CNH Industrial Capital LLC 8-K

What Happened
CNH Industrial Capital LLC filed a Form 8-K on January 6, 2026, announcing it priced $500 million aggregate principal amount of 4.375% senior notes due March 7, 2031. Interest on the notes is payable March 7 and September 7 each year, beginning March 7, 2026. The notes are guaranteed by CNH Industrial Capital America LLC and New Holland Credit Company, LLC.

Key Details

• Offering sized at $500,000,000 principal; coupon: 4.375%; maturity date: March 7, 2031.
• Interest payment dates: March 7 and September 7, commencing March 7, 2026.
• Guarantees provided by CNH Industrial Capital America LLC and New Holland Credit Company, LLC (wholly owned subsidiaries).
• Net proceeds to be added to CNH Capital’s general funds for working capital, ordinary-course asset/receivables purchases and possible repayment of indebtedness; offering conducted under an S-3ASR registration (prospectus supplement dated January 6, 2026).

Why It Matters
The new notes increase CNH Capital’s long-term debt and commit the company to fixed interest payments through 2031, affecting future interest expense and liquidity planning. Proceeds are earmarked for general corporate purposes and to support financing activities (including buying receivables and repaying debt), which can help maintain operations and liquidity. The subsidiary guarantees may enhance the notes’ enforceability for creditors but do not alter that this is additional indebtedness on CNH Capital’s balance sheet. The 8-K also contains standard forward-looking statement language about risks and uncertainties.