Capitex Business Loan User manual Pages / Process steps - the left navigation column in the program Kovenanter och övriga villkor / Covenants and other terms Kovenanter / Covenants Kovenanter / Covenants Register the Covenants that must be included to grant the credit proposal.In the case of the Covenant "Belåningsgrad" / "Loan to value ratio", it must be linked to an Asset in the balance sheet and it is usually the inventory.Picture Kovenanter och övriga villkor / Covenants and other terms Negativklausuler / Negative clause