---
title: "T199 · Financial Covenant Compliance Checker"
method: POST
path: "/v1/tools/financial_covenant_compliance_checker"
---

# T199 · Financial Covenant Compliance Checker

`POST /v1/tools/financial_covenant_compliance_checker`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/financial_covenant_compliance_checker`
- Auth: none declared

Input covenant terms and current financial metrics to check compliance and calculate headroom to breach. Covers leverage, interest cover, liquidity, and custom covenants. Stress-test headroom under revenue and margin shocks. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/199-financial-covenant-compliance-checker.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `covenants` object[], required
    - `type` 'nd_eb' | 'eb_int' | 'fccr' | 'min_eb' | 'min_liq' | 'de' | 'cr' | 'capex', required
    - `direction` 'lte' | 'gte', required
    - `threshold` number, required
    - `actual_ltm` number, required
    - `test_type` 'maintenance' | 'incurrence', required
  - `revenue_shock` number, required: Revenue shock fraction e.g. 0.20 = 20% decline
  - `margin_compression_pp` number, required: EBITDA margin compression in percentage points

## Response `200`

Successful tool execution result

- object
  - `covenants_tested` integer
  - `base_case_breaches` integer
  - `stress_breaches` integer
  - `tight_covenants` integer
  - `overall_status` 'compliant' | 'breach'
  - `covenant_detail` unknown[]
    - unknown
  - `ap2_mandate` object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)