medium · Debt Capital Markets credit-ratings-risk

A leveraged borrower has a $500 million First-Lien Term Loan at L+300 and a $200 million Second-Lien Term Loan at L+650.

If the company's EBITDA margins compress, which tranche is likely to experience the most significant price decline in the secondary market?

  1. The Second-Lien Term Loan, because it has higher LGD and its 'equity-like' risk increases as leverage rises.
  2. Both decline by the identical percentage because they share one issuer and therefore one probability of default.
  3. The First-Lien Term Loan, because its larger principal balance places a greater absolute dollar amount at risk.
  4. The First-Lien Term Loan, because its lower spread leaves it more exposed to shifts in the prevailing interest rate.

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