Decide
alirezarezvani/claude-skills
/cs:decide <memo — Log a decision to two-layer memory via decision-logger.
Decides how the business is financed and what that financing then requires of it — debt versus equity, weighted average cost of capital as a hurdle rate, how much leverage cash flow can carry, and…
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Install Capital Structure And Covenants
$ npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install cbrock84/headcount capital-structure-and-covenants --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/cbrock84/headcount.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/finance/skills/capital-structure-and-covenants .claude/skills/capital-structure-and-covenants && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "capital-structure-and-covenants" agent skill from https://github.com/cbrock84/headcount/tree/main/plugins/finance/skills/capital-structure-and-covenants into .claude/skills/capital-structure-and-covenants/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "capital-structure-and-covenants", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/cbrock84/headcount/tree/main/plugins/finance/skills/capital-structure-and-covenantsType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install cbrock84/headcount capital-structure-and-covenants --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/cbrock84/headcount.git skills-src && mkdir -p .agents/skills && cp -r skills-src/plugins/finance/skills/capital-structure-and-covenants .agents/skills/capital-structure-and-covenants && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "capital-structure-and-covenants" agent skill from https://github.com/cbrock84/headcount/tree/main/plugins/finance/skills/capital-structure-and-covenants into .agents/skills/capital-structure-and-covenants/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "capital-structure-and-covenants", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install cbrock84/headcount capital-structure-and-covenants --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/cbrock84/headcount.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/plugins/finance/skills/capital-structure-and-covenants .cursor/skills/capital-structure-and-covenants && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "capital-structure-and-covenants" agent skill from https://github.com/cbrock84/headcount/tree/main/plugins/finance/skills/capital-structure-and-covenants into .cursor/skills/capital-structure-and-covenants/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "capital-structure-and-covenants", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/cbrock84/headcount.git --path plugins/finance/skills/capital-structure-and-covenants--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install cbrock84/headcount capital-structure-and-covenants --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/cbrock84/headcount.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/plugins/finance/skills/capital-structure-and-covenants .gemini/skills/capital-structure-and-covenants && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "capital-structure-and-covenants" agent skill from https://github.com/cbrock84/headcount/tree/main/plugins/finance/skills/capital-structure-and-covenants into .gemini/skills/capital-structure-and-covenants/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "capital-structure-and-covenants", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install cbrock84/headcount capital-structure-and-covenantsInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/cbrock84/headcount.git skills-src && mkdir -p .github/skills && cp -r skills-src/plugins/finance/skills/capital-structure-and-covenants .github/skills/capital-structure-and-covenants && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "capital-structure-and-covenants" agent skill from https://github.com/cbrock84/headcount/tree/main/plugins/finance/skills/capital-structure-and-covenants into .github/skills/capital-structure-and-covenants/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "capital-structure-and-covenants", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install cbrock84/headcount capital-structure-and-covenants --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/cbrock84/headcount.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/plugins/finance/skills/capital-structure-and-covenants .opencode/skills/capital-structure-and-covenants && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "capital-structure-and-covenants" agent skill from https://github.com/cbrock84/headcount/tree/main/plugins/finance/skills/capital-structure-and-covenants into .opencode/skills/capital-structure-and-covenants/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "capital-structure-and-covenants", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
capital-structure-and-covenants- GitHub stars
- 2k
- Token cost
- ~1.1k tokens
- SKILL.md length
- 600 words
- Files
- 2 (incl. references)
- Skills in repo
- 178
- Repo updated
- First seen
- Licence
- MIT
At a glance
Decides how the business is financed and what that financing then requires of it — debt versus equity, weighted average cost of capital as a hurdle rate, how much leverage cash flow can carry, and…
- SKILL.md covers Cost of capital sets the…, Size leverage to the bad case,…, Covenants are where financing… and When a breach is coming, the…, plus 2 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Capital Structure And Covenants is an agent skill from cbrock84/headcount. Decides how the business is financed and what that financing then requires of it — debt versus equity, weighted average cost of capital as a hurdle rate, how much leverage cash flow can carry, and the financial, affirmative and negative covenants, definitions, test dates and cure rights that come attached. Use this to evaluate a financing option, set an investment hurdle, check whether a planned decision will trip a covenant, or work out what a lender can do when one breaks.
