Who can see, change and approve the lender tools?

• See: everyone who can see the books, by default admins, leadership, finance and board members.
• Change: admins, leadership and finance. That's the covenants, the Facility card, a new cash credit or overdraft, the stock, and marking covenants checked by hand.
• Approve certificates and statements, and reopen a statement: admins and those who can lock months, by default admins and finance (Settings → Permissions).

Warnings about covenants and reminders about statements go to admins and finance. Admins see every change and approval in Settings → Audit log. While Margin is read-only, nothing can be changed or approved.