medium · Private Equity & LBOs

A sponsor models a $500M loan with 3.0% in total financing costs (Fees + OID). The loan is amortized at 1% per annum. At the end of Year 1, the company makes a voluntary prepayment of $50M.

Under standard GAAP, what happens to the capitalized fees?

  1. There is no change to the amortization schedule.
  2. The entire remaining fee balance is written off.
  3. The fees are re-capitalized and added back to the debt balance.
  4. A proportional amount of unamortized fees (10%) must be written off immediately.

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