{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-040495","form_type":"8-K","ticker":"VRM","cik":"0001580864","company_name":"Vroom, Inc.","filed_at":"2026-02-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.521710+00:00","generated_at":"2026-05-16T04:05:51.145267+00:00","sec_items":["1.01","2.03"],"event_type":"debt","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Vroom subsidiary UACC closes $225M auto loan securitization, notes rates 4.41%-7.77%","bullets":["UACC sold $274.9M of subprime auto receivables to trust; trust issued $225M in five tranches of asset-backed notes.","Note classes: A ($100.35M, 4.41%), B ($40.13M, 4.63%), C ($25.97M, 5.06%), D ($40M, 5.65%), E ($18.55M, 7.77%).","UACC will service the receivables for a 3.25% annualized fee; residual certificates ($100K) retained for risk retention.","ABS deal creates material long-term obligation; UACC is wholly owned subsidiary of Vroom, Inc. (VRM)."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-040495","json":"https://secwatch.observer/filing/0001193125-26-040495.json","markdown":"https://secwatch.observer/filing/0001193125-26-040495.md","text":"https://secwatch.observer/filing/0001193125-26-040495.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1580864/000119312526040495/0001193125-26-040495-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1580864/000119312526040495/vrm-20260205.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:05:51.145267+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":[{"claim_id":"f42de3ef780413f439b70fcd772196b697c3ca68","claim":"Vroom, Inc. incurred debt of $225,000,000 with Computershare Trust Company, N.A. (as indenture trustee).","evidence_excerpt":"the Trust issued $225,000,000 of asset-backed notes with the following characteristics (collectively, the “ Notes ”):","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1580864/000119312526040495/0001193125-26-040495-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Principal","value":"$225,000,000"},{"label":"Counterparty","value":"Computershare Trust Company, N.A. (as indenture trustee)"},{"label":"Event","value":"incurrence"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}