medium · Debt Capital Markets bond-instruments-structures

Why is the Second-Lien Term Loan market often referred to as 'pro-cyclical'?

  1. It is named after the recurring 'cycle' of scheduled principal payments laid out in the deal's amortization waterfall.
  2. The coupon yields are directly indexed to the annual GDP growth rate of the borrower's domestic home country.
  3. Issuance typically surges when market liquidity is high and risk appetite is strong, and disappears during downturns.
  4. Second-Lien lenders are contractually obligated to expand their committed lending whenever the economy enters a recession.

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