---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-006114"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2026-09-18T20:05:18+00:00"
generated_at: "2026-09-18T20:06:15.911218+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# Car-Mart extends lender waiver to Sept 24; strategic review ongoing, default risk persists

## Summary
- Third Extension moves waiver period from Sept 18 to Sept 24, 2026, for liquidity and collateral coverage covenant relief.
- Lenders waived anticipated/actual defaults under Credit Agreement through Sept 24; relief includes minimum liquidity and Collateral Coverage Ratio.
- Strategic alternatives review (financing, recap, M&A) continues; discussions active with Silver Point Finance and lenders.
- Company warns no assurance of permanent waiver or favorable outcome; potential bankruptcy or significant loss of stock value.
- Prior extensions: Sept 4 to Sept 11, then Sept 11 to Sept 18, before this one.

## SEC filing metadata
- accession: 0001171843-26-006114
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2026-09-18T20:05:18+00:00
- event_type: other_material
- sentiment: negative
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 1.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184326006114/0001171843-26-006114-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184326006114/f8k_091826.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-006114
- JSON: https://secwatch.observer/filing/0001171843-26-006114.json
- Plain text: https://secwatch.observer/filing/0001171843-26-006114.txt

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