Entry into a Material Definitive Agreement. On September 11, 2025, Mercury Finance Acquisitions, LLC, a Georgia limited liability company (the “Purchaser”), and wholly-owned subsidiary of Atlanticus Holdings Corporation (the “Company”), entered into a Membership Interest Purchase Agreement (the “Purchase Agreement”) with Mercury Financial Intermediate LLC, a Delaware limited liability company (“Seller”), Mercury Financial LLC, a Delaware limited liability company (“Mercury”), and solely for p…

by reference. The press release and investor presentation shall not be deemed “filed” for any purpose, including for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information in this Item 7.01, including Exhibit 99.1 and Exhibit 99.2, shall not be deemed incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the “Securities Act”), o…

Entry into a Material Definitive Agreement. On August 20, 2025, Atlanticus Holdings Corporation (the “Company”) completed its private offering of $400,000,000 aggregate principal amount of 9.750% Senior Notes due 2030 (the “Notes”). The Company intends to use the net proceeds from the offering of the Notes (i) to repay amounts outstanding under its recourse warehouse facilities, (ii) for general corporate purposes, including to fund future acquisitions of portfolios and associated businesses…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The disclosure set forth above under

Entry into a Material Definitive Agreement. On August 26, 2024, Atlanticus Holdings Corporation (the “Company”) entered into an Amended and Restated At Market Issuance Sales Agreement (the “Sales Agreement”) with B. Riley Securities, Inc. (the “Sales Agent”) providing for the sale by the Company of up to an aggregate offering price of $100,000,000 of the Company’s (i) 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share and liquidation preference of $25.00 per share (t…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Entry into a Material Definitive Agreement. On July 24, 2024, Atlanticus Holdings Corporation (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with B. Riley Securities, Inc., as representative of the several underwriters named therein (the “Underwriters”), providing for the issuance and sale (the “Add-On Offering”) of $55 million aggregate principal amount of the Company’s 9.25% Senior Notes due 2029 (the “Firm Notes”). As described in the Underwriting Agr…

reflects the Company’s estimates of certain financial information as of June 30, 2024 and for the quarter then ended. Management believes the preliminary financial information is reasonable under the circumstances and reflects management’s estimates based solely upon information available as of the date of this Current Report on Form 8-K. These estimates are not meant to be a comprehensive statement of the Company’s results for this period and should not be viewed as a substitute for financia…

Regulation FD Disclosure. On July 23, 2024, Atlanticus Holdings Corporation (the “Company”) issued a press release (the “Press Release”) announcing that it has commenced an underwritten registered public add-on offering (the “Add-On Offering”) of its 9.25% Senior Notes due 2029 (the “Additional Notes”). The Additional Notes from the Add-On Offering are an additional issue of our $57,250,000 aggregate principal amount of 9.25% Senior Notes due 2029 that the Company sold in January and February…

Results of Operations and Financial Condition. The preliminary financial information as of June 30, 2024, and for the quarter then ended, set forth under

Changes in Registrant ’ s Certifying Accountant . On April 1, 2024, Atlanticus Holdings Corporation (the “Company”) dismissed BDO USA, P.C. (“BDO”) as its independent registered public accounting firm and appointed Deloitte & Touche LLP (“Deloitte”) as its independent registered public accounting firm for the Company’s fiscal year ending December 31, 2024. The decision to dismiss BDO and appoint Deloitte was approved by the Audit Committee of the Board of Directors (the “Audit Committee”) of…

Other Events. On February 14, 2024, Atlanticus Holdings Corporation, a Georgia corporation (the “Company”), issued and sold an additional $7,250,000 aggregate principal amount of the Company’s 9.25% Senior Notes due 2029 (the “Additional Notes”), pursuant to the exercise of the underwriters’ option to purchase the Additional Notes granted to the underwriters in the underwriting agreement (the “Underwriting Agreement”), dated as of January 25, 2024, by and between the Company and B. Riley Secu…

Entry into a Material Definitive Agreement. As previously disclosed, on August 10, 2022, Atlanticus Holdings Corporation (the “Company”) entered into an At Market Issuance Sales Agreement (the “Sales Agreement”) with B. Riley Securities, Inc. (the “Sales Agent”) providing for the sale by the Company of up to an aggregate offering price of $100,000,000 of the Company’s (i) 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share and liquidation preference of $25.00 per shar…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Entry into a Material Definitive Agreement. On January 25, 2024, Atlanticus Holdings Corporation (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with B. Riley Securities, Inc., as representative of the several underwriters named therein (the “Underwriters”), providing for the issuance and sale (the “Offering”) of $50,000,000 aggregate principal amount of the Company’s 9.25% Senior Notes due 2029 (the “Firm Notes”) plus up to an additional $7,500,000 aggre…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Regulation FD Disclosure. On January 24, 2024, Atlanticus Holdings Corporation (the “Company”) issued a press release (the “Press Release”) announcing that it has commenced an underwritten public offering of Senior Notes due 2029 (the “Offering”). A copy of the Press Release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. On January 24, 2024, the Company released an investor presentation that will be used by the Company with respect to the Offering (the “Investor Presentation…

Results of Operations and Financial Condition. The preliminary financial information as of December 31, 2023, and for the quarter then ended, set forth under

reflects the Company’s estimates of certain financial information as of December 31, 2023 and for the quarter then ended. Management believes the preliminary financial information is reasonable under the circumstances and reflects management’s estimates based solely upon information available as of the date of this Current Report on Form 8-K. These estimates are not meant to be a comprehensive statement of the Company’s results for this period and should not be viewed as a substitute for fina…

Entry Into a Material Definitive Agreement. On December 29, 2023, Atlanticus Holdings Corporation (the “Company”) entered into an At-The-Market Sales Agreement (the “Sales Agreement”) with BTIG, LLC (“BTIG”) providing for the sale by the Company of its common stock, no par value per share (the “Common Stock”), up to an aggregate offering price of $50,000,000, from time to time to or through BTIG, in connection with the Company’s Common Stock “at-the-market” offering program (the “Offering”).…

Results of Operations and Financial Condition. On November 8, 2023, Atlanticus Holdings Corporation (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2023. A copy of the Company’s press release is attached and furnished herewith as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference. Note: Information in this report (including Exhibit 99.1) furnished pursuant to

Results of Operations and Financial Condition. On August 8, 2023, Atlanticus Holdings Corporation (the “Company”) issued a press release announcing its financial results for the second quarter ended June 30, 2023. A copy of the Company’s press release is attached and furnished herewith as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference. Note: Information in this report (including Exhibit 99.1) furnished pursuant to

Results of Operations and Financial Condition. On March 14, 2023, Atlanticus Holdings Corporation (the “Company”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2022. A copy of the Company’s press release is attached and furnished herewith as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference. Note: Information in this report (including Exhibit 99.1) furnished pursuant to

Material Modification to Rights of Security Holders. On August 8, 2022, the Company filed an amendment and restatement of the Articles of Amendment Establishing 7.625% Series B Cumulative Perpetual Preferred Stock (the “Amended and Restated Articles of Amendment”) for the Preferred Stock with the Secretary of State of the State of Georgia, which became effective upon filing. The Amended and Restated Articles of Amendment designated a total of 7,388,533 shares of Preferred Stock. As set forth…