Contract / COJ Review & Risk Scoring

Find high-risk MCA clauses before they create costly legal or repayment problems.

Since 2022 - Hundreds of MCA Contracts Reviewed

We help business owners review MCA agreements for confession of judgment clauses, personal guarantees, default terms, and UCC risks.

35+ Years in MCA Contract Review

Experienced advisers and legal professionals review factor costs, repayment terms, guarantee language, venue clauses, and enforcement triggers

Direct Lines to Leading MCA Counsel

We use contract review and funder communication experience to identify terms that may affect negotiation, defense, or workout options.

Detailed review of MCA agreements to identify legal and repayment exposure

Contract and COJ review means examining an MCA agreement for clauses that may affect repayment rights, owner liability, judgment risk, venue, and collateral claims. Risk scoring organizes those issues by severity so business owners can understand which terms need review, negotiation, documentation, or legal response first.

Book a free contract review today and learn which MCA clauses may create the greatest risk.

Hidden COJ Clauses Can Accelerate Judgments

A confession of judgment may allow a creditor to seek judgment after default, often with limited notice depending on state law.

Automatic Default Triggers Add Pressure

Some MCA agreements treat missed documents, tax issues, bank changes, or payment disruptions as default events

Risk Scoring Guides Action Plans

A clear scorecard helps identify which clauses should be reviewed, challenged, amended, or monitored first.

Why Ignoring Contract Risk Backfires

Many owners sign MCA agreements quickly and only learn the effect of key clauses after payment trouble begins.

What to Watch Out For

Personal Guarantee Risk

A personal guarantee may expose owners if the business defaults and the clause is enforceable.

Venue & Jurisdiction Terms

Out-of-state venue or jurisdiction language can affect defense costs, deadlines, and legal strategy.

Default Fee Clauses

Late payments, returned drafts, or document failures may trigger extra charges or accelerated balances.

Conflicting UCC Filings

Multiple filings can complicate refinancing, collateral review, equipment loans, or future credit requests.

How We De Risk Your Agreements

Clause by Clause Audit

We review COJs, personal guarantees, default terms, ACH rights, venue clauses, UCC language, and balance provisions

Assign a Practical Risk Score

The report ranks each issue by severity, urgency, and likely effect on repayment or enforcement risk.

Recommend Renegotiation Points

We identify amendment requests, documentation fixes, or workout terms that may be reasonable to raise with funders.

Provide Legal Backup

Where needed, counsel can review claims, deadlines, filings, or enforcement issues tied to the agreement.

4 Step Review & Risk Score Process

Here’s how we review MCA contracts and turn risk findings into a clear action plan

01.

Free Contract Assessment

Upload agreements, addenda, payment records, and funder notices for an initial review.

01.

Detailed Risk Report

You receive a clause summary, risk scorecard, and plain-English explanation of the main issues.

02.

03.

Action Plan & Outreach

We prepare amendment requests, negotiation points, or legal review steps where needed.

01.

Ongoing Monitoring

Updated reviews help track contract changes, new funder terms, and added risk after amendments.

04.

Benefits of Contract & COJ Review

A careful contract review can identify COJ clauses, personal guarantees, default triggers, and UCC terms before they create larger problems.

Early Problem Detection

Find high-risk clauses before missed drafts, notices, or funder action limit your options.

Clearer Negotiation Position

A written risk report helps support focused requests for amendment, release, or repayment changes.

Lower Legal Uncertainty

Early review may reduce confusion around deadlines, enforcement rights, and available responses.

Ready to See Your Contract’s Real Risk Score?

Book A Call

Contract / COJ Review FAQs

Five questions business owners often ask before signing or challenging an MCA agreement

What is a Confession of Judgment (COJ)?

A COJ is a contract device that may let a creditor seek judgment after default, often without the usual contested hearing first.

Can COJ clauses be removed after signing?

How long does a review take?

Will a risk score hurt my credit?

Does venue really matter in a contract?

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