medium · Corporate Credit Analysis covenants

Under a standard 'Equal and Ratable' provision, if a company pledges its main factory to secure a new bank loan, what happens to the existing bondholders?

  1. The bonds automatically convert into common equity shares to avert an outright payment default.
  2. The bondholders are immediately paid off in full at par value, plus a one percent redemption premium.
  3. The bondholders must be granted a lien on that same factory that ranks at the same level as the bank's lien.
  4. The bondholders' existing unsecured claims are cancelled since the factory is no longer unencumbered corporate property.

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