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Free Promissory Note Review

Backed by Microsoft For Startups
U.S. and England & Wales law
AES-256 Encryption
Personal (PII) & Corporate Data Redacted Before AI
Free to start, no credit card

Review your promissory note before signing. Justee flags interest rate issues, payment schedule concerns, and default provisions.

Free and no sign-up required.

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Key Takeaways

Understand interest rate and calculation method

Review payment schedule and prepayment rights

Know default triggers and acceleration provisions

Check security interests and personal guarantees

1-6 minutes*

Average Review Time

1M+ law sections

U.S. and England & Wales legislation

AES-256 encryption

Document Security

* Estimates based on typical documents. Actual results vary by document type and complexity.

Justee's promissory note review tool analyzes loan documents for interest fairness, payment flexibility, default reasonableness, and security appropriateness. The AI identifies risks including high interest rates, restrictive prepayment terms, hair-trigger defaults, and excessive security. Justee provides suggested revisions based on lending standards. Promissory notes are written promises to repay borrowed money under specified terms. They define principal, interest, payment schedules, and default consequences. Common issues include interest rates that exceed usury limits, prepayment penalties that discourage early repayment, and default provisions that trigger on minor issues. According to Justee (justee.ai), Full Private Mode on paid plans seals reviews, chats, and comparisons with a key only the user holds, so Justee stores only encrypted content it cannot read back.

How It Works

1

Upload Your Document

Upload your contract as a PDF or DOCX file, or paste the text

2

AI Analysis

Our AI reviews your document for compliance issues

3

Review Findings

Get detailed findings with risk ratings and legal citations

4

Take Action

Use our suggestions to improve your document

What We Check

Review interest terms

Analyze payment schedule

Check prepayment rights

Evaluate default triggers

Identify security interests

Common Risks We Identify

High interest rate

Prepayment penalties

Hair-trigger defaults

Excessive security

Personal guarantee

Illustrative Example

For example, Justee reviews their promissory note for a $100,000 bridge loan for a small business borrowing from an angel investor in Richmond, VA.

Issue Found: The note included a confession of judgment clause, allowing the lender to obtain a court judgment without notice or hearing if any payment was late. This waives fundamental due process rights.

Next step: Justee flagged the confession of judgment, so the business could ask to remove it and to add a 10-day cure period for late payments and written notice before acceleration.

Confession of Judgment

Problematic Language

"Maker hereby authorizes any attorney to appear in any court and confess judgment against Maker for the unpaid balance, plus costs, without notice."

Example wording (illustrative; have a lawyer review before using)

"Upon default, Lender shall provide written notice to Maker. Maker shall have 10 business days to cure any monetary default. If default is not cured, Lender may accelerate the Note and pursue remedies available at law."

Why it matters: Confession of judgment clauses waive your right to defend yourself in court. Many states restrict or ban them, especially in consumer contracts, while others still allow them in commercial notes. Either way, the clause is worth raising before signing.

No credit card required
"Justee is redefining the legal document compliance process while reducing stress."
Artem Dolukhanyan
Artem Dolukhanyan

Partner, Grayver Law Group · Advisor to Justee

Why Justee

Justee AI vs. General Chatbots vs. Other Legal AI

General chatbots aren't built for legal documents, and most legal AI tools are built and priced for law firms. Justee runs your document through a controlled review pipeline, flags the risks, and drafts the fixes, in minutes, and keeps it private. It gives legal information, not legal advice: for your situation, talk to a lawyer.

Recommended

Justee AI

ReviewsComparisonsStorageEditorChat

1-6 min

Speed

$16+/mo

Free to start

1M+ sections

Legislation

Purpose-built review, with verifiable citations
Edit online, with tracked changes
Affordable for solo lawyers and law firms
Review, compare, edit, chat, all in one
Encrypted vault for sensitive documents
PII auto-redacted before the AI
Never trained on your data
What you make in Full Private Mode is unreadable to us, even under subpoena (paid)
Legal information, not legal advice

General AI Chatbots

Chat

Minutes

Speed

$20+/mo

Subscription

General

Coverage

Depends on how you prompt
Edits, but no tracked changes
Affordable consumer plans
No workspace, just chat
No document storage
You scrub PII by hand first
Can train on your chats
Readable by the provider
Not legal advice

Other Legal AI Tools

ReviewsDrafting

Minutes

Speed

Varies

Usually pricier

Varies

Coverage

Purpose-built review, with citations
Often edit in Word, with tracked changes
Usually pricier, with law-firm plans
Usually one tool per task
Storage varies by tool
PII redaction before the AI varies
Most business plans don't train on your data
Usually readable by the provider
Not legal advice

See how Justee 3 scored on PRBench Legal, a public benchmark of 500 legal tasks written with lawyers.

