medium · Debt Capital Markets

A B2/B-rated borrower is evaluating two financing structures: a $500 million Term Loan A (TLA) that amortizes 10% of the principal per year over a 5-year tenor, and a $500 million Term Loan B (TLB) with a bullet maturity in year 7.

Which statement accurately describes the impact on the borrower's periodic cash flow and refinancing risk?

  1. The TLA and TLB structures have identical refinancing risks because the total principal amount is the same.
  2. The TLB structure imposes a higher cash flow burden during the life of the loan but eliminates refinancing risk at maturity.
  3. The TLA structure reduces annual cash flow availability but results in lower refinancing risk at maturity compared to the TLB.
  4. The amortizing TLA increases refinancing risk because the borrower must frequently access capital markets to make principal payments.

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