medium · Debt Capital Markets

In a 'Covenant-Lite' loan, the absence of financial maintenance covenants increases the importance of the 'Negative Pledge' and 'Lien' provisions.

Why is this the case?

  1. Because they automatically convert the loan from floating-rate to fixed-rate in a bankruptcy scenario.
  2. Because they prevent the borrower from layering in new secured debt that could prime the existing lenders before a default is even triggered.
  3. Because they require the borrower to pay down the loan if the value of the company's equity falls below a certain level.
  4. Because they prevent the company from hiring a new CEO without lender approval.

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