Fathom Holdings Inc. (FTHM): debt financing — Fathom Holdings enters $2M subordinated secured note with Bed Bath & Beyond

Fathom Holdings Inc.

Original principal $2,000,000; 9% PIK interest; matures April 1, 2027.
Secured by all assets and guaranteed by material subsidiaries; subordinated to senior debt from Sep 2024.
Covenants restrict dividends, share redemptions, additional debt, and affiliate transactions without disinterested director approval.
Events of default include covenant breach; default interest rate 18% per annum if elected.

Key facts

Extracted from this filing and checked against the source text.

Debt Financings SEC 8-K Item 2.03/2.04 confidence 0.9

Fathom Holdings Inc. incurred loan of $2,000,000 with Bed Bath & Beyond, Inc. at nine percent (9.0%) per annum maturing April 1, 2027.

Instrument: loan
Principal: $2,000,000
Counterparty: Bed Bath & Beyond, Inc.
Rate: nine percent (9.0%) per annum
Maturity: April 1, 2027
Event: incurrence

Exact text from the filing

On March 18, 2026, Fathom Holdings Inc. (the “Company”) entered into a subordinated secured promissory note in the original principal amount of $2,000,000 (the “Bridge Note”) with Bed Bath & Beyond, Inc. (the “Investor”).

View on SEC.gov

Material Agreements SEC 8-K Item 1.01/1.02 confidence 0.9

Fathom Holdings Inc. entered into Bridge Note with Bed Bath & Beyond, Inc. valued at $2,000,000 (effective 2026-03-18).

Action: entry
Agreement: credit facility
Counterparty: Bed Bath & Beyond, Inc.
Value: $2,000,000
Effective: 2026-03-18

Exact text from the filing

On March 18, 2026, Fathom Holdings Inc. (the “Company”) entered into a subordinated secured promissory note in the original principal amount of $2,000,000 (the “Bridge Note”) with Bed Bath & Beyond, Inc. (the “Investor”).

View on SEC.gov

Material Agreements SEC 8-K Item 1.01/1.02 confidence 0.9

Fathom Holdings Inc. entered into Security Agreement with Bed Bath & Beyond, Inc. (effective 2026-03-18).

Action: entry
Agreement: credit facility
Counterparty: Bed Bath & Beyond, Inc.
Effective: 2026-03-18

Exact text from the filing

In connection with the Bridge Note, on March 18, 2026, the Company, the Material Subsidiaries (as defined in the Bridge Note), and the Investor entered into (i) a security agreement (the “Security Agreement”) and (ii) a subsidiary guarantee (the “Subsidiary Guarantee”).

View on SEC.gov

Material Agreements SEC 8-K Item 1.01/1.02 confidence 0.9

Fathom Holdings Inc. entered into Subsidiary Guarantee with Bed Bath & Beyond, Inc. (effective 2026-03-18).

Action: entry
Counterparty: Bed Bath & Beyond, Inc.
Effective: 2026-03-18

Exact text from the filing

In connection with the Bridge Note, on March 18, 2026, the Company, the Material Subsidiaries (as defined in the Bridge Note), and the Investor entered into (i) a security agreement (the “Security Agreement”) and (ii) a subsidiary guarantee (the “Subsidiary Guarantee”).

View on SEC.gov

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Fathom Holdings Inc. filing history →

Source: SEC EDGAR

accession 0001628280-26-020494

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