The Debt Term Analyzer

Analyse the terms of this loan or debt facility and tell me what I'm
really agreeing to.

The facility: [AMOUNT, RATE, TERM, REPAYMENT STRUCTURE]
Covenants and conditions: [PASTE OR DESCRIBE]
Fees and security: [DESCRIBE]

Explain:
1. The true all-in cost (rate plus fees, effective interest)
2. What the repayment schedule does to my cash flow
3. Each covenant in plain English and how close I'd run to breaching it
4. The security/personal-guarantee exposure
5. The terms to negotiate and reasonable asks

Flag the clause most likely to bite in a downturn, and note where I should
get legal review.