What is the best next step when there is a breach of a loan covenant?

Asked by: Ashly Willms  |  Last update: February 24, 2026
Score: 4.8/5 (73 votes)

Demand immediate repayment: If the breach is severe or you cannot comply with the covenants, the bank may demand that you repay the entire loan immediately. Take legal action: If you cannot repay the loan or come to an agreement with the bank, the bank may take legal action against you to recover the debt.

What is the remedy for breach of covenant?

The primary remedy for breach of a Restrictive Covenant is a permanent injunction to restrain the breach. However, the courts have jurisdiction to award damages instead of an injunction.

What happens if a covenant is violated?

Consequences of a Breach of Covenant

A penalty or fee charged to the debtor by the creditor; An increase in the interest rate of the bond or loan; An increase in the collateral; Termination of the debt agreement; and.

What happens if you break a covenant in contract?

This includes following your budget and paying on time and in full. When a breach of covenant occurs, you risk paying penalties, a higher interest rate or even having the contract terminated altogether.

What happens in a covenant breach?

What does Breach of Covenant mean? A breach of a term of a lease where a tenant has covenanted (agreed) to do, or to not do something, such as to pay rent or not to part with possession. If an express right is reserved in the lease, the breach may entitle the landlord to forfeit.

Loan Covenants | Definition, Types, Uses & Breaches

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What happens when you breach a loan covenant?

Demand immediate repayment: If the breach is severe or you cannot comply with the covenants, the bank may demand that you repay the entire loan immediately. Take legal action: If you cannot repay the loan or come to an agreement with the bank, the bank may take legal action against you to recover the debt.

What is the remedy for the breach of a real covenant?

The remedy for a breach of a real covenant is monetary damages . Equitable servitudes have similar requirements as real covenants; however, they do not require privity. Instead of privity, an equitable servitude requires notice to be enforceable against future property owners.

What makes a covenant void?

Covenants can be unenforceable if they expire, if there is a history of the covenant being violated, or if there is no individual or group benefiting from them.

What are the consequences of breaking the covenant?

Leviticus 26:14–39 lists curses for breaking covenant (see also Deut. 28:15–68), curses including disease, infertility, and defeat in war. Moreover, in this list of covenant curses, the curses grow in intensity the longer the people remain impenitent, faithless, and disobedient.

What is the difference between a breach of contract and a breach of covenant?

In a contract, if a person does not fulfill his obligation, then it gives the other party to back out as well. The same is not true in a covenant. You must hold up your promise even if others do not hold up their pledge. Covenants are a type of contract, but they do not work like a contract.

How to audit loan covenants?

Covenants. The auditor should review loan agreements and any specific terms and consider the implications of any breaches of the provisions of the loan. There could be a significant impact if the client has failed to comply with any of the provisions of a loan agreement.

What is a breach of loan terms?

When a loan covenant is violated, it's often referred to as a covenant breach. Since loan covenants are part of the credit agreement between a borrower and a lender, a covenant breach is considered an event of debt default.

What are covenants not to sue?

A covenant not to sue is an agreement by an injured party not to sue the party that caused the injury.

What is the penalty for breach of the covenant?

Generally, the economic damages available for the breach of a restrictive covenant and/or non-competition agreement include(s) money damages (also known as “compensatory damages”), accounting for profits, and liquidated damages.

How is a covenant enforceable?

To be enforceable from one owner to the next, covenants must be recorded in the county land records, so they remain in the chain of title of the property. Once recorded, the new buyer “gets what they are given” … property with covenants recorded against it.

How are covenants terminated?

A covenant can be terminated if the original purpose of the covenant is lost. In some cases property owners can petition a court to remove or modify the covenants, and homeowner associations may include procedures for removing the covenants. The covenant may be negative or affirmative.

Who breaks the covenant?

Israel and Judah have both broken the covenant I made with their ancestors. 11Therefore, this is what the Lord says: I am going to bring calamity upon them, and they will not escape. Though they beg for mercy, I will not listen to their cries.

What is the covenant curse?

The covenant curses are all about the heart. When the people make the choice to turn after other gods, their hearts are lifted up and God cannot bless them in their rebellious state, so the curses come as a result.

What are the disadvantages of a covenant?

Reduced flexibility: Covenants can limit the issuer's flexibility in managing its business. The issuer may be required to maintain a certain level of cash or limit the amount of debt it can incur, which can limit its ability to pursue strategic opportunities.

What happens if I break a covenant?

Breaching a restrictive covenant leaves you open to potential legal action from the other party, if they wish to enforce the covenant. If you are taken to court and the other party is successful, you might have to undo any work carried out and may face a fine or have to pay damages, as well as legal fees.

What is the power behind a covenant?

Our access to that power is through our covenants with Him. A covenant is an agreement between God and man, an accord whose terms are set by God. In these divine agreements, God binds Himself to sustain, sanctify, and exalt us in return for our commitment to serve Him and keep His commandments."

How do you reverse a covenant?

Heading to court

Or you can go to the Upper Tribunal (Lands Chamber) and ask them to consider modifying or discharging the covenant. The Tribunal will examine whether it is in the public interest, review the covenant's rationale and validity, and assess whether there are grounds to develop or modify the land use.

Is a breach of covenant the same as a breach of contract?

In its simplest terms, a “covenant” is an agreement to do or to not do something. Covenants are unconditional promises found in contracts, and the failure of a party who makes such an agreement to abide by its terms will entitle the other contracting party to damages for breach of contract.

What happens if you don't follow a covenant?

It's legally binding and states what homeowners can and can't do with their house or land. Buyers can face penalties if they don't follow the covenant's obligations. These constraints may be spelled out in a property deed or a Declaration of Covenants, Conditions and Restrictions.

How do you deal with covenants?

Potential Options to Deal with a Restrictive Covenant
  1. Check if the beneficiary exists. You must undertake checks to check who benefits from the covenant. ...
  2. Negotiate. ...
  3. Indemnity insurance, shielding against covenant enforcement risks.
  4. Legal route.