---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-007312"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2026-11-10T13:00:40+00:00"
generated_at: "2026-11-10T13:05:21.406534+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Car-Mart lenders extend credit-agreement termination date to Nov 12 from Nov 9, continuing liquidity waivers

## Summary
- Silver Point Finance as Administrative/Collateral Agent and the Lenders pushed the Scheduled Termination Date to November 12, 2026, from November 9, 2026.
- Temporary relief from the Company's minimum liquidity thresholds and minimum Collateral Coverage Ratio obligations was also extended through November 12, 2026.
- The First Amendment waives anticipated or existing events of default under the Credit and Guaranty Agreement dated October 30, 2025.
- The agent and lenders have granted a series of short extensions since September 4, 2026, each lasting days rather than resolving the underlying default risk.

## SEC filing metadata
- accession: 0001171843-26-007312
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2026-11-10T13:00:40+00:00
- event_type: debt
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 1.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184326007312/0001171843-26-007312-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184326007312/f8k_111026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-007312
- JSON: https://secwatch.observer/filing/0001171843-26-007312.json
- Plain text: https://secwatch.observer/filing/0001171843-26-007312.txt

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