Loan Covenant Compliance Monitor

Test financial covenant compliance for up to 6 covenants simultaneously. Input actual financial figures, compare against covenant thresholds, calculate headroom, and model forward compliance under EBITDA stress and rate shock scenarios.

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Scope & reliance — Covenant definitions vary by credit agreement. Always verify thresholds, definitions, and cure mechanisms against your facility agreement's defined terms and qualified legal and financial advisers before relying on any output for compliance or enforcement decisions. Deterministic · no inference · zero PII · CC BY 4.0.

Covenant Definitions (up to 6)

Stress Test Parameters

EBITDA Haircuts to Apply

−10%, −20%, −30% applied to EBITDA-based covenants (Net Leverage, DSCR, ICR)

Rate Shocks to Apply

+100bps and +200bps applied to DSCR and ICR (higher debt service / interest expense)

Covenant Dashboard

Covenant	Type	Threshold	Actual	Headroom	Status

Headroom Visualisation

Stress Test Results

Forward Projection — -5% pa EBITDA Deterioration

Projection applies -5% pa to EBITDA-driven ratios only. Non-EBITDA covenants show current actual across all years. Linear approximation only.

Important Disclaimer

Covenant definitions vary by credit agreement. Always verify against your facility agreement's defined terms. Key variables such as EBITDA add-backs, net debt composition, restricted and unrestricted subsidiaries, and cure mechanics are credit-agreement-specific and may differ materially from the simplified models used here. This tool is for indicative modelling only and does not constitute legal, financial, or compliance advice.