Review your loan agreement before signing. Fast, expert identification of covenant issues, collateral requirements, and repayment concerns.
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Understand all financial covenants and reporting requirements
Review collateral and security interests
Know default triggers and cure periods
Verify prepayment rights and refinancing flexibility
Average Review Time
Compliance Checks
Document Security
Justee's loan agreement review tool analyzes business lending documents for covenant reasonableness, collateral appropriateness, default fairness, and flexibility adequacy. The AI identifies risks including restrictive covenants, excessive collateral requirements, harsh default terms, and prepayment limitations. Justee provides suggested revisions based on commercial lending standards. Loan agreements are comprehensive contracts governing borrowed funds. They're more detailed than promissory notes, including representations, covenants, and extensive default provisions. Common issues include financial covenants that don't match business cycles, blanket liens on all assets, and cross-default provisions that create cascading failures.
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Free Loan Agreement Comparison • No Sign-up Required • Results in Minutes
Review financial covenants
Analyze collateral requirements
Check default provisions
Evaluate prepayment terms
Identify reporting duties
Restrictive covenants
Blanket liens
Cross-defaults
Prepayment penalties
Burdensome reporting
Review financial covenants
Analyze collateral requirements
Check default provisions
Evaluate prepayment terms
Identify reporting duties
Powered by Justee AI • Free Loan Agreement Analysis
Justee recently analyzed their loan agreement with a regional bank for a manufacturing company securing a $2M equipment loan in Columbus, OH.
Issue Found: The financial covenants required a debt service coverage ratio of 1.5x calculated monthly, but the business was seasonal with winter months consistently below target. This virtually guaranteed technical default.
Justee Recommendation: We negotiated quarterly covenant testing using trailing twelve-month figures instead of monthly snapshots, added a seasonal adjustment provision, and included a cure period requiring additional equity contribution rather than immediate default.
"Borrower shall maintain a Debt Service Coverage Ratio of at least 1.50:1.00, tested monthly based on that month's performance."
"Borrower shall maintain a Debt Service Coverage Ratio of at least 1.25:1.00, tested quarterly based on trailing twelve-month performance. If Borrower fails to meet the ratio, Borrower may cure by contributing additional equity within 30 days."
Why it matters: Monthly covenant testing on point-in-time metrics can create technical defaults for healthy but seasonal businesses. Trailing period calculations and cure rights provide reasonable flexibility.
Partner, Corporate Transactions at Grayver Law Group
| Feature | Justee AI Review | Manual Review |
|---|---|---|
| Review Time | 2-5 minutes | 2-4 hours |
| Cost | Free trial available | $150-500+ |
| Legal Citations | Automatic | Varies by reviewer |
| Clause Suggestions | Included | Extra fee |
| Availability | 24/7 instant | Business hours |
Feature
Justee AI
Manual Review
Review Speed
2-5 minutes
2-4 hours
Cost per Document
Free trial
$150-500+
Legal Citations
Clause Suggestions
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Justee AI Loan Agreement Analysis
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Not Legal Advice: The information and analysis provided by Justee AI is for general informational purposes only and does not constitute legal advice. While we strive to provide accurate and helpful information, our AI-powered service is not a substitute for professional legal counsel.
No Attorney-Client Relationship: Use of Justee AI does not create an attorney-client relationship. Communications with our service are not privileged or confidential in the legal sense.
Consult a Professional: For specific legal matters, we strongly recommend consulting with a qualified attorney licensed in your jurisdiction. Legal requirements vary by location and circumstances, and only a licensed attorney can provide advice tailored to your specific situation.
Performance Estimates (*): All statistics, metrics, and numerical claims on this page — including review times, cost comparisons, accuracy percentages, and database size — are estimates based on internal testing, industry research, and typical use cases. Actual results vary based on document type, complexity, length, jurisdiction, and other factors. Cost comparisons reference publicly available average attorney rates and are not guaranteed savings. "1M+ laws and regulations" refers to the breadth of Justee's reference database and does not imply that every provision is checked against every law for every document.
By using our service, you acknowledge that you have read and agree to our Terms of Use and understand the limitations of AI-powered legal analysis. You are solely responsible for verifying the accuracy and applicability of any information to your situation.
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Last updated: May 13, 2026
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