---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-21-022523"
form_type: "8-K"
ticker: "NGVC"
cik: "0001547459"
company_name: "Natural Grocers by Vitamin Cottage, Inc."
filed_at: "2021-09-22T23:59:59+00:00"
generated_at: "2026-06-29T02:03:35.692898+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.3
calibrated_materiality_score: 0.3
confidence: "high"
source: SEC EDGAR
---

# Natural Grocers amends credit agreement to net cash from leverage ratio

## Summary
- Fifth Amendment to Credit Agreement dated September 16, 2021, with Bank of America as Administrative Agent.
- Consolidated leverage ratio definition amended to subtract unrestricted domestic cash and cash equivalents from total funded indebtedness.
- Applicable Rate pricing adjustment timing clarified for fiscal quarter ending September 30, 2021, tied to compliance certificate delivery.
- No defaults exist; representations and warranties reaffirmed by all loan parties.

## SEC filing metadata
- accession: 0001437749-21-022523
- form_type: 8-K
- ticker: NGVC
- cik: 0001547459
- company_name: Natural Grocers by Vitamin Cottage, Inc.
- filed_at: 2021-09-22T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.3
- calibrated_materiality_score: 0.3
- confidence: high
- sec_items: 1.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1547459/000143774921022523/0001437749-21-022523-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1547459/000143774921022523/ngvc20210917_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-21-022523
- JSON: https://secwatch.observer/filing/0001437749-21-022523.json
- Plain text: https://secwatch.observer/filing/0001437749-21-022523.txt

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