Quote Originally Posted by FundingCzar View Post
COJ's are becoming pretty standard in this c/d space, typically its not an issue unless the client plans on defaulting.

That being said there are probably 10+ funders I know that do not ever require a COJ, at least for now. COJ's are becoming much more common over the past couple years.
Very true. A lot of High-risk (C/D paper) Funders require a COJ for funding. You have funders like Everest who require them under $25k and many are copying the same rule. If your file isn't very high-riskish, you probably have it in the wrong place.