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editorial: review + improve padel-hall-financing-germany-en (C6)

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- Add bridge sentence before Personal Guarantee section — this key topic
  was abrupt without introduction; now connects cleanly from the debt
  structure discussion above

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
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2026-02-28 21:34:06 +01:00
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@@ -121,6 +121,8 @@ Every state has a development bank: Investitionsbank Schleswig-Holstein, Thürin
## Personal Guarantee Reality: Don't Avoid This Conversation
Once the debt structure is in place, there is one more item that belongs in every financing conversation — and that is too often skipped until the term sheet arrives.
German banks financing a padel hall through a standalone project company will almost always require **persönliche Bürgschaft** (personal guarantee) from the founders. This means your personal assets — home, savings, existing investments — are at risk if the business fails.
Three ways to limit this exposure: