{"url_path":"/sec/crmt/8-k/2026-09-11/item-8-01","section_key":"item-8-01","section_title":"Item 8.01 Other Events.**","topic":"sec","document":{"doc_type":"8-K","doc_date":"2026-09-11","source_url":"https://www.sec.gov/Archives/edgar/data/799850/0001171843-26-005989-index.html","accession_number":"0001171843-26-005989","cik":"0000799850","ticker":"CRMT","issuer_name":"AMERICAS CARMART INC","edgar_url":"https://www.sec.gov/Archives/edgar/data/799850/0001171843-26-005989-index.html","primary_entity_key":"0000799850","primary_entity_name":"AMERICAS CARMART INC"},"word_count":917,"has_tables":true,"body_markdown":"**Item 8.01 Other Events.**\n\n \n\nAs previously disclosed, the Company is also engaged in an evaluation of strategic alternatives,\noverseen by a special committee of the Company’s board of directors and which may include potential financing, recapitalization,\nrestructuring, mergers and acquisitions, and other transactions. The Company believes it has made significant progress towards a transaction\nand that discussions remain active with third-parties, the Agent, and the Lenders.\n\n \n\nAs described in the Prior Current Reports, the Company has experienced, or anticipates experiencing,\nevents of default under the Credit Agreement, including the failure or expected failure to comply with certain financial covenants and\nreporting obligations. Pursuant to the Amendment, the Lenders have agreed to waive such defaults for the Specified Period (as defined\nin the Amendment) on the terms described in the June 25th Current Report, as extended by the Extensions. There can be no assurance that\nthe Company will satisfy the conditions to a permanent waiver of such defaults, that the Company’s review of strategic and financing\nalternatives will result in any transaction or other outcome favorable to the Company or its stockholders or that the Company will be\nable to achieve a sustainable capital structure.\n\n \n\n**Forward-Looking Statements.**\n\n \n\nThis Current Report on Form 8-K contains “forward-looking statements” within the\nmeaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this Current Report that do not relate to\nmatters of historical fact should be considered forward-looking statements. Words such as “expects,” “believes,”\n“will,” “would,” “plans,” “intends,” “continue,” “remain,” and\nother similar words and expressions are intended to signify forward-looking statements. These forward-looking statements include, without\nlimitation, statements regarding the Amendment and the covenant relief and waivers provided thereunder, the duration of the waiver and\nrelief period and the Company’s ability to extend that period, the Company’s review of strategic and financing alternatives\nand the potential outcomes thereof, the Company’s liquidity and efforts to preserve it, and the Company’s expectations regarding\nits future business and operations.\n\n \n\nActual results and the timing of such results could materially differ from those anticipated\nin such forward-looking statements as a result of certain risks and uncertainties, including: the Company’s ability to satisfy the\nmilestones and conditions set forth in the Amendment within the required timeframes; the Company’s ability to extend the waiver\nand relief period to November 2026 or otherwise obtain additional covenant relief, waivers, forbearance, or financing from its lenders\non acceptable terms or at all; the risk that the Company’s review of strategic alternatives does not result in any transaction or\nother outcome, or that any such transaction or outcome is on terms that are unfavorable to the Company or its stakeholders, or is not\ncompleted in a timely manner; the Company’s substantial level of indebtedness and its ability to service that indebtedness; the\nCompany’s liquidity position and ability to fund its operations and obligations as they come due; the potential need to seek protection\nunder applicable bankruptcy or insolvency laws; the possibility that holders of the Company’s common stock could experience a significant\nor complete loss of their investment, including as a result of any restructuring, recapitalization, or dilution; the Company’s ability\nto continue to meet the continued listing requirements of the Nasdaq Stock Market; the effect of the foregoing on the Company’s\nrelationships with customers, employees, suppliers, lenders, and other stakeholders; the costs, timing, and uncertainties associated with\nthe strategic review process and related advisory engagements; and the diversion of management’s attention from ordinary-course\nbusiness operations.\n\n \n\n \n\n \n\nAdditional risks include, without limitation: general economic conditions in the markets in\nwhich the Company operates, including but not limited to fluctuations in gas prices, grocery prices, and employment levels and inflationary\npressure on operating costs and customers’ ability to make payments; the availability of quality used vehicles at prices that will\nbe affordable to the Company’s customers, including the impacts of changes in new vehicle production and sales; the availability\nof credit facilities and access to capital through securitization financings or other sources on terms acceptable to the Company, and\nany increase in the cost of capital, to support the Company’s business; the Company’s ability to underwrite and collect its\ncontracts effectively; competition; dependence on existing management; the ability to attract, develop, and retain qualified general managers;\nchanges in consumer finance laws or regulations; future shutdowns of the federal government or changes to federal or state government\nassistance programs impacting the Company’s customers; the ability to keep pace with technological advances and changes in consumer\nbehavior affecting the Company’s business; security breaches, cyber-attacks, or fraudulent activity; the occurrence and impact of\nany adverse weather events or other natural disasters affecting the Company’s dealerships or customers; and additional risks described\nin more detail in the Company’s Annual Report on Form 10-K for the fiscal year ended April 30, 2026 and other documents on file\nwith the SEC, each of which can be found on the SEC’s website, www.sec.gov, or the investor relations section of the Company’s\nwebsite. The Company undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information,\nfuture events, or otherwise. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of\nthe dates on which they are made.\n\n** **\n\n** **\n\n**SIGNATURES**\n\n** **\n\nPursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly\ncaused this report to be signed on its behalf by the undersigned hereunto duly authorized.\n\n \n\n \n\n \n \nAMERICA'S CAR-MART, INC.\n\n \n \n \n\n \n \n \n\nDate: September 11, 2026\n \nBy: /s/ Marie Persichetti\n\n \n \nMarie Persichetti\n\n \n \nChief Financial Officer"}