America's Car-Mart, Inc: lenders extend waivers through Oct 22, 2026

What happened America's Car-Mart, Inc filed a Current Report on Form 8-K on Oct 15, 2026 reporting that, pursuant to the First Amendment and Limited Waiver to the Credit and Guaranty Agreement dated Oct 30, 2025, Silver Point Finance, LLC, as Administrative Agent and Collateral Agent, and the lenders agreed to further extend the Scheduled Termination Date and the temporary relief regarding minimum liquidity thresholds and the minimum Collateral Coverage Ratio through Oct 22, 2026. The filing notes the Amendment originally provided waivers through Sep 7, 2026 and that the Agent and lenders had previously extended relief through Oct 15, 2026.

Key details

• The agreement amended the Credit and Guaranty Agreement dated Oct 30, 2025 and provided limited waivers originally through Sep 7, 2026.
• Since Sep 4, 2026 the Agent and lenders have agreed to a series of extensions, most recently extending relief through Oct 22, 2026.
• The company reported it has experienced, or anticipates experiencing, events of default under the Credit Agreement, and the lenders agreed to waive such defaults for the Specified Period as described in the Amendment and prior reports.
• The company remains engaged in a review of strategic alternatives overseen by a special committee of the board.

Why it may matter This filing reports Item 1.01 (entry into a material definitive agreement) describing the Amendment and lender waivers and Item 8.01 (other events) describing the company’s ongoing strategic review and related forward-looking statements. This filing does not show why the insider traded or why the company acted.