{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-006667","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2026-10-15T20:05:16+00:00","discovered_at":"2026-10-15T20:06:00.458203+00:00","generated_at":"2026-10-15T20:06:09.924383+00:00","sec_items":["1.01","8.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Car-Mart lenders extend default waiver to Oct 22; strategic review active, bankruptcy risk cited","bullets":["Silver Point Finance as Agent and the Lenders extended the Scheduled Termination Date and relief on minimum liquidity and Collateral Coverage Ratio to Oct 22, 2026, from Oct 15.","Company has experienced or expects events of default under the Oct 30, 2025 Credit Agreement, including failure to meet certain financial covenants and reporting obligations.","Strategic alternatives review, overseen by a special committee of the board, remains active with third parties, the Agent and Lenders; no assurance any transaction results.","Filing cites potential need to seek bankruptcy or insolvency protection and the possibility holders could suffer significant or complete loss via restructuring, recapitalization or dilution.","Series of prior extensions has run since Sept 4, 2026; risks note efforts to extend waiver and relief period to November 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-006667","json":"https://secwatch.observer/filing/0001171843-26-006667.json","markdown":"https://secwatch.observer/filing/0001171843-26-006667.md","text":"https://secwatch.observer/filing/0001171843-26-006667.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184326006667/0001171843-26-006667-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184326006667/f8k_101526.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T20:06:09.924383+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}