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Suja Life (SUJA) reworks JPMorgan loan, setting 2026 interest burden at $18M

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Suja Life, Inc. (SUJA) entered into an Amended and Restated Credit Agreement on August 20, 2026, through certain indirect subsidiaries with JPMorgan Chase Bank, N.A. as administrative agent, replacing its prior 2021 credit agreement without taking on additional debt. The principal change is a reduction in the borrowing spread, directly lowering the company’s cost of capital.

Under the new agreement, the interest rate is the Term SOFR Rate plus 1.75%, 2.00%, or 2.25% per annum, depending on Suja Life’s consolidated net leverage ratio. The company states that, as a result of this refinancing, it expects its 2026 total interest expense to be $18.0 million, improving available cash flow. Management highlights that the refinancing reflects lender confidence in the consistency of the company’s cash flow generation.

Positive

  • Refinancing lowers the borrowing spread, with the new rate at Term SOFR + 1.75%, 2.00%, or 2.25% based on leverage, reducing the company’s cost of capital.
  • Suja Life expects 2026 total interest expense of $18.0 million following the refinancing, which it states will benefit available cash flow.
  • The company states it is not taking on additional debt in this transaction, instead reducing the cost of existing indebtedness.

Negative

  • None.
Item 1.01 Entry into a Material Definitive Agreement Business
The company signed a significant contract such as a merger agreement, credit facility, or major partnership.
Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement Financial
The company incurred a new significant debt or off-balance-sheet obligation.
Item 7.01 Regulation FD Disclosure Disclosure
Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, or exhibit attachments filed with this report.
Interest rate spread Term SOFR Rate + 1.75%, 2.00%, or 2.25% per annum Applicable under the Amended and Restated Credit Agreement based on consolidated net leverage ratio
Expected 2026 total interest expense $18.0 million Company expectation following the refinancing under the Amended and Restated Credit Agreement
Organic produce processed Approximately 1 million pounds per week Through Suja Life’s vertically integrated high-pressure processing and cold-pressed beverage facility
Original credit agreement date August 23, 2021 Date of the credit agreement that was amended and restated
A&R Credit Agreement date August 20, 2026 Effective date of the Amended and Restated Credit Agreement
Amended and Restated Credit Agreement financial
"announced entry into an Amended and Restated Credit Agreement (the “A&R Credit Agreement”)"
An amended and restated credit agreement is a company’s original loan contract that has been updated and replaced by a single new document incorporating all changes. Think of it like refinancing and rewriting a mortgage so new payment schedules, interest rates, borrowing limits, or borrower obligations are combined into one clear contract. Investors care because those new terms change a company’s cash flow, borrowing flexibility and default risk, which can affect creditworthiness and share value.
Term SOFR Rate financial
"Under the A&R Credit Agreement, the applicable interest rate is the Term SOFