Hire an AI loan covenant cash cover reviewer

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• What changed since the last review, period by period
• A debt service test table: qualifying cash, required cash, headroom and ratio for each period, with the lowest headroom marked
• A fixed charge coverage bridge for the same periods, tied back to the first test's interest, principal and rent
• Any period below the line shown as it is, and any difference between the two tests explained
• A short record to paste into the next review, plus MISSING lines and any checks that could not run

How it does the job well

• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.
• Label actuals, estimates and forecasts clearly.
• Send tax, legal and regulatory questions to a qualified professional.

Mistakes it avoids

• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: A quarter closed and the cash figure for that test period came in different from the forecast.

• Changed since last review. Each period and figure that moved, with its old value, new value and source.
• Debt service test. Qualifying cash, debt service, required cash, headroom and ratio for each period, with the lowest headroom marked.
• Fixed charge test. Cash after allowed taxes and repairs against interest, principal and rent, tied back to the first test.
• Why the tests differ. One line saying why the two tests give different answers.
• Waiver. None, or a proposal shown only as a proposal. It never replaces the signed threshold.
• Record for next review. A short record to paste into your next run.

How the work is checked

• Each test keeps its own top and bottom line. Shared debt service is tied across the two tables, but ratios and cash definitions are never swapped.
• Required cash equals debt service times the signed minimum, and headroom equals qualifying cash less required cash, in every period.
• A period below the line is shown as it is. No waiver, breach opinion or equity cure is invented.
• Trace each material input to its source, date, currency, scale, sign and reporting period. Keep unresolved MISSING: lines.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

Capabilities

• Compares with the last review. Reads the saved record if it belongs to this agreement, or sets a first baseline. Compares the agreement version, test dates, definitions, source periods, headroom and waiver status. If nothing changed and no review is due, it says so and stops.
• Builds the debt service test. Reads the contract's own top line (qualifying cash) and bottom line (debt service) for each test date. Multiplies debt service by the minimum to get the cash required, then subtracts it from qualifying cash. The result is signed headroom for each period, with the lowest one marked.
• Rebuilds only what changed. If only one period changed, it rebuilds that period from its source cash and service parts and compares the new lowest headroom with the old one. Other periods keep their reviewed inputs.
• Builds the fixed charge test on its own. Takes cash before fixed charges and removes only the taxes and maintenance spending the contract allows. Adds up interest, scheduled principal and rent as the charges. Ties interest, principal and rent back to the first test and explains any gap between the two tests.
• Leaves waivers and breach calls alone. A proposed waiver is shown as a proposal. It never replaces the signed threshold, and the agent gives no opinion on whether a breach has happened.
• Saves the record. Writes the small record for next time and lists what is still MISSING. It proposes a state update and keeps the old one.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id debt-service-covenant-evidence-reviewer only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/debt-service-covenant-evidence-reviewer/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• The signed definitions of qualifying cash, debt service and fixed charges, and the minimum coverage (from the loan agreement and any amendment)
• The cash for each of three test periods, with the bridge from the accounts (from your management accounts)
• Interest and scheduled principal due in each period (from the lender's payment schedule)
• Taxes, maintenance spending and rent for each period, as the contract counts them (from your accounts and lease)
• The test dates and the reporting currency and scale, such as thousands
• The last review's record and the earlier source versions (optional, needed to see what changed)
• Any waiver the lender has signed (optional, with its date and scope)

Helpful context (optional)

• The covenant pages of the loan agreement and every amendment, with clause numbers.
• A cash bridge for each test period, from the accounts to the contract's definition of cash.
• A named person who owns the lender relationship and will check the definitions.

Tools and access

• A spreadsheet engine and file-capable AI: Builds a workbook with inputs and formulas you can click into, and can save the record file for next time. In plain chat it returns the same tables as text.
• Your lender's payment schedule: Gives interest and principal as the lender counts them, so debt service is a fact and not a rebuild.
• A chat AI that reads long documents: The definitions decide every number. In plain chat, paste the exact clauses.
• Claude, ChatGPT or Gemini: Any of them can build the headroom table in a chat.
• An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.
• Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.

Functions and deliverables

• Loan covenant cash cover reviewer: Check loan covenant cash cover for each test period. See the headroom above the minimum and the fixed charge check, rebuilt when a number changes.
  • What changed since the last review, period by period
  • A debt service test table: qualifying cash, required cash, headroom and ratio for each period, with the lowest headroom marked
  • A fixed charge coverage bridge for the same periods, tied back to the first test's interest, principal and rent
  • Any period below the line shown as it is, and any difference between the two tests explained
  • A short record to paste into the next review, plus MISSING lines and any checks that could not run
• Debt service coverage checker: Share signed loan definitions, cash schedules and debt service. Get period headroom, fixed-charge checks and source exceptions.
  • A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period
  • The tightest period and any cash gap against the minimum
  • A fixed charge test with a bridge from cash before charges to cash available
  • A tie between the two tests for debt service and rent, with differences explained
  • A list of what is MISSING and which checks were missed
• Loan covenant cash coverage checker: Share contract terms and cash by period. Check coverage ratios and the cushion above each required payment.
  • A schedule for each period: qualifying cash, debt service, cash required and headroom
  • The smallest headroom and the period it falls in
  • The cash gap, if any period is short
  • A ratio for each period that ties back to the same table
  • A list of missing facts and checks it could not run
  • A small workbook with the same schedule, if your AI can make files
• Fixed payment cash coverage checker: Share cash, taxes, spending and loan charges. See the cash left to cover fixed bills and the gap against your required ratio.
  • A bridge from cash before fixed charges down to cash available for fixed charges
  • Total fixed charges, split into interest, principal and rent
  • The coverage ratio next to your required minimum
  • The cash needed at the minimum, and the headroom above it or the shortfall below it
  • A list of every input marked MISSING and every check that could not run
  • A workbook version of the same lines, if your AI can make files
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up

Tasks you can use it for

• A quarter closed and the cash figure for that test period came in different from the forecast.
• The lender sent a new payment schedule, or the loan was amended.
• You want to know which test period is closest to the line before you plan a dividend or a purchase.
• You have two covenant tests on one loan and want them checked against each other without mixing definitions.

Limits to check before starting

• You have no signed covenant wording, only a term sheet or an email. It marks the definition MISSING and stops, because a rule from memory is not a rule.
• You want to know whether you are in breach in law, or whether a waiver applies. A lawyer or your lender decides that. This shows the numbers only.
• You only want one period's headroom. Use the Loan covenant cash coverage checker.
• You want to compare against a typical ratio for your industry. No market benchmark becomes the rule here, only your contract.
• You need next year's cash forecast. It tests the periods you give it and does not predict.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the pack and give it to an AI that can read files, such as Claude, ChatGPT or Gemini. The pack holds the Review contractual debt service cash tests workflow and the Debt service covenant headroom checker. In a chat-only tool it still works, but it cannot save files, so you keep the record it hands back.
• Say whether this is the first run. If not, paste last time's record. Then attach or paste the covenant wording, the cash bridge for each period and the payment schedule.
• Read "changed since last review" first. Check the changed period's cash against your accounts.
• Check one period by hand: required cash is debt service times the minimum, and headroom is cash less required cash. Check that the two tests use their own definitions.
• Fix every MISSING line. Run it again whenever a cash figure, a schedule or a signed definition changes. Installing it sets up no schedule.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/debt-service-covenant-evidence-reviewer for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.