---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-100106"
form_type: "8-K"
ticker: "CERT"
cik: "0001827090"
company_name: "Certara, Inc."
filed_at: "2025-10-16T23:59:59+00:00"
generated_at: "2026-05-17T03:35:24.809793+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Certara refinances $296.25M term loans at lower interest rates

## Summary
- Sixth Amendment reduces margin on term loans to SOFR+2.75% or ABR+1.75%.
- $296.25M Replacement Term Loans refinanced all existing term loans on Oct 16, 2025.
- Expects reduced borrowing cost and interest expense savings versus prior terms.
- All consenting lenders exchanged existing loans; one new lender joined.
- Covenants, guarantees, and collateral terms remain substantially unchanged.

## SEC filing metadata
- accession: 0001104659-25-100106
- form_type: 8-K
- ticker: CERT
- cik: 0001827090
- company_name: Certara, Inc.
- filed_at: 2025-10-16T23:59:59+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1827090/000110465925100106/0001104659-25-100106-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1827090/000110465925100106/tm2528835d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-100106
- JSON: https://secwatch.observer/filing/0001104659-25-100106.json
- Plain text: https://secwatch.observer/filing/0001104659-25-100106.txt

## Key facts
- Debt Financings
  Certara, Inc. incurred term loan with Bank of America, N.A., as administrative agent for the Lenders and collateral agent for the secured parties thereunder at Term SOFR rate, with a floor of 0.00% plus an applicable margin rate of 2.75%.
  - Instrument: term loan
  - Counterparty: Bank of America, N.A., as administrative agent for the Lenders and collateral agent for the secured parties thereunder
  - Rate: Term SOFR rate, with a floor of 0.00% plus an applicable margin rate of 2.75%
  - Event: incurrence
  source text: The Replacement Term Loans were funded in full on the Closing Date and were applied by the Company to refinance the Existing Term Loans (as defined in the Amendment) previously outstanding under the Credit Agreement.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1827090/000110465925100106/0001104659-25-100106-index.htm
- Debt Financings
  Certara, Inc. amended credit facility with Bank of America, N.A., as administrative agent for the Lenders and collateral agent for the secured parties thereunder at Term SOFR rate, with a floor of 0.00% plus an applicable margin rate of 2.75%.
  - Instrument: credit facility
  - Counterparty: Bank of America, N.A., as administrative agent for the Lenders and collateral agent for the secured parties thereunder
  - Rate: Term SOFR rate, with a floor of 0.00% plus an applicable margin rate of 2.75%
  - Event: amendment
  source text: The Amendment provides for, among other things, a reduction in the Applicable Rate (as defined in the Credit Agreement) with respect to the term loans under the Credit Agreement, which is expected to reduce the Company’s cost of borrowing and allow for interest expense savings, as compared to prior terms under the Credit Agreement.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1827090/000110465925100106/0001104659-25-100106-index.htm

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