[ridextreme]

Thank you for your opinion. I agree in some cases and some cases I disagree. Some merchants who have never taken a cash advance before are weary to have a personal guarantee and has nothing to do with planning on defaulting.

How would you even know that he's not planning on defaulting? Just because he didn't tell you?

If it's his first time taking out an advance just set him straight right off the bat and tell him "if I tell the underwriter you don't wanna sign a PG, he's gonna think you're not planning on paying back the money and it will kill the deal. You have 550 credit, there's no way around not signing personally for the money" instead of saying "yes, sir, I'll find a lender that doesn't require you to sign a PG".