medium · Corporate Credit Analysis

An analyst is reviewing a 'Most-Favoured-Nation' (MFN) clause in a new Term Loan B agreement.

If the agreement includes a '50 bp sunset after 6 months', what does this imply?

  1. The pricing protection for existing lenders expires entirely six months after the initial closing.
  2. New lenders must offer 50 bp more margin than existing lenders to participate at all.
  3. The interest rate on the loan automatically decreases by 50 bp once six months have passed.
  4. The borrower is prohibited from issuing any new incremental debt tranches during the first six months.

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