{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-027466","form_type":"8-K","ticker":"ATLCP","cik":"0001464343","company_name":"Atlanticus Holdings Corp","filed_at":"2025-08-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.036881+00:00","generated_at":"2026-05-17T11:08:08.725595+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Atlanticus issues $400M 9.750% Senior Notes due 2030; proceeds to repay warehouse facilities, fund growth","bullets":["$400M aggregate principal of 9.750% Senior Notes due 2030 issued; interest payable semi-annually starting March 1, 2026.","Notes redeemable at make-whole premium before Sep 1, 2027; thereafter at specified prices; up to 40% redeemable with equity offering proceeds at 109.750%.","Net proceeds to repay recourse warehouse facilities, fund acquisitions, and partially/fully repay 6.125% Senior Notes due 2026.","Guaranteed by certain domestic subsidiaries; covenants limit additional debt, dividends, liens, and asset sales."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-027466","json":"https://secwatch.observer/filing/0001437749-25-027466.json","markdown":"https://secwatch.observer/filing/0001437749-25-027466.md","text":"https://secwatch.observer/filing/0001437749-25-027466.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1464343/000143774925027466/0001437749-25-027466-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1464343/000143774925027466/atlc20250819_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T11:08:08.725595+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":"ee1d51fe956960c3d8e334ee1c85c8b4726f9884","claim":"Atlanticus Holdings Corp incurred senior notes of $400,000,000 aggregate principal amount with U.S. Bank Trust Company, National Association at 9.750% per annum maturing due 2030.","evidence_excerpt":"On August 20, 2025, Atlanticus Holdings Corporation (the “Company”) completed its private offering of $400,000,000 aggregate principal amount of 9.750% Senior Notes due 2030 (the “Notes”).","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1464343/000143774925027466/0001437749-25-027466-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"senior notes"},{"label":"Principal","value":"$400,000,000 aggregate principal amount"},{"label":"Counterparty","value":"U.S. Bank Trust Company, National Association"},{"label":"Rate","value":"9.750% per annum"},{"label":"Maturity","value":"due 2030"},{"label":"Event","value":"incurrence"}],"fact_type":"debt_financing"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}