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.
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.
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.
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?
Book A Call
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.
Often yes—funders will amend or waive COJs when shown they threaten repayment reliability.
Standard audits and scoring reports are delivered in 5–7 business days.
No—the review is private. Acting on the findings can actually protect credit by preventing defaults.
Yes. Lender‑favored states (NY, NJ, UT) process judgments faster; moving venue to your home state evens the playing field.