Other Events. 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 and 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. As described in the June 25th Cur…

Entry into a Material Definitive Agreement. As disclosed in its Current Report on Form 8-K filed on June 25, 2026 (the “June 25th Current Report”), America's Car-Mart, Inc. (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 (collectively, the "Lenders"), amending and providing certain limited waivers under…

Results of Operations and Financial Condition. On July 14, 2026, America’s Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the Fourth Quarter and Fiscal Year ended April 30, 2026. The press release contains certain financial, operating and other information for the period ended April 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference. In accordance with General Instruction B.2., the informati…

Other Events. As previously disclosed, the Company is engaged in an evaluation of strategic alternatives, overseen by the Special Committee and which may include potential financing, recapitalization, restructuring, mergers and acquisitions, and other transactions. Houlihan Lokey Capital, Inc., FTI Consulting, Inc., and Mayer Brown LLP are serving as the Company's advisors in connection with these efforts. The Amendment described in

above, 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 on the terms described above. There can be no assurance that the Company will satisfy the conditions to a permanent waiver of the Specified Defaults or achieve a sustainable c…

Director — Julia K. Davis: Julia K. Davis resigned as a director of the Company.

Entry into a Material Definitive Agreement. As disclosed in its Current Report on Form 8-K filed on June 5, 2026, America’s Car-Mart, Inc., (the “Company”) reported that the agent (the “Agent”) and the lenders (the “Lenders”) under the Company’s Credit and Guaranty Agreement, dated as of October 30, 2025 (the “Credit Agreement”), agreed not to exercise remedies under the Credit Agreement as a result of actual or anticipated defaults or events of default under the Credit Agreement (the “Lender…

Other Events. As previously disclosed, the Special Committee of the Board of Directors, composed of Adam Paul (Chair), Joshua Welch, and Jonathan Buba, is overseeing the Company’s evaluation of strategic alternatives, including potential financing, recapitalization, restructuring, mergers and acquisitions, and other strategic transactions. Houlihan Lokey Capital, Inc. and FTI Consulting, Inc. are serving as the Company's financial advisors in connection with these efforts. The Company is work…

Entry into a Material Definitive Agreement. On June 1, 2026, America's Car-Mart, Inc. (the "Company") received confirmation from Silver Point Finance, LLC, as Administrative Agent and Collateral Agent (the "Agent"), acting on behalf of the agents and the lenders under the Credit and Guaranty Agreement dated as of October 30, 2025, among the Company, Colonial Auto Finance, Inc. and Texas Car-Mart, Inc., as Borrowers, the Company, as Parent, the subsidiaries party thereto, the lenders party the…

The filing describes a retention program and compensatory arrangements for senior management, not a change in management or departure.

Independent Director and Member of Special Committee — Adam Paul: The Board appointed Adam Paul as an additional independent director and to the Special Committee.

Entry into a Material Definitive Agreement The information set forth in

of this Current Report on Form 8-K, the Company expects to record a non-cash impairment charge of approximately $14 million related to assets at the closing locations. The Company also expects to incur cash charges related to employee separation costs and lease exit costs, which the Company is unable to estimate at this time. Following the closures, which are expected to be completed by April 14, 2026, the Company will operate 94 dealership locations across 12 states. The Company will continu…

is furnished as Exhibit 99.1 to this report and is incorporated herein by reference. The information in this Current Report on Form 8-K furnished pursuant to Item 7.01, including Exhibit 99.1 attached hereto, shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and such information shall not be deemed to be incorporated by reference into any of the Company’s filings with the Secu…

Results of Operations and Financial Condition. On March 12, 2025, America’s Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the third quarter ended January 31, 2026. The press release contains certain financial, operating and other information for the period ended January 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference. In accordance with General Instruction B.2., the information contained in

Entry into a Material Definitive Agreement. The information contained in

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. On December 17, 2025, affiliates of America’s Car-Mart, Inc. (the “Company”) completed a securitization transaction involving the issuance of $161,264,000 aggregate principal amount of asset-backed, non-recourse notes (the “Securitization Transaction”). Pursuant to this transaction, Colonial Auto Finance, Inc., a wholly-owned subsidiary of the Company (the “Seller”), sold or conv…

Results of Operations and Financial Condition. On December 4, 2025, America’s Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the second quarter ended October 31, 2025. The press release contains certain financial, operating and other information for the period ended October 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference. In accordance with General Instruction B.2., the information contai…

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

Entry into a Material Definitive Agreement. On October 30, 2025, America’s Car-Mart, Inc., a Texas corporation (the “Company”), and its subsidiaries, Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”), America’s Car Mart, Inc., an Arkansas corporation (“ACM”), Texas Car-Mart, Inc., a Texas corporation (“TCM”), Colonial Underwriting, Inc., an Arkansas corporation (“Colonial Underwriting”), and Auto Finance Investors, Inc., a Texas corporation (“AFI”, and together with the Compan…

Termination of a Material Definitive Agreement. On October 30, 2025, the Company and its subsidiaries used a portion of the proceeds from the Senior Secured Credit Facility to fully repay the outstanding balance under the Company’s $350 million asset-backed revolving line of credit. In connection with the payoff of the revolving line of credit, the Company terminated the Third Amended and Restated Loan and Security Agreement, dated September 30, 2019, as subsequently amended, among the Compan…

Unregistered Sales of Equity Securities. The information set forth in

Results of Operations and Financial Condition. On September 4, 2025, America’s Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the first quarter ended July 31, 2025. The press release contains certain financial, operating and other information for the period ended July 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference. In accordance with General Instruction B.2., the information contained in

Entry into a Material Definitive Agreement. On August 28, 2025, affiliates of America’s Car-Mart, Inc. (the “Company”) completed a securitization transaction (the “Securitization Transaction”), which involved the issuance and sale in a private offering of $133,340,000 aggregate principal amount of 5.01% Class A Asset Backed Notes (the “Class A Notes”) and $38,620,000 aggregate principal amount of 6.08% Class B Asset Backed Notes (the “Class B Notes” and, together with the Class A Notes, the “…

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