medium · Debt Capital Markets

A $500 million term loan B (TLB) is usually 'Covenant-Lite,' while the associated $50 million Revolving Credit Facility (RCF) often has a springing maintenance covenant.

In the event of an RCF covenant breach that is not cured, what is the impact on the TLB holders?

  1. The TLB automatically converts to a revolving facility to provide the borrower with more liquidity to fix the problem.
  2. The TLB interest rate increases to the 'Default Rate,' which is usually 200 bps higher.
  3. The TLB holders can immediately demand repayment because any breach of any covenant is a 'cross-default' for the whole structure.
  4. The TLB holders do not have a direct default trigger; the default is 'cross-accelerated' only if the RCF lenders actually accelerate their loan.

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