---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-003947"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2026-06-05T21:30:18+00:00"
generated_at: "2026-06-05T21:32:18.847272+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# America's Car-Mart gets lender forbearance through June 12; awards $2.6M retention cash to execs

## Summary
- Lender forbearance through June 12, 2026; anticipated defaults on minimum liquidity and collateral coverage covenants.
- CEO Douglas Campbell receives $1.2M cash retention award and 190,600 stock options (60,307 initial, 130,293 contingent).
- CFO Jonathan Collins gets $563,000 cash retention and 45,380 options; COO $531,000/50,660; CAO $300,000/16,336.
- Options split: Initial Options from current pool; Contingent Options require shareholder approval at Sept 2026 annual meeting.
- Special Committee evaluating strategic alternatives including recapitalization; Houlihan Lokey and FTI Consulting retained.

## SEC filing metadata
- accession: 0001171843-26-003947
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2026-06-05T21:30:18+00:00
- event_type: debt
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 1.01, 5.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184326003947/0001171843-26-003947-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184326003947/f8k_060526.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-003947
- JSON: https://secwatch.observer/filing/0001171843-26-003947.json
- Plain text: https://secwatch.observer/filing/0001171843-26-003947.txt

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