---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-020494"
form_type: "8-K"
ticker: "FTHM"
cik: "0001753162"
company_name: "Fathom Holdings Inc."
filed_at: "2026-03-23T23:59:59+00:00"
generated_at: "2026-05-15T09:22:52.532853+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Fathom Holdings enters $2M subordinated secured note with Bed Bath & Beyond

## Summary
- 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.

## SEC filing metadata
- accession: 0001628280-26-020494
- form_type: 8-K
- ticker: FTHM
- cik: 0001753162
- company_name: Fathom Holdings Inc.
- filed_at: 2026-03-23T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1753162/000162828026020494/0001628280-26-020494-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1753162/000162828026020494/fthm-20260318.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-020494
- JSON: https://secwatch.observer/filing/0001628280-26-020494.json
- Plain text: https://secwatch.observer/filing/0001628280-26-020494.txt

## Source-grounded claims
- claim_id: 4beb886629432ffb963b28be8e9d54832f01eebc
  claim: 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.
  evidence_excerpt: 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”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1753162/000162828026020494/0001628280-26-020494-index.htm
- claim_id: 0af6424c682126352ec8b35f5a0eb92db7275bd5
  claim: Fathom Holdings Inc. entered into Bridge Note with Bed Bath & Beyond, Inc. valued at $2,000,000 (effective 2026-03-18).
  evidence_excerpt: 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”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1753162/000162828026020494/0001628280-26-020494-index.htm
- claim_id: 1512993ef1ca3755ee5180a672bcbe3c7d218a8e
  claim: Fathom Holdings Inc. entered into Security Agreement with Bed Bath & Beyond, Inc. (effective 2026-03-18).
  evidence_excerpt: 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”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1753162/000162828026020494/0001628280-26-020494-index.htm
- claim_id: 64afd07fa54f0beafaaa77a43a1552c755b458b7
  claim: Fathom Holdings Inc. entered into Subsidiary Guarantee with Bed Bath & Beyond, Inc. (effective 2026-03-18).
  evidence_excerpt: 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”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1753162/000162828026020494/0001628280-26-020494-index.htm

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