Understand every term before you borrow or lend
Review interest rates, payment schedules, prepayment penalties, default triggers, acceleration clauses, and collateral terms on any promissory note or loan agreement — before you sign anything that could affect your credit or assets.
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What It Analyzes
Every key area reviewed, flagged, and explained in plain English.
True Interest Cost
Calculates the full APR and total interest over the life of the loan — not just the monthly payment that lenders emphasize.
Prepayment Penalties
Identifies whether paying off the loan early triggers a penalty and quantifies the cost so you can factor it into your decision.
Default Triggers
Lists every event that constitutes a default — including technical defaults like missing an insurance payment or breaching a covenant.
Acceleration Clause
Explains whether the full balance becomes immediately due upon default — the clause that can turn one missed payment into an immediate crisis.
Personal Guarantee
Identifies whether you're personally liable for the debt beyond any pledged collateral — a critical risk for business borrowers.
Balloon Payments
Flags large lump-sum payments due at the end of the loan term that borrowers are sometimes surprised by at maturity.
How It Works
Three steps to instant insights
Upload or Paste
Drop a PDF or paste your document text directly into the tool.
AI Analysis
Our AI processes your document and extracts key information, risks, and recommendations.
Get Your Report
Receive a structured report with plain-English explanations and actionable next steps.
What You Get
Every analysis includes a comprehensive, structured report.
Frequently Asked Questions
What is an acceleration clause and should I be worried about it?
An acceleration clause allows the lender to demand the entire outstanding loan balance immediately if you default. A single missed payment can trigger it. Our analyzer identifies exactly what triggers acceleration in your specific loan so you know the stakes.
Can I pay off my loan early?
Many loans charge a prepayment penalty to compensate the lender for lost interest. Our analysis tells you the exact penalty amount and under what conditions it applies — so you can calculate whether early payoff is worth it.
What's the difference between a recourse and non-recourse loan?
In a recourse loan, the lender can go after your personal assets if the collateral doesn't cover the debt. In a non-recourse loan, they're limited to the collateral only. Our analyzer identifies which type you're dealing with.
Does this work for personal loans as well as business loans?
Yes. We analyze both personal and business promissory notes, including private loans between individuals, business term loans, SBA loans, seller financing notes, and real estate mortgage notes.