hard · Private Credit & Debt

A direct lender is conducting Quality of Earnings (QoE) analysis on a borrower with $34,400,000 in reported EBITDA. The borrower proposes several add-backs:$800,000 in non-recurring severance, $2,500,000 in projected synergies from a recent acquisition, and $1,100,000 for a new contract signed mid-quarter.

If the lender applies a 50% haircut to projected synergies and accepts all other items, what is the lender-adjusted EBITDA?

  1. $37,550,000
  2. $35,200,000
  3. $38,800,000
  4. $36,300,000

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