---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-000019"
form_type: "8-K"
ticker: "MCRI"
cik: "0000907242"
company_name: "MONARCH CASINO & RESORT INC"
filed_at: "2025-01-03T23:59:59+00:00"
generated_at: "2026-05-28T17:05:19.764028+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Monarch Casino amends credit facility to Jan 2028, removes real property lien

## Summary
- Sixth Amended & Restated Credit Agreement with Wells Fargo extends maturity to Jan 1, 2028.
- Interest rate: SOFR + 1.25% or Base Rate + 0.25%; commitment fee 0.25% per annum.
- Total Leverage Ratio covenant set at no more than 1.50:1.00.
- Lien on real property removed; facility secured by substantially all other assets.
- Available borrowings remain $100M for working capital, refinancing, and general corporate purposes.

## SEC filing metadata
- accession: 0001558370-25-000019
- form_type: 8-K
- ticker: MCRI
- cik: 0000907242
- company_name: MONARCH CASINO & RESORT INC
- filed_at: 2025-01-03T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/907242/000155837025000019/0001558370-25-000019-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/907242/000155837025000019/mcri-20241231x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000019
- JSON: https://secwatch.observer/filing/0001558370-25-000019.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000019.txt

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