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Financial covenants are legally binding terms or conditions set by lenders in loan agreements. They require the borrower (often a business) to fulfil certain financial conditions, such as maintaining a specific debt-to-equity ratio or net worth. They serve to protect the lender by ensuring the borrower maintains a certain level of financial health.
A practical guide to identifying and avoiding loan scams in South Africa, including the most common red flags, how to verify a lender, and what to do if you have been targeted.
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Before taking a payday loan, consider these practical alternatives available in South Africa that may cost less and put less pressure on your budget.
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