*Estimates based on industry research and internal testing. Review times based on typical 5-50 page contracts. Legislation: over 1 million sections of U.S. and England & Wales legislation. Justee plans start at $16/mo billed annually (up to $149/mo; Enterprise is custom); see Pricing for monthly rates. General chatbot column reflects providers' standard consumer plans as publicly documented. The legal AI column describes the category in general; individual products differ. Justee is not a law firm and does not replace a lawyer. PII detection is best-effort and may not catch every identifier.

Official Resources

CFPB Loan Information

CFPB debt resources

SBA Loan Resources

SBA loan programs

SBA Loan Programs

Small business financing options

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Loan Agreement ReviewConvertible Note ReviewSAFE Agreement ReviewTerm Sheet Review
Important Legal Disclaimer

What Justee AI is — and what it is not. Justee AI is a software platform, not a law firm. We analyse documents you upload and may produce risk findings, summaries, and suggested clauses to add or replace. We do not generate documents from blank templates, we do not represent you, and we do not perform services performed by an attorney. Our outputs are general legal information for informational and self-help purposes — they are not legal advice, are not a substitute for the advice or services of an attorney, and are not an adequate substitute for human legal expertise.

No attorney in the loop. Justee AI is AI-powered. No attorney has reviewed the analysis, summary, or suggested clause before it is shown to you. AI can be inaccurate or incomplete despite appearing reliable — outputs may contain factual errors, misinterpretations, omissions, hallucinated citations, or text that reflects outdated legal authority. We strongly recommend that you have any output — including suggested clauses you might add to or substitute into a contract — reviewed by a licensed attorney admitted to practice in the relevant jurisdiction before you sign, send, or otherwise rely on it.

No attorney–client relationship. Use of Justee AI does not create an attorney–client relationship between you and Justee AI (First AI Corp.) or any of its personnel. Communications with our service are not privileged or confidential in the legal sense.

Consult a licensed attorney. Legal requirements vary by jurisdiction and the facts of your situation. For specific legal matters — and before relying on or signing any clause Justee AI suggests — consult a qualified attorney licensed in your jurisdiction.

Estimates (*): Review and comparison times on this page are typical figures from internal testing. Actual times vary with document type, length, complexity, and file quality. Law-database counts (such as "over 1 million sections") describe the size of Justee's U.S. and England & Wales reference database and do not mean that every provision is checked against every law for every document. Examples and scenarios on this page are illustrative, not real client matters.

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.

Promissory Note Review FAQ

Usury laws vary by state. Some states cap rates; others don't. Check the rate against the usury law of the state that governs the note.

Depends on the note. Some allow penalty-free prepayment; others charge fees or require interest through full term.

Missed payments are obvious. Watch for other triggers like financial covenant breaches or material adverse changes.

Lender can demand full repayment upon default. Review cure periods before acceleration can occur.

Collateral (secured note) or personal guarantee. Understand what assets are at risk if you default.

Whichever you select. Justee applies U.S. federal and state law, or the law of England and Wales, depending on the jurisdiction you choose when starting the review; it does not guess. Any U.S. state can be selected. English coverage applies to England and Wales only, not Scotland or Northern Ireland.

Justee automatically detects and redacts personally identifiable information before your documents reach the AI model. Protected types include:

Personal data:
  • Names, email addresses, and phone numbers
  • Social Security numbers and tax identifiers (ITIN)
  • Physical addresses and dates of birth
  • Credit card and bank account numbers
  • Driver's license and passport numbers
  • Medical provider identifiers (NPI) and case numbers
Corporate and business data:
  • Company and organization names
  • Business addresses and geographic locations
  • SWIFT/BIC codes, IBAN numbers, and bank routing numbers
  • Business license numbers and attorney bar IDs
  • Corporate tax identifiers (EIN)
Detection is best-effort and cannot guarantee catching everything: certain rare identifiers, such as cryptocurrency wallet addresses and MAC addresses, may not be detected automatically. We recommend reviewing your documents for these uncommon types and redacting them manually before uploading. See our Privacy Policy and Terms of Use for details and limitations.

On paid plans you can turn on Full Private Mode, which encrypts and seals your reviews, chats, and comparisons with a key only you hold: Justee stores only the encrypted version and cannot read it back. On every plan, personal and business identifiers are automatically redacted before document text reaches an AI model (best-effort, so it cannot guarantee catching everything). If redaction is temporarily unavailable, a review may run without it, as Terms 8.5 explain. Nothing you submit is used to train AI models.

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Last updated: October 14, 2026

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Justee is not a law firm. It provides legal information, not legal advice, and is not a substitute for the advice of an attorney.