ABC Stock Supply is owned by 12 investors, with John Doe as President, who directs the business and signs on their loans.

XYZ Stock Supply is owned 75% by John Doe who is a partner. He also directs the business and signs their loans.

Our question is that even though these are 2 separate entities with separate tax id's, would we still need to consider the common factor of John Doe and aggregate these loans for approval amounts?

Does Mr. Doe guaranty both loans?

He signs for the company, but as far as personal guarantees, only a few loans. Would the personal guarantee be the key to tying him to the loans?

Yes, the personal guaranty ties those otherwise separate loans together.