Financial Agreements Read before you sign.
Financial agreements carry risks that compound over time. BeforeJD™ checks interest rate structures for hidden costs, personal guarantee provisions that could expose personal assets, cross-collateralization clauses, and default triggers that could accelerate repayment without warning. We verify compliance with Truth in Lending requirements and flag confession-of-judgment provisions that waive your right to defend against collection.
Informational only. Not legal advice.
Chapter
Documents this read covers
BeforeJD highlights uncapped personal guarantees, cross-collateralization risks, and confession-of-judgment clauses.
Investment agreements
Promissory notes
Securities purchase agreements
Credit facility agreements
Factoring agreements
Chapter
What a read has found
Three findings from real reads of this kind of contract.
Personal guarantee with no cap on a business line of credit
Cross-collateralization linking home equity to business loan default
Confession-of-judgment clause waiving right to legal defense
Chapter
Questions people ask
- What Financial Agreements documents can BeforeJD review?
- The read covers Investment agreements, Promissory notes, Securities purchase agreements, Credit facility agreements, Factoring agreements, uploaded as a PDF, a Word file, or a photo. BeforeJD highlights uncapped personal guarantees, cross-collateralization risks, and confession-of-judgment clauses.
- What does BeforeJD look for in Financial Agreements documents?
- Financial Agreements: a review that works clause by clause, comparing the document against common trouble spots for this kind of agreement, flagging anything unusual, and telling you what to ask for before you sign.
- What does it cost to have Financial Agreements documents read, and how long does it take?
- $4.99 for one read, $19.99 for five, or $34.99 for ten, with no subscription. Under five minutes for most agreements. You receive the report by email with the marked-up copy attached.
Chapter
Guides on this kind of contract
Written by the BeforeJD team, in plain English.
Should You Sign a Personal Guarantee? What It Means and When to Push Back
A personal guarantee can follow you home if the business cannot pay. Learn what it exposes, the exact language to watch for, and how to push back before you sign.What Does "Jointly and Severally" Mean in a Contract?
Jointly and severally liable means a creditor can collect the entire debt from any one signer, not only their share. Here is what it means and how to push back.What Is a Liquidated Damages Clause, and Is It Fair?
A liquidated damages clause fixes what you owe for a breach in advance. Learn the test courts use, how to tell a fair estimate from a penalty, and what to push back on.
Whatever you are about to sign, you do not have to read it alone.
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A starting point for your conversation, not legal advice.