{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-001280","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2023-03-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.124234+00:00","generated_at":"2026-06-18T19:25:26.467964+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"America's Car-Mart amends credit facility to include contracts up to 72 months, waives prior borrowing trigger event","bullets":["Amendment expands borrowing base to include vehicle contracts with original terms up to 72 months (previously max 60 months); contracts >60 months capped at 15% of eligible finance receivables.","Lenders waive requirement to apply dominion account funds to borrowings during Nov 30, 2022 to Jan 31, 2023 trigger period when availability fell below 10% of revolver commitments.","As of Jan 31, 2023, company had ~$148M additional availability under revolving credit facilities based on eligible finance receivables and inventory.","Company paid $250,000 amendment fee to lenders for the amendment and waiver."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-001280","json":"https://secwatch.observer/filing/0001171843-23-001280.json","markdown":"https://secwatch.observer/filing/0001171843-23-001280.md","text":"https://secwatch.observer/filing/0001171843-23-001280.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184323001280/0001171843-23-001280-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184323001280/f8k_022823.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T19:25:26.467964+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":"32cd9aca0ccb6dc92c1c7ff4f4526724bf9ab783","claim":"AMERICAS CARMART INC amended Amendment No. 5 to the Third Amended and Restated Loan and Security Agreement with a group of lenders (effective 2023-02-22).","evidence_excerpt":"On February 22, 2023, America’s Car-Mart, Inc., a Texas corporation (the “Company”), and its subsidiaries, Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”), America’s Car Mart Inc., an Arkansas corporation (“ACM”), and Texas Car-Mart, Inc., a Texas corporation (“TCM” and collectively with Colonial and ACM, the “Borrowers”), entered into Amendment No. 5 to the Third Amended and Restated Loan and Security Agreement (“Agreement”), dated as of September 30, 2019, by and among the Company, Colonial, ACM, TCM and a group of lenders, as previously amended on October 29, 2020, February 10, 2021, September 29, 2021, and April 22, 2022.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323001280/0001171843-23-001280-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"amendment"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"a group of lenders"},{"label":"Effective","value":"2023-02-22"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}