America's Car-Mart secures $150M warehouse loan facility; amends credit covenants

AMERICAS CARMART INC

Entered $150M warehouse loan facility with Atlas Securitized Products Funding 1, L.P., maturing July 12, 2026.
Interest rate on warehouse facility is Term SOFR plus 350 basis points; recourse limited to 10% of aggregate borrowed.
Amendment No. 7 to credit agreement lowers fixed charge coverage ratio from 0.75x to 1.25x over 12 months.
Company must provide a cash dominion plan within 30–60 days or face an Event of Default.
New collateral reserve of $11.27M initiated, adjustable monthly based on EBITDA vs. Fixed Charges.

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