---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-047776"
form_type: "8-K"
ticker: "JCAP"
cik: "0002046042"
company_name: "Jefferson Capital, Inc. / DE"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:40:39.902382+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Jefferson Capital upsizes credit facility by $150M to $1.15B, cap raised to $1.425B

## Summary
- Amendment No. 8 increases aggregate revolving commitments by $150M from $1.0B to $1.15B.
- Maximum cap on future incremental increases raised to $1.425B, allowing up to $275M more.
- Foreign currency commitment set at $185M; UK sublimit $75M, Canadian sublimit $110M.
- Conditions satisfied: no default, solvency certificate, KYC documentation delivered on April 22, 2026.

## SEC filing metadata
- accession: 0001104659-26-047776
- form_type: 8-K
- ticker: JCAP
- cik: 0002046042
- company_name: Jefferson Capital, Inc. / DE
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2046042/000110465926047776/0001104659-26-047776-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2046042/000110465926047776/tm2612554d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-047776
- JSON: https://secwatch.observer/filing/0001104659-26-047776.json
- Plain text: https://secwatch.observer/filing/0001104659-26-047776.txt

## Source-grounded claims
- claim_id: 054d6e837758d8dec2e4608a8b1fc2884b1ef42e
  claim: Jefferson Capital, Inc. / DE amended revolving credit of $150,000,000 with Citizens Bank, N.A..
  evidence_excerpt: The Amendment increased the aggregate revolving credit commitments under the Credit Agreement by $150,000,000 from $1,000,000,000 to $1,150,000,000.
  evidence_url: https://www.sec.gov/Archives/edgar/data/2046042/000110465926047776/0001104659-26-047776-index.htm
- claim_id: d45be3cd78c2b5439879a84e5eba752383a68466
  claim: Jefferson Capital, Inc. / DE amended Amendment No. 8 to Credit Agreement with Citizens Bank, N.A. valued at $150,000,000 increase from $1,000,000,000 to $1,150,000,000 aggregate revolving credit commitments (effective 2026-04-22).
  evidence_excerpt: On April 22, 2026 (the "Amendment Effective Date"), CL Holdings, LLC, a Georgia limited liability company ("CL Holdings"), Jefferson Capital Systems, LLC, a Georgia limited liability company ("JCap"), JC International Acquisition, LLC, a Georgia limited liability company ("JCIA"), CFG Canada Funding, LLC, a Delaware limited liability company ("CFG" and, together with CL Holdings, JCap and JCIA, the "Borrowers"), and certain subsidiaries of the Borrowers, the existing lenders party thereto, the incremental lenders party thereto and Citizens Bank, N.A., as administrative agent (in such capacity, the "Administrative Agent"), entered into that certain Amendment No. 8 to Credit Agreement (the "Amendment"), which amended the Credit Agreement, dated as of May 21, 2021 (as amended, restated, amended and restated, supplemented or otherwise modified prior to the Amendment Effective Date, the "Credit Agreement"), by and among the Borrowers, the lenders party thereto and the Administrative Agent.
  evidence_url: https://www.sec.gov/Archives/edgar/data/2046042/000110465926047776/0001104659-26-047776-index.htm

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