In other words, debt Covenants are agreements between a company and its lenders that act according to certain rules established by the lenders. They are also called banking covenants or financial covenants. Following the recovery of debt financing markets from the financial market downturn in 2008-2009, the concept of the « basket of available amounts », seen in high-yield bond transactions, has shifted to and become predominant in upper and traditional middle markets. However, the lower middle classes did not fully accept the inclusion of the available baskets. An available amount basket is commonly referred to as a « cumulative amount » or « builder`s cart ».