← Sound familiar?
The Covenant Phone Call
The lender shouldn't know first.
When the lender notices a covenant test before you do, the loss is not the breach. The loss is the asymmetry — they have a system that watched. You had a quarterly cycle that didn't.
This is what decision continuity prevents — not by writing the memo for you, but by keeping the memo testable.
Don't trust the dashboard. Trace the numbers yourself.
Three downloadable deal packs across the lifecycle. Every KPI cites its source cell. Open kpis.csv, follow the citation, the number matches.