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Covenant.

A condition attached to funding — a ratio to maintain, a minimum balance, a reporting deadline. Breaking one can make the whole facility repayable.

What it means

A condition attached to funding — a ratio to maintain, a minimum balance, a reporting deadline. Breaking one can make the whole facility repayable.

What goes wrong

Covenants are tested on dates nobody has in a calendar. The breach is usually noticed by the lender first, which is the worst possible order.

More in Money

Every term here is one the protocol actually uses, defined for somebody who was never taught it — with the part that usually goes wrong. All terms →