skills/legal/guaranty-unlimited/SKILL.md
Drafts a U.S. Unlimited Guaranty for commercial lending transactions. Triggers when user needs an uncapped personal or entity guaranty, credit enhancement, or unlimited recourse instrument for a loan closing. Produces an absolute guaranty of payment (not collection) with comprehensive waivers, subrogation subordination, and continuing-guaranty coverage.
npx skillsauth add casemark/skills guaranty-unlimitedInstall this skill globally with one command. Works with Claude Code, Cursor, and Windsurf.
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Generates a complete Unlimited Guaranty giving the Lender direct, uncapped recourse against a Guarantor for all present and future Borrower obligations.
Collect before drafting:
| # | Section | Key Content | |---|---------|-------------| | 1 | Definitions | Obligations (all present/future amounts), Credit Documents, parties | | 2 | Guaranty of Payment | Absolute, unconditional; payment not collection — Lender may proceed directly against Guarantor | | 3 | Unlimited Liability | No cap; covers principal, interest, fees, costs, expenses, indemnities | | 4 | Waivers | Full checklist below | | 5 | Subrogation & Reimbursement | Subordinated/waived until indefeasible payment in full | | 6 | Continuing Guaranty | Survives modifications, renewals, extensions; covers post-execution obligations | | 7 | Financial Covenants (if required) | Annual financials, MAC notice, other reporting | | 8 | Governing Law & Jurisdiction | Match underlying loan documents | | 9 | Jury Trial Waiver | Standard commercial waiver | | 10 | Signature Block | Individual: name + date; Entity: officer title + authority recital |
Guarantor must waive all of the following:
Until all Obligations are indefeasibly paid in full and all Lender commitments are terminated, Guarantor waives and subordinates: (i) any subrogation right to Lender's claims against Borrower; (ii) any reimbursement or indemnity right from Borrower; and (iii) any right to participate in Lender-held security.
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