“Should I Default?” Decision Checklist
Weigh the real costs before skipping your next MCA draft
A step by step tool that scores financial strain, legal exposure, and negotiation leverage
Defaulting on a merchant cash advance can trigger lawsuits, account freezes, and personal asset grabs. This checklist walks owners through cash‑flow metrics, contract clauses (COJ, PG, cross‑default), and lender history to decide whether to seek relief, restructure, or cease payments. Completing the checklist reduces blind‑spot errors by up to 40 %.
Download the checklist free, or book a 15‑minute review call now.
Why Guessing Wrong Backfires
Stopping drafts “to see what happens” often hands the lender swift legal victory.
What to Watch Out For
Instant Default Judgments
COJ clauses let lenders win without trial.
Bank Account Freezes
ACH blocks halt all incoming deposits.
Snowballing Fees
Penalties, attorney costs, and interest stack fast.
Personal Guarantee Exposure
Home equity and savings become targets.
How Our Checklist Guides Your Decision
4 Step Decision Support Process
Here’s how we convert your MCA payments and put you back in control.
01.
Free Checklist Download
Instant PDF with scoring grid and red‑flag glossary.
01.
Data Entry & Scoring
Input revenue, draft size, contract clauses, and lender behavior.
02.
03.
15 Minute Expert Review
Optional call to validate scores and map immediate relief options.
01.
Action Plan Issued
Restructure, settle, refinance, or cost‑cut—matched to your score.
04.
Benefits of Using the Checklist
A structured checklist slashes process errors—studies show written step lists cut mistakes by roughly 30–40 % while keeping work consistent.
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Should I Default?” Decision FAQs
Five most‑Googled questions owners ask before deciding to default