Its SKILL.md is about 1.1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including reference files (for example `references/sources.md`).
The repository describes itself as: An agent organization structured as a company — 15+ departments, 125+ skills, each independently installable, citing the standards and regulators that settle the question. Runs… The licence is MIT.
Example prompts
- “Use the capital-structure-and-covenants skill to decide how the business is financed and what that financing then requires of it — debt versus…”
- “/capital-structure-and-covenants”
What it can do on your machine
Read from SKILL.md and the folder at commit 98d1c17. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Capital Structure And Covenants loads about 1.1k tokens when it runs, and up to ~1.4k if it reads all its reference files. Until then it costs about 128 tokens; SKILL.md has 600 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from cbrock84/headcount at commit 98d1c17, republished under its MIT licence (© cbrock84). 600 words, ~1,078 tokens.
Download SKILL.mdSave it as
.claude/skills/capital-structure-and-covenants/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- capital-structure-and-covenants
- description
- Decides how the business is financed and what that financing then requires of it — debt versus equity, weighted average cost of capital as a hurdle rate, how much leverage cash flow can carry, and the financial, affirmative and negative covenants, definitions, test dates and cure rights that come attached. Use this to evaluate a financing option, set an investment hurdle, check whether a planned decision will trip a covenant, or work out what a lender can do when one breaks.
Capital structure and covenants
Financing is not only where the money comes from. It is a set of ongoing constraints that will shape operating decisions for as long as the facility exists, and most of those constraints are discovered late.
Cost of capital sets the hurdle, so compute it rather than choosing a round number
Weighted average cost of capital blends the after-tax cost of debt and the cost of equity in the proportions actually used. It is the rate an investment has to clear before it creates value.
Debt is cheaper than equity — the rate is lower, the interest is deductible, and the claim is senior. That cheapness is exactly why leverage is tempting, and why the temptation needs a limit set in advance. Equity has a cost even though nobody writes a check for it; treating it as free is how capital gets consumed by projects that never earned their keep.
Size leverage to the bad case, not the plan
Leverage amplifies returns on equity and amplifies losses, and the losses arrive first because debt service does not wait for recovery.
Capacity is governed by the stability of cash flow, not by an industry average ratio. A predictable subscription business carries debt that a project business with lumpy collections cannot. The question is never "can we service this at plan" — it is "can we service this at the plan we would be embarrassed to show anyone."
Covenants are where financing becomes an operating constraint
- Financial covenants — leverage ratio, interest coverage, fixed charge coverage, minimum liquidity, sometimes a minimum earnings floor. Tested quarterly in most agreements.
- Affirmative covenants — what you must do: reporting by a deadline, audited statements, insurance, notice of material events.
- Negative covenants — what you may not do without consent: additional debt, liens, asset sales, distributions, acquisitions, change of control.
The definitions matter more than the levels. Earnings in a credit agreement is a defined term with its own permitted add-backs and its own caps, and it will not equal the figure in your management accounts. Two facilities at the same headline ratio can allow very different behavior.
Model covenants forward at every material decision. A hiring plan, a capex commitment, or an acquisition can trip a ratio two quarters out while looking affordable this quarter. Headroom at each future test date belongs in the forecast, not in a separate spreadsheet nobody opens.
Show full SKILL.md (204 more words)Show less
When a breach is coming, the timing of the conversation is the whole outcome
Approach the lender before the test date. A waiver requested in advance is a negotiation; a breach discovered afterward is a default, and the difference in leverage between those two positions is enormous.
Know what the agreement gives you before you need it: cure periods, grace periods, whether an equity cure is permitted and how often, and whether cross-default provisions pull other agreements in behind this one. Consequences escalate rather than arriving all at once — a fee, then a rate step-up, then tightened covenants, then a cash sweep, then acceleration.
