medium · Corporate Credit Analysis ratings

A $300 million TLA is priced at L + 250 bps, while a $700 million TLB for the same issuer is priced at L + 375 bps.

What is the most likely reason for this 125 bps pricing differential?

  1. In most leveraged finance deals, TLA and TLB share the identical first-lien collateral package on a pari passu ranking basis.
  2. Maintenance covenants raise default odds, but generally lower lender risk via earlier intervention.
  3. The TLB lenders demand a premium for the longer tenor, minimal amortization, and lack of maintenance covenants.
  4. TLA and TLB are typically senior secured tranches within the same agreement, ranking equally in the waterfall.

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