---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-006742"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2026-10-21T20:05:16+00:00"
generated_at: "2026-10-21T20:06:13.445376+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Car-Mart adds $5M term loan; lenders extend default waiver to Nov 1

## Summary
- Second Amendment with Silver Point Finance adds $5.0M incremental term loans maturing Oct 30, 2030; $200,000 of fees paid in kind and added to principal.
- Borrowers acknowledged $305,608,825.77 aggregate outstanding loan principal as of Oct 14, 2026.
- Lenders extended the First Amendment waiver of specified events of default and relief from minimum liquidity and Collateral Coverage Ratio covenants to Nov 1, 2026, from Oct 22.
- ACM Auto Trust 2024-2 redeemed all outstanding asset-backed notes Oct 20, 2026; ~$92M of remaining receivables released and no longer pledged as collateral.
- Borrowers must pay Milbank LLP invoices in cash by Oct 28, 2026; no mandatory borrowing-base deficiency prepayment unless Requisite Lenders request it.

## SEC filing metadata
- accession: 0001171843-26-006742
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2026-10-21T20:05:16+00:00
- event_type: debt
- sentiment: negative
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 1.01, 2.03, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184326006742/0001171843-26-006742-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184326006742/f8k_102126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-006742
- JSON: https://secwatch.observer/filing/0001171843-26-006742.json
- Plain text: https://secwatch.observer/filing/0001171843-26-006742.txt

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