Sources
references/sources.md in this skill lists the outside authorities that settle the questions
here — what each one is authoritative for, and what you may do with it. Check them before
answering on anything they cover, and cite what you used. Most are free to read and not free
to reproduce; the use note on each is binding.
Never
- Sign a facility without modeling its covenants against the downside case.
- Read a covenant level without reading the definitions it depends on.
- Arrive at a test date without already knowing the number.
- Treat equity as costless because no payment leaves the account.
© cbrock84, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 1 other file (references) in plugins/finance/skills/capital-structure-and-covenants of cbrock84/headcount.
- SKILL.md
- references/sources.md
Open the folder on GitHubat commit 98d1c17
Compare with similar skills
Capital Structure And Covenants next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Capital Structure And Covenants this skillcbrock84/headcount | 2k | — | ~1.1k | Automated safety check: Pass | MIT | |
| Decidealirezarezvani/claude-skills | 28k | — | ~871 | Automated safety check: Pass | MIT | |
| Decidesuperset-sh/superset | 15k | — | ~695 | Automated safety check: Pass | Custom licence | |
| Financejjyaoao/HelloAgents | 3.2k | 1 repos | ~602 | Automated safety check: Pass | Custom licence | |
| Finance Skillsalirezarezvani/claude-skills | 28k | — | ~513 | Automated safety check: Pass | MIT | |
| Behavioral Finance for TradingHKUDS/Vibe-Trading | 35k | — | ~2.7k | Automated safety check: Pass | MIT |
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Questions about Capital Structure And Covenants
What does Capital Structure And Covenants do?
Decides how the business is financed and what that financing then requires of it — debt versus equity, weighted average cost of capital as a hurdle rate, how much leverage cash flow can carry, and…. Capital Structure And Covenants is an agent skill from cbrock84/headcount. Decides how the business is financed and what that financing then requires of it — debt versus equity, weighted average cost of capital as a hurdle rate, how much leverage cash flow can carry, and the financial, affirmative and negative covenants, definitions, test dates and cure rights that come attached.
How do I install Capital Structure And Covenants in Claude Code?
Run `npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a claude-code`. Or copy the skill folder (plugins/finance/skills/capital-structure-and-covenants in cbrock84/headcount) into .claude/skills/capital-structure-and-covenants in your project. Claude Code loads it when a task matches its description.
How do I install Capital Structure And Covenants in Codex?
Run `npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a codex`. Or copy the skill folder (plugins/finance/skills/capital-structure-and-covenants in cbrock84/headcount) into .agents/skills/capital-structure-and-covenants in your project. Codex loads it when a task matches its description.
Can I use Capital Structure And Covenants in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add cbrock84/headcount --skill capital-structure-and-covenants -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/capital-structure-and-covenants, .gemini/skills/capital-structure-and-covenants, .github/skills/capital-structure-and-covenants and .opencode/skills/capital-structure-and-covenants in your project.
What does Capital Structure And Covenants need to run?
SKILL.md names no scripts, command-line tools or credentials: Capital Structure And Covenants is instructions for the agent only.
Does Capital Structure And Covenants access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Capital Structure And Covenants safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Capital Structure And Covenants use?
Capital Structure And Covenants is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Capital Structure And Covenants use?
About 1.1k tokens (SKILL.md is roughly 4.3k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 369 tokens, read only when the agent opens those files.
What are the alternatives to Capital Structure And Covenants?
Skills that share tags, products or a category with Capital Structure And Covenants: Decide (alirezarezvani/claude-skills, 28k stars), Decide (superset-sh/superset, 15k stars), Finance (jjyaoao/HelloAgents, 3.2k stars) and Finance Skills (alirezarezvani/claude-skills, 28k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Capital Structure And Covenants?
cbrock84 (a GitHub user) maintains it in cbrock84/headcount, which has 2,022 GitHub stars. The repository holds 178 skills in this directory. The repository was last updated on September 17, 2026.
Source: cbrock84/headcount on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.