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Agent Skill

Capital Structure And Covenants skill

capital-structure-and-covenantscbrock84/headcountplugins/finance/skills/capital-structure-and-covenants/SKILL.md

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.

2.1kMIT

always on

102 tokname + description

once used

783 tokSKILL.md body

bundled files

11 KB

repo stars

2.1kGitHub

Install the Capital Structure And Covenants skill

Skills CLI (Claude Code, Codex, Cursor and others)

npx skills add https://github.com/cbrock84/headcount --skill capital-structure-and-covenants

Claude Code, by hand (all projects)

git clone --depth 1 https://github.com/cbrock84/headcount.git /tmp/headcount
mkdir -p ~/.claude/skills
cp -R /tmp/headcount/plugins/finance/skills/capital-structure-and-covenants ~/.claude/skills/capital-structure-and-covenants

For one project only, copy the folder into .claude/skills/ in that project instead. The agent picks it up when a task matches its description.

What it costs your context

Agent Skills load in three steps. Tokens counted with the o200k tokenizer; your model's count will differ a little.

WhenWhat loadsCost
Every sessionName and description102 tok
When the agent uses itThe SKILL.md instructions783 tok
Only if opened1 bundled files (1 KB)varies

Until it is used, capital-structure-and-covenants costs about 13× less than the median MCP server we measured (1,363 tokens on every turn). Installing all 150 skills from cbrock84/headcount would load 11,321 tokens of descriptions. Skills vs MCP study

Checks

Our checks found nothing to flag: it follows the Agent Skills specification's naming and size guidelines and doesn't pipe downloads into a shell.

Checked 2026-10-22 · method

What's inside

The headings of its SKILL.md. Read the full file on GitHub.

  • Capital structure and covenants
  • Cost of capital sets the hurdle, so compute it rather than choosing a round number
  • Size leverage to the bad case, not the plan
  • Covenants are where financing becomes an operating constraint
  • When a breach is coming, the timing of the conversation is the whole outcome
  • Sources
  • Never

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