---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-040235"
form_type: "8-K"
ticker: "FTHM"
cik: "0001753162"
company_name: "Fathom Holdings Inc."
filed_at: "2026-06-03T20:07:57+00:00"
generated_at: "2026-06-03T20:36:17.929197+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Fathom ups bridge note to $3.036M, secures waiver on convertible note defaults until Oct 2026

## Summary
- Amended bridge note with Bed Bath & Beyond: principal increased from $2M to $3,036,350 ($1M additional plus $36,350 accrued interest).
- Waiver of existing defaults (late Q1 10-Q filing) from convertible note holders; waiver period runs through Oct 1, 2026.
- Interest rate floor on convertible notes raised from 8% to 10%; 18% default rate applies during the filing delinquency period.
- Waiver terminates automatically if Q1 10-Q not filed by Oct 1, 2026, or upon a failed change-of-control event; acceleration rights revive.
- Company to reimburse holders' legal fees up to $5,000 for negotiating the waiver.

## SEC filing metadata
- accession: 0001628280-26-040235
- form_type: 8-K
- ticker: FTHM
- cik: 0001753162
- company_name: Fathom Holdings Inc.
- filed_at: 2026-06-03T20:07:57+00:00
- event_type: debt
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 1.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1753162/000162828026040235/0001628280-26-040235-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1753162/000162828026040235/fthm-20260529.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-040235
- JSON: https://secwatch.observer/filing/0001628280-26-040235.json
- Plain text: https://secwatch.observer/filing/0001628280-26-040235.txt

## Key facts
- Material Agreements
  Fathom Holdings Inc. amended Amended and Restated Bridge Note with Bed Bath & Beyond, Inc. valued at aggregate original principal amount of $3,036,350 (effective 2026-05-29).
  - Action: amendment
  - Agreement: notes offering
  - Counterparty: Bed Bath & Beyond, Inc.
  - Value: aggregate original principal amount of $3,036,350
  - Effective: 2026-05-29
  source text: On May 29, 2026, the parties to the Original Bridge Note agreed to amend and restate the Original Bridge Note (the “Amended and Restated Bridge Note”) to, among other things, increase the original principal amount by $1,000,000 (the “Additional Principal Amount”), for an aggregate original principal amount of $3,036,350, including $36,350 of accrued interest on the original principal amount as of May 29, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1753162/000162828026040235/0001628280-26-040235-index.htm
- Material Agreements
  Fathom Holdings Inc. amended Limited Waiver and Omnibus Amendment to the Senior Secured Convertible Promissory Notes with two accredited investors (effective 2026-05-29).
  - Action: amendment
  - Agreement: notes offering
  - Counterparty: two accredited investors
  - Effective: 2026-05-29
  source text: On May 29, 2026, the Company and the Holders entered into a Limited Waiver and Omnibus Amendment to the Senior Secured Convertible Promissory Notes (the “Waiver”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1753162/000162828026040235/0001628280-26-040235-index.htm

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