easy · Corporate Credit Analysis

Summit Holdings is a sponsor-backed company that breaches its leverage covenant. The sponsor exercises an 'Equity Cure' by contributing $40M in cash.

If the agreement uses the standard 'EBITDA add-back' approach, how does this affect the covenant test?

  1. The $40M must be applied as a permanent, mandatory paydown of the Term Loan B principal.
  2. The $40M is added to the trailing twelve-month EBITDA for the purposes of the leverage calculation.
  3. The contribution instead reduces the net debt figure used in the leverage ratio's denominator.
  4. The covenant gets waived outright for two consecutive quarters following the equity contribution.

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