Company: ATLCL
Filing Date: 2025-08-20
Form Type: 8-K
Source: 0001437749-25-027466
Chunk: 1

Company: Atlanticus Holdings Corp
Filing Date: 2025-08-20
Form: 8-K
Item: Item 1.01
Chunk 1
---
 the Company will be required to offer to repurchase the Notes at 101% of the principal amount of the Notes, plus accrued and unpaid interest, if any, to, but excluding, the date of repurchase.

The Indenture contains covenants that, among other things, limit the ability of the Company and the Company’s restricted subsidiaries to incur or guarantee additional non-funding indebtedness or issue certain types of preferred stock or similar equity securities, pay dividends or make other distributions, create or incur certain liens, make certain loans or investments, create encumbrances or restrictions on the ability of the Company’s restricted subsidiaries to pay dividends or make other payments to the Company, enter into transactions with affiliates, lease, transfer or sell certain assets, including capital stock of the Company’s subsidiaries, and consolidate, merge or sell all or substantially all assets. These covenants are subject to important exceptions and qualifications set forth in the Indenture.

The Indenture provides for customary events of default which include (subject in certain cases to customary grace and cure periods), among others, nonpayment of principal or interest, breach of other agreements in respect of the Notes, failure to pay certain other indebtedness, failure to pay certain final judgments, failure of certain guarantees to be enforceable and certain events of bankruptcy or insolvency.

The foregoing summary and description of the Indenture and the Notes is subject to, and qualified in its entirety by, the full text of the Indenture, which is filed as Exhibit 4.1 hereto, and is incorporated by reference herein.

Cautionary Statement Regarding Forward-Looking Statements

This Current Report on Form 8-K contains forward-looking statements that reflect the Company’s current views with respect to the use of proceeds from the Notes. You generally can identify these statements by the use of words such as “outlook,” “potential,” “continue,” “may,” “seek,” “approximately,” “predict,” “believe,” “expect,” “plan,” “intend,” “estimate” or “anticipate” and similar expressions or the negative versions of these words or comparable words, as well as future or conditional verbs such as “will,” “should,” “would,” “likely” and “could.” These statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those included in the forward-looking statements. These risks and uncertainties include those risks described in the Company’s filings with the Securities and Exchange Commission and include, but are not limited to