{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-112243","form_type":"8-K","ticker":"VRM","cik":"0001580864","company_name":"Vroom, Inc.","filed_at":"2025-08-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.411922+00:00","generated_at":"2026-05-17T09:12:47.020721+00:00","sec_items":["1.01","2.03"],"event_type":"debt","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Vroom subsidiary amends warehouse credit facility; maturity extended to July 2027","bullets":["UACC and United Auto Financing Trust V entered into amendment to Warehouse Credit Facility.","Maturity date extended to July 25, 2027; funding termination date is August 28, 2026.","Advance rate reduced; tangible net worth and liquidity covenants tightened.","Aggregate borrowing capacity and other material terms remain unchanged.","Capital One remains administrative agent; defaults could accelerate maturity."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-112243","json":"https://secwatch.observer/filing/0000950170-25-112243.json","markdown":"https://secwatch.observer/filing/0000950170-25-112243.md","text":"https://secwatch.observer/filing/0000950170-25-112243.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1580864/000095017025112243/0000950170-25-112243-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1580864/000095017025112243/vrm-20250829.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T09:12:47.020721+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"99842074837d30399a9524f7af0e3202405ded35","claim":"Vroom, Inc. amended revolving credit with Capital One, N.A., as administrative agent maturing July 25, 2027.","evidence_excerpt":"renewed the Warehouse Credit Facility and amended the maturity date to July 25, 2027","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1580864/000095017025112243/0000950170-25-112243-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"revolving credit"},{"label":"Counterparty","value":"Capital One, N.A., as administrative agent"},{"label":"Maturity","value":"July 25, 2027"},{"label":"Event","value":"amendment"}],"fact_type":"debt_financing"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}