---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-006216"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2026-09-24T20:05:15+00:00"
generated_at: "2026-09-24T20:07:30.467762+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# America's Car-Mart extends lender waiver to Oct 1, flags bankruptcy risk

## Summary
- Lenders (Silver Point agent) extended Scheduled Termination Date and covenant relief (liquidity, collateral coverage) through Oct 1, 2026.
- Company previously received extensions on Sept 4, 11, 18 and June 25; defaults under Credit Agreement waived temporarily.
- Evaluating strategic alternatives incl. financing, recapitalization, restructuring, M&A; no assurance of favorable outcome.
- Risks cited: possible bankruptcy, significant/complete loss for stockholders, potential Nasdaq delisting.

## SEC filing metadata
- accession: 0001171843-26-006216
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2026-09-24T20:05:15+00:00
- event_type: debt
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 1.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184326006216/0001171843-26-006216-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184326006216/f8k_092426.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-006216
- JSON: https://secwatch.observer/filing/0001171843-26-006216.json
- Plain text: https://secwatch.observer/filing/0001171843-26-006216.txt

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