---
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"
generated_at: "2026-05-17T09:12:47.020721+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Vroom subsidiary amends warehouse credit facility; maturity extended to July 2027

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-112243
- JSON: https://secwatch.observer/filing/0000950170-25-112243.json
- Plain text: https://secwatch.observer/filing/0000950170-25-112243.txt

## Key facts
- Debt Financings
  Vroom, Inc. amended revolving credit with Capital One, N.A., as administrative agent maturing July 25, 2027.
  - Instrument: revolving credit
  - Counterparty: Capital One, N.A., as administrative agent
  - Maturity: July 25, 2027
  - Event: amendment
  source text: renewed the Warehouse Credit Facility and amended the maturity date to July 25, 2027
  evidence_url: https://www.sec.gov/Archives/edgar/data/1580864/000095017025112243/0000950170-25-112243-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.