---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-000643"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2025-02-05T23:59:59+00:00"
generated_at: "2026-05-27T03:06:59.041422+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# America's Car-Mart completes $200M securitization at 6.49% weighted avg coupon, 95 bps improvement

## Summary
- $150.77M Class A notes at 5.38% and $49.23M Class B notes at 7.87%; weighted average coupon 6.49%.
- Weighted avg coupon improved 95 bps vs Oct 2024 securitization; transaction oversubscribed over 10 times.
- Net proceeds of ~$198.5M used to repay outstanding debt and fund reserve accounts.
- Notes mature Nov 20, 2031; S&P rated Class A A(sf), Class B BBB(sf).
- CFO cites confidence in asset quality, boosted by migration to new loan origination system.

## SEC filing metadata
- accession: 0001171843-25-000643
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2025-02-05T23:59:59+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 2.03, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184325000643/0001171843-25-000643-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184325000643/f8k_020525.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000643
- JSON: https://secwatch.observer/filing/0001171843-25-000643.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000643.txt

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