Contract / COJ review & risk scoring

Find hidden clauses before they trigger costly legal trouble

Since 2022 — Hundreds of MCA Contracts Disarmed

Retailers, SaaS founders, logistics operators, and medical practices have avoided COJ disasters and predatory clauses after our reviews.

35 + Years in MCA Contract Law

Seasoned attorneys and finance pros dissect factor rates, personal guarantees, and venue clauses every day.

Direct Lines to Leading MCA Counsel

Insight from lender side firms helps us predict enforcement tactics—most reviews finish in under two weeks.

What Is Contract / COJ Review & Risk Scoring?

Forensic analysis of MCA agreements to grade legal exposure

Our team line‑items every clause—confessions of judgment (COJ), cross‑default triggers, sweeping ACH rights—and assigns a risk score from 1 (low) to 5 (severe). Armed with the score, owners can renegotiate, refinance, or prep defenses before problems hit.

Book a free contract scan today—get your risk score in 24 hours.

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Why Ignoring Contract Risk Backfires

Many owners sign MCAs quickly, missing language that threatens personal assets and future credit.

What to Watch Out For

Personal Guarantee Time Bombs

A late draft can turn business debt into personal liability.

Venue & Jurisdiction Traps

Far flung courts raise defense costs.

Evergreen Fee Clauses

Balance grows even after the factor fee is “paid.”

Conflicting UCC Filings

Multiple liens block refinancing and equipment loans.

How We De Risk Your Agreements

Clause by Clause Audit

We highlight COJs, PGs, cross defaults, and usurious rates.

Assign a 1–5 Risk Score

Color coded report shows severity and priority fixes.

Recommend Renegotiation Points

We draft amendment language funders are most likely to accept.

Provide Legal Backup

Attorneys stand ready to file motions if lenders refuse fair changes.

4 Step Review & Risk Score Process

Here’s how we convert your MCA payments and put you back in control.

01.

Free Contract Assessment

Upload agreements; we scan for red‑flag clauses within 24 hours.

01.

Detailed Risk Report

You receive a scorecard plus plain‑English explanations.

02.
03.

Action Plan & Outreach

We prepare amendment requests or defensive filings as needed.

01.

Ongoing Monitoring

Updated scores track improvements and alert you to new risks.

04.
Stay a step ahead of lender tactics

Benefits of Contract & COJ Review

A thorough legal review flags buried confession of judgment clauses and other traps that let an MCA lender win a judgment and freeze accounts without warning.

Ready to See Your Contract’s Real Risk Score?

Free Consultation

Book A Call

Frequently Asked Questions

Contract / COJ Review FAQs

Five most‑searched questions owners Google before signing an MCA

A COJ is a pre‑signed statement allowing the lender to enter judgment without trial if default occurs.