medium · Private Credit & Debt documentation-covenants-terms

A borrower has a 100M loan at SOFR + 500 bps. To hedge interest rate risk, the borrower enters into a 3-year interest rate swap where they pay 4.00% fixed and receive SOFR.

If SOFR rises to 6.00%, what is the borrower's effective interest rate?

  1. 4.00%
  2. 9.00%
  3. 11.00%
  4. 10.00%

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