Jefferson Capital Announces $100M Add-On 8.25% Senior Notes Offering

What Happened Jefferson Capital, Inc. filed a Form 8-K on August 18, 2026 to disclose that its indirect wholly-owned subsidiary, Jefferson Capital Holdings, LLC (the “Issuer”), proposed an add-on offering of $100 million aggregate principal amount of 8.250% senior notes due 2030. The Add-On Notes would be issued under the same indenture (dated May 2, 2025) as the Issuer’s existing $500 million of 8.250% senior notes due 2030. The company furnished two press releases on August 18, 2026: one announcing the proposed offering and one regarding the pricing of that offering.

Key Details

• Issuer: Jefferson Capital Holdings, LLC (indirect wholly-owned subsidiary).
• Offering: Proposed $100,000,000 aggregate principal amount of 8.250% senior notes due 2030 (Add-On Notes).
• Indenture/Existing Debt: Add-On Notes to be issued under indenture dated May 2, 2025, alongside $500,000,000 existing 8.250% senior notes due 2030 (would bring total to $600M if issued).
• Registration/Distribution: The Add-On Notes have not been and will not be registered under the Securities Act and may only be offered or sold pursuant to an applicable exemption; press releases were furnished as disclosure, not an offer.

Why It Matters This filing informs investors that Jefferson Capital’s group is seeking to increase its outstanding senior notes for the 2030 maturity by $100 million at the same coupon (8.250%). If issued, the additional notes would increase the Issuer’s 2030 senior debt outstanding from $500M to $600M, which is a material change in the company’s consolidated debt profile. The notes are being distributed under an exemption from registration, and the company included customary forward-looking statements and cautions. Retail investors should note the issuer is a subsidiary (not necessarily the parent) and that the filing is informational — actual issuance, settlement and any effects on the company’s financials depend on completion of the offering and related terms.