America's Car-Mart extends Silver Point waiver through September 11.

America's Car-Mart said Silver Point Finance, LLC, as Agent, and the lenders under its October 30, 2025 Credit and Guaranty Agreement agreed on September 4, 2026 to extend the Scheduled Termination Date of a limited default waiver from September 7 through September 11, 2026. Form 8-K AccNo 0001171843-26-005895 (earliest event September 4, 2026; accepted September 4, 2026 at 17:15:16 ET) discloses Items 1.01 and 8.01.

America's Car-Mart, Inc. (Nasdaq: CRMT) disclosed the Extension in Form 8-K AccNo 0001171843-26-005895 (Date of earliest event reported September 4, 2026; Filing Date / Accepted 2026-09-04 at 17:15:16 ET). Items covered: 1.01 Entry into a Material Definitive Agreement; 8.01 Other Events. The registrant is America's Car-Mart, Inc., a Texas corporation.

What the Extension changes

As disclosed in its Current Report on Form 8-K filed June 25, 2026 (the June 25th Current Report), the Company entered into the First Amendment and Limited Waiver to Credit and Guaranty Agreement (the Amendment) with Silver Point Finance, LLC, as Administrative Agent and Collateral Agent (the Agent), and the lenders party thereto (the Lenders), amending and providing certain limited waivers under the Credit and Guaranty Agreement dated as of October 30, 2025 (the Credit Agreement).

Under the Amendment, the Lenders agreed to waive, for the period from the Amendment effective date to September 7, 2026 (the Scheduled Termination Date), certain anticipated or existing events of default under the Credit Agreement. On September 4, 2026, the Agent and Lenders agreed to extend the Scheduled Termination Date through September 11, 2026 (the Extension).

The Extension moves the printed end of the temporary waiver window by four days. It does not, on the face of this 8-K, cure the referenced defaults, grant a permanent waiver, or announce a refinancing close.

Strategic alternatives and Item 8.01

As previously disclosed, the Company is also engaged in an evaluation of strategic alternatives, overseen by a special committee of the Company's board of directors, which may include potential financing, recapitalization, restructuring, mergers and acquisitions, and other transactions. The Company believes it has made significant progress towards a transaction and that discussions remain active with third parties, the Agent, and the Lenders.

"Significant progress" and "discussions remain active" are the Company's words. This filing does not name a counterparty, price, structure, or signed definitive agreement for any such transaction.

Defaults still only temporarily waived

As described in the June 25th Current Report, the Company has experienced, or anticipates experiencing, events of default under the Credit Agreement, including the failure or expected failure to comply with certain financial covenants and reporting obligations. Pursuant to the Amendment, the Lenders have agreed to waive such defaults for the Specified Period (as defined in the Amendment) on the terms described in the June 25th Current Report, as extended by the Extension.

The Company states there can be no assurance that it will satisfy the conditions to a permanent waiver of such defaults, that its review of strategic and financing alternatives will result in any transaction or other outcome favorable to the Company or its stockholders, or that it will be able to achieve a sustainable capital structure.

Disclosed risk language — not an announced bankruptcy

Forward-looking risk language in the 8-K lists, among other things, the potential need to seek protection under applicable bankruptcy or insolvency laws and the possibility that holders of the Company's common stock could experience a significant or complete loss of their investment, including as a result of any restructuring, recapitalization, or dilution. That language is attributed risk disclosure in the filing. It is not an announced bankruptcy, insolvency filing, or completed restructuring.

Still open after this filing

Whether the waiver is extended again past September 11, 2026, or converted to a permanent waiver. Whether any strategic or financing transaction is agreed or closed. The specific financial covenants and reporting obligations still at issue beyond the June 25 description. Any amended 8-K if the Extension terms are restated.