Answer:
Covenant
Step-by-step explanation:
Record refers to data or documents that are stored for later reference.
Covenant is an agreement in which the borrower accepts a condition or that some actions are forbidden.
Bargain is a negotiation in which the parties agree on the terms of a purchase.
Investiture is a formal act in which a person receives a rank.
According to this, the term that refers to a promise made to lenders by a borrower is covenant.