Hire an AI debt service coverage checker

Everything it can hand back

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

• 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

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 lender asks for a compliance certificate with a debt service or fixed charge test.

• outputs/step-1-debt-service-covenant-headroom-checker.md. Headroom for each of three periods, the tightest period and any cash gap.
• outputs/step-2-fixed-charge-coverage-bridge-builder.md. The bridge to cash available, total fixed charges, the ratio and headroom.
• Tie between tests. How debt service and rent match across both tests, and why the answers differ.
• HAND-BACK SUMMARY. Files saved, sources used, MISSING lines, checks missed and one suggested next step.

How the work is checked

• Each test keeps its own numerator and denominator. Shared debt service ties across the tables. Ratios and cash definitions are never swapped between tests. No breach, waiver or cure is stated.
• Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines.
• Real zeros, unavailable evidence and inapplicable ratios are told apart. No statement is forced to tie with an unexplained plug.
• Original source locations, assumptions, formula conventions, failed checks and actual verification results are saved. End with CHECKS MISSED: none, or the exact outstanding checks.
• 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

• Debt service covenant headroom checker. Builds the three-period cash test from the actual minimum and qualifying cash. Shows headroom, the tightest period and any gap. Hands step 2 the debt service parts for each period and any definition exceptions.
• Fixed charge coverage bridge builder. Builds the fixed charge numerator on its own from the signed definition. Ties rent and debt service back to step 1 and explains differences between the tests. Invents no waiver, breach opinion or equity cure.

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 review-contractual-debt-service-cash-tests 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/review-contractual-debt-service-cash-tests/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, from the credit agreement
• Cash before charges for each of three test periods, from the compliance certificate or your accounts
• Cash taxes, upkeep spending and rent for each period, if the contract counts them
• Interest and scheduled repayments for each period, from the loan schedule
• The minimum cover for each test, such as 1.25 times and 1.2 times
• The test dates, currency and scale

Helpful context (optional)

• The latest compliance certificate.
• The signed loan schedule.

Tools and access

• 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.
• Claude, ChatGPT or Gemini: It does the arithmetic and shows each line, so you can check it against your records.
• A spreadsheet app and an AI that can make files: Builds, recalculates and reopens the workbook version of the bridge.
• Node.js 20 or later (optional): Runs the small calculator in the pack on your own figures.

Functions and deliverables

• 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
• Loan lifetime cash coverage checker: Share three years of qualifying cash and loan terms. Check discounted cash coverage and the cushion over debt.
  • The value today of the cash that can repay the loan
  • The loan life cover ratio
  • The cash cushion above the loan balance, shown as plus or minus
  • A check that no cash after the loan end is counted
  • A list of missing facts and checks it could not run
  • A small workbook with the same sums, 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 lender asks for a compliance certificate with a debt service or fixed charge test.
• Your cash is close to the covenant floor, and you want to know which period is tightest.
• Two covenant ratios give different answers, and you need to explain why.
• You are checking a borrower's compliance numbers before you rely on them.

Limits to check before starting

• You want to know if you are in breach or need a waiver: ask your lender and a lawyer. This does the arithmetic only.
• Your covenant is net debt to EBITDA: use the net debt to EBITDA and cure workflow listed under After this.
• You test one period for one ratio: use the Loan covenant cash coverage checker, or the Fixed payment cash coverage checker, on its own.
• You are building project finance cover ratios over the life of a loan: use the Project debt repayment modeler workflow.

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 workflow pack and add it to Claude, ChatGPT or Gemini, in a chat that accepts files.
• Attach the credit agreement pages with the definitions, the loan schedule and your period figures. Give the test dates and currency.
• Ask your AI to follow the pack, save a file for each step and stop a step when an input is missing.
• After step 1, check that qualifying cash follows the contract wording, not your own accounts line.
• After step 2, read the notes on differences between the tests, then send both tables to your lender contact or lawyer. A spreadsheet tool is needed for the workbook. Without one, your AI gives the tables in chat.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/review-contractual-debt-service-cash-tests 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.