Gold.com (AMRK) expands credit facility and financing limits with CIBC Bank USA

Rhea-AI Filing Summary

Gold.com, Inc. entered into an Incremental Facility Agreement and First Amendment to its Amended and Restated Credit Agreement with CIBC Bank USA and other lenders. This amendment, effective February 13, 2026, expands the company’s revolving credit commitments to $427.5 million, giving it greater borrowing capacity for working capital and general corporate needs.

The amendment also lifts several key financing limits. The cap on secured leases rises to $600.0 million, and the limitation on Ownership Based Financing increases to $1.1 billion. In addition, the agreement raises per-location and in-transit inventory limits and increases major counterparty limits, providing more flexibility in how Gold.com structures its financing and manages inventory and trading relationships.

Insights

Credit & capital structure analyst

Gold.com expands credit capacity and financing flexibility without detailing new borrowings.

The amendment to Gold.com’s revolving credit facility lifts commitments to $427.5 million and increases several structural limits. Larger caps on secured leases and Ownership Based Financing up to $1.1 billion can support a bigger balance sheet and more inventory-driven activity.

These changes enhance available financing tools but do not by themselves confirm higher debt levels or costs. Actual impact depends on how much of the expanded capacity Gold.com uses and the terms within the amended agreement, which is referenced as Exhibit 10.1 for full details.

false0001591588GOLD.COM, INC.00015915882026-02-132026-02-13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): February 13, 2026

GOLD.COM, INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware			001-36347	11-2464169
(State or Other Jurisdiction of Incorporation or organization)			(Commission File Number)	(IRS Employer Identification No.)
1550 Scenic Avenue Suite 150
Costa Mesa, California				92626
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 844 455-4653

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $0.01 par value		GOLD		The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01 Entry into a Material Definitive Agreement.

On February 13, 2026, Gold.com, Inc. (the "Company") entered into the Incremental Facility Agreement and First Amendment to Amended and Restated Credit Agreement (the "Credit Agreement First Amendment") with the other loan parties thereto, the lenders party thereto and CIBC Bank USA as administrative agent for the lenders.

The Credit Agreement First Amendment amends the Company’s Amended and Restated Credit Agreement, dated as of August 21, 2025 (the “Credit Agreement”), which provides for a revolving credit facility.

The Credit Agreement First Amendment, among other things: increases the Revolving Commitments under the Credit Agreement to $427.5 million; increases the limitation on secured leases to $600.0 million; increases the limitation on Ownership Based Financing to $1.1 billion; increases inventory per location and inventory in-transit limitations, and increases major counterparty limitations.

A copy of the Credit Agreement First Amendment is filed as Exhibit 10.1 to this Form 8-K, and the description of the Credit Agreement First Agreement in this Item is qualified by reference to the Exhibit.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits:

Exhibit		Description
10.1		Incremental Facility Agreement and First Amendment to Amended and Restated Credit Agreement, effective as of February 13, 2026, among the Company, the other loan parties thereto, the lenders party thereto and CIBC Bank USA as administrative agent for the lenders
104		Inline XBRL for the cover page of this Current Report on Form 8-K.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			GOLD.COM, INC.
Date:	February 18, 2026	By:	/s/ Carol Meltzer
		Name: Title:	Carol Meltzer General Counsel and Secretary

FAQ

What did Gold.com, Inc. (AMRK) change in its credit agreement?

Gold.com amended its Amended and Restated Credit Agreement to expand its revolving credit commitments to $427.5 million and adjust several financing limits. This gives the company more room to borrow and structure financing around leases, ownership-based funding, and inventory management.

How large is Gold.com’s revised revolving credit facility under the new amendment?

Under the new Incremental Facility Agreement and amendment, Gold.com’s revolving commitments increase to $427.5 million. This higher committed amount can support liquidity needs such as inventory purchases, working capital, and other general corporate purposes, subject to conditions in the amended credit agreement.

What new limits on secured leases and Ownership Based Financing did AMRK obtain?

The amendment raises Gold.com’s secured lease limitation to $600.0 million and increases its Ownership Based Financing limitation to $1.1 billion. These higher caps enable more financing structures tied to leased assets and ownership-based arrangements, which may support business growth and asset utilization.

Who is the administrative agent under Gold.com’s amended credit facility?

CIBC Bank USA serves as administrative agent for the lenders under Gold.com’s Incremental Facility Agreement and First Amendment. As administrative agent, CIBC coordinates between the company and the lender group, handling administrative tasks and enforcement of the credit agreement’s terms on behalf of the lenders.

Did Gold.com change its inventory and counterparty limits in this 8-K filing?

Yes. The amendment increases inventory per location limits, inventory in-transit limitations, and major counterparty limitations. These changes provide Gold.com more flexibility to carry and move inventory across locations and transact with larger or more concentrated trading counterparties within the credit agreement framework.

When did Gold.com’s Incremental Facility Agreement and First Amendment become effective?

The Incremental Facility Agreement and First Amendment to Gold.com’s Amended and Restated Credit Agreement are effective as of February 13, 2026. This effective date marks when the higher revolving commitments and revised financing limitations under the amended facility became operative for the company and its lenders.

Filing Exhibits & Attachments

2 documents

Agreements & Contracts

• EX-10.1 EX-10.1 3.5 MB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA WITH EMBEDDED LINKBASES DOCUMENT 24.2 KB