I am an owner / co-owner of 3 (US-based) LLCs, and I can tell you from experience that banks will require a personal guarantee, joint and several, of all principal owners, for any non-collateralized loan or line of credit.

The same is generally true of most lessors, as well. Some (most?) tech incubators / hubs / innovation centers are the exception, and I am sure also some smaller 'mom-and-pop' lessors. But once we moved out of those, we had lessors wanting us personally guaranteeing our 3-5 year leases, although we were able to negotiate those terms away with some of them.

We were able to secure net-30 terms from suppliers, however, that did not require a personal guarantee.

Even if you managed to somehow navigate these waters without anyone requiring a personal guarantee, zero is generally not the bottom limit. If you are a founder, or an owner, you most likely have brought assets and/or money into the venture.