CovenantDrill

CovenantDrill is a web app (with optional Excel add-in) that lets finance teams stress test debt covenants and liquidity under realistic shocks—rate hikes, revenue drops, margin compression, FX moves, and working-capital swings. Users upload a trial balance or connect their ERP, map accounts once, and run scenario packs that output covenant headroom, breach dates, and required actions (waiver, refinance, cost cuts). It produces lender-ready PDFs and a simple audit trail showing assumptions, data sources, and approvals. This is not a full enterprise risk platform; it’s a focused tool for companies that live and die by covenant compliance. The AI component helps classify accounts, detect inconsistent assumptions, and suggest scenario ranges based on historical volatility, but the model remains transparent and user-controlled to avoid “black box” pushback.