{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-296552","form_type":"8-K","ticker":"VRM","cik":"0001580864","company_name":"Vroom, Inc.","filed_at":"2026-07-06T22:42:18+00:00","discovered_at":"2026-07-07T10:05:01.161380+00:00","generated_at":"2026-07-07T10:05:38.473445+00:00","sec_items":["1.01","2.03"],"event_type":"debt","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Vroom extends warehouse credit facility maturity to June 2027 and improves covenant terms","bullets":["Amendment No. 29 extends commitment termination date from July 2, 2026 to June 2, 2027.","Maximum permitted leverage ratio increased; minimum tangible net worth threshold reduced and simplified.","Dynamic advance rate mechanism updated to increase the maximum advance rate.","Vroom Finance Holdings LLC provides Performance Guaranty for obligations under the facility.","All other material terms of the Warehouse Credit Facility remain unchanged."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-296552","json":"https://secwatch.observer/filing/0001193125-26-296552.json","markdown":"https://secwatch.observer/filing/0001193125-26-296552.md","text":"https://secwatch.observer/filing/0001193125-26-296552.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1580864/000119312526296552/0001193125-26-296552-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1580864/000119312526296552/vrm-20260630.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-07T10:05:38.473445+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"}