“Should I Default?” Decision Checklist
Review MCA default risks before missing your next draft.
A step-by-step tool for reviewing cash strain, contract exposure, and available options
The checklist helps business owners review what may happen before they stop or miss MCA payments. It covers cash-flow pressure, draft size, contract clauses, personal guarantees, UCC filings, funder history, and possible alternatives.
Download the checklist or book a short review call before making a decision that may affect your business.
Why Guessing Wrong Backfires
Stopping drafts without a plan can reduce leverage, increase legal risk, and create faster collection pressure.
What to Watch Out For
Default Judgments
If a lawsuit is ignored, a court may enter judgment without your side being heard.
Bank Account Restraints
After judgment or enforcement action, business accounts or receivables may be affected.
Added Fees and Costs
Returned payments, default fees, legal costs, and collection charges may increase the amount in dispute.
Personal Guarantee Exposure
Owners may face personal risk if the MCA includes an enforceable guarantee.
How Our Checklist Guides Your Decision
4 Step Decision Support Process
Here’s how business owners can use the checklist before deciding whether to miss an MCA payment
01.
Free Checklist Download
Download the worksheet with scoring prompts, contract flags, and cash-flow questions.
01.
Data Entry & Scoring
Add revenue, draft amounts, payment dates, clauses, funder notices, and cash obligations.
02.
03.
15-Minute Review
A short review can help validate the score and identify immediate next steps.
01.
Action Plan Issued
Next steps may include restructuring, settlement review, refinancing, cost triage, or legal review.
04.
Benefits of Using the Checklist
A structured checklist helps owners compare cash-flow pressure, contract risk, and available alternatives before missing a draft.
Ready to Score Your Default Risk?
Book A Call
“Should I Default?” Decision FAQs
Five questions business owners often ask before deciding whether to miss an MCA payment.
