medium · Debt Capital Markets credit-ratings-risk

In a distressed credit situation, why might lenders push for a 'gross' leverage covenant instead of a 'net' leverage covenant?

  1. Because gross leverage is far simpler and faster to calculate during an external audit
  2. To ensure that the borrower ends up paying a materially higher contractual interest rate
  3. To prevent the borrower from appearing compliant by simply drawing the revolver and holding cash
  4. Because net leverage covenants are prohibited and legally unenforceable in certain regulatory jurisdictions

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