these days even sdb bhd also is not really limied anymore. which ever director sign the bank guarantor letter will have to base all the risk as well. so there is really not much difference.

bank loan is not the main worry, you should be concern more on the bank cheque. make sure all 3 signatory is needed, or at least yours is there to make sure the partners does not simply issue any amount which will really kill u

as for ah long, they don't operate legally, so do you think makes any differences?