medium · Private Credit & Debt portfolio-management-monitoring-workouts

In a Distressed Debt 'Loan-to-Own' strategy, an investor identifies a company with $250 million in Senior Secured Debt and $150 million in Senior Unsecured Debt. The investor determines that the Senior Unsecured Debt is the 'fulcrum security'.

What does this imply for the restructuring outcome?

  1. The Senior Secured Debt will be 'crammed down' to only a 50 percent recovery rate, even though fully covered by collateral value.
  2. The Senior Unsecured class will be paid in full (100% cash recovery) before any new reorganized equity is issued to any other party.
  3. The Senior Unsecured class is the most senior impaired tranche and will likely convert into the majority of the reorganized company's equity.
  4. The existing equity holders will retain a 20% stake as a negotiated contractual 'gift' from the senior creditors, despite being out of the money.

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