diff --git a/include/xrpl/ledger/helpers/LendingHelpers.h b/include/xrpl/ledger/helpers/LendingHelpers.h
index 6196b90745..acdcaf0809 100644
--- a/include/xrpl/ledger/helpers/LendingHelpers.h
+++ b/include/xrpl/ledger/helpers/LendingHelpers.h
@@ -5,6 +5,7 @@
 #include <xrpl/protocol/st.h>
 
 #include <string_view>
+
 namespace xrpl {
 
 /**
diff --git a/src/libxrpl/ledger/helpers/LendingHelpers.cpp b/src/libxrpl/ledger/helpers/LendingHelpers.cpp
index 2e50c935b6..8343dc69f8 100644
--- a/src/libxrpl/ledger/helpers/LendingHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/LendingHelpers.cpp
@@ -31,7 +31,7 @@ namespace xrpl {
 [[nodiscard]] TER
 canApplyToBrokerCover(
     ReadView const& view,
-    std::shared_ptr<SLE const> const& sleBroker,
+    SLE::const_ref sleBroker,
     Asset const& vaultAsset,
     STAmount const& amount,
     beast::Journal j,
diff --git a/src/libxrpl/tx/transactors/lending/LoanBrokerCoverDeposit.cpp b/src/libxrpl/tx/transactors/lending/LoanBrokerCoverDeposit.cpp
index 7e93675e22..010830dacb 100644
--- a/src/libxrpl/tx/transactors/lending/LoanBrokerCoverDeposit.cpp
+++ b/src/libxrpl/tx/transactors/lending/LoanBrokerCoverDeposit.cpp
@@ -73,7 +73,7 @@ LoanBrokerCoverDeposit::preclaim(PreclaimContext const& ctx)
     if (amount.asset() != vaultAsset)
         return tecWRONG_ASSET;
 
-    // helper handles both IOU and MPT correctly without explicit branching.
+    // Helper handles both IOU and MPT correctly without explicit branching.
     if (auto const ret = canApplyToBrokerCover(
             ctx.view, sleBroker, vaultAsset, amount, ctx.j, "LoanBrokerCoverDeposit"))
         return ret;
diff --git a/src/libxrpl/tx/transactors/lending/LoanBrokerCoverWithdraw.cpp b/src/libxrpl/tx/transactors/lending/LoanBrokerCoverWithdraw.cpp
index 059e865ebf..dd02f573b2 100644
--- a/src/libxrpl/tx/transactors/lending/LoanBrokerCoverWithdraw.cpp
+++ b/src/libxrpl/tx/transactors/lending/LoanBrokerCoverWithdraw.cpp
@@ -93,7 +93,7 @@ LoanBrokerCoverWithdraw::preclaim(PreclaimContext const& ctx)
     if (amount.asset() != vaultAsset)
         return tecWRONG_ASSET;
 
-    // helper handles both IOU and MPT correctly without explicit branching.
+    // Helper handles both IOU and MPT correctly without explicit branching.
     if (auto const ret = canApplyToBrokerCover(
             ctx.view, sleBroker, vaultAsset, amount, ctx.j, "LoanBrokerCoverWithdraw"))
         return ret;
diff --git a/src/test/app/LoanBroker_test.cpp b/src/test/app/LoanBroker_test.cpp
index a8c6b72b30..eeb0d6d2e9 100644
--- a/src/test/app/LoanBroker_test.cpp
+++ b/src/test/app/LoanBroker_test.cpp
@@ -1901,12 +1901,14 @@ class LoanBroker_test : public beast::unit_test::Suite
                 auto const [brokerKeylet, iou] = setup(env);
                 PrettyAmount const subUlpAmt = iou(Number{1, -16});
                 auto const coverBefore = env.le(brokerKeylet)->at(sfCoverAvailable);
+                auto const aliceBalanceBefore = env.balance(alice, iou);
                 env(coverWithdraw(alice, brokerKeylet.key, subUlpAmt), Ter(expected));
                 env.close();
                 if (expected == tesSUCCESS)
                 {
                     if (auto const broker = env.le(brokerKeylet); BEAST_EXPECT(broker))
                         BEAST_EXPECT(broker->at(sfCoverAvailable) == coverBefore);
+                    BEAST_EXPECT(env.balance(alice, iou) == aliceBalanceBefore);
                 }
             }
 
@@ -1931,6 +1933,51 @@ class LoanBroker_test : public beast::unit_test::Suite
 
         runTestCases(all_);
         runTestCases(all_ - fixCleanup3_2_0);
+
+        // MPT amounts are integers; scale is 0; the guard never rejects a
+        // positive integer amount. Verify all three callsites pass with amendment on.
+        {
+            testcase("Cover precision guard: MPT min amount passes");
+            Env env{*this, all_};
+
+            env.fund(XRP(100'000), issuer, alice);
+            env.close();
+
+            MPTTester mptt{env, issuer, kMPT_INIT_NO_FUND};
+            mptt.create({.flags = tfMPTCanClawback | tfMPTCanTransfer | tfMPTCanLock});
+            env.close();
+
+            PrettyAsset const mptAsset = mptt["MPT"];
+            mptt.authorize({.account = alice});
+            env.close();
+
+            env(pay(issuer, alice, mptAsset(100)));
+            env.close();
+
+            Vault vault{env};
+            auto [createTx, vaultKeylet] = vault.create({.owner = alice, .asset = mptAsset});
+            env(createTx);
+            env.close();
+
+            auto const brokerKeylet = keylet::loanbroker(alice.id(), env.seq(alice));
+            env(set(alice, vaultKeylet.key));
+            env.close();
+
+            env(coverDeposit(alice, brokerKeylet.key, mptAsset(10)));
+            env.close();
+
+            env(coverDeposit(alice, brokerKeylet.key, mptAsset(1)), Ter(tesSUCCESS));
+            env.close();
+
+            env(coverWithdraw(alice, brokerKeylet.key, mptAsset(1)), Ter(tesSUCCESS));
+            env.close();
+
+            env(coverClawback(issuer),
+                kLOAN_BROKER_ID(brokerKeylet.key),
+                kAMOUNT(mptAsset(1)),
+                Ter(tesSUCCESS));
+            env.close();
+        }
     }
 
 public: