{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-112478","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2025-09-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.241559+00:00","generated_at":"2026-05-17T08:51:13.405311+00:00","sec_items":["1.01","2.03"],"event_type":"debt","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Enova increases credit facility to $825M, extends maturity, reduces rate","bullets":["Total commitment raised from $665M to $825M.","Maturity extended from June 30, 2026 to August 28, 2029.","Interest rate reduced: base rate +0.50% (from 0.75%) and SOFR +3.25% (from 3.50%).","Same financial maintenance covenants retained: minimum fixed charge coverage and max leverage ratios."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-112478","json":"https://secwatch.observer/filing/0000950170-25-112478.json","markdown":"https://secwatch.observer/filing/0000950170-25-112478.md","text":"https://secwatch.observer/filing/0000950170-25-112478.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025112478/0000950170-25-112478-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025112478/enva-20250828.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T08:51:13.405311+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":"7261e547eb3f19ae373efb370bae29cb9085118b","claim":"Enova International, Inc. amended revolving credit of $825,000,000 with Bank of Montreal at base rate plus 0.50% and from the SOFR rate plus 3.50% to the SOFR rate plus 3.2 maturing August 28, 2029.","evidence_excerpt":"the Third Amendment increases the total commitment amount from $665,000,000 to $825,000,000, extends the maturity date from June 30, 2026 to August 28, 2029 and reduces the interest rate, as applicable, from the base rate plus 0.75% to the base rate plus 0.50% and from the SOFR rate plus 3.50% to the SOFR rate plus 3.25%","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025112478/0000950170-25-112478-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"revolving credit"},{"label":"Principal","value":"$825,000,000"},{"label":"Counterparty","value":"Bank of Montreal"},{"label":"Rate","value":"base rate plus 0.50% and from the SOFR rate plus 3.50% to the SOFR rate plus 3.2"},{"label":"Maturity","value":"August 28, 2029"},{"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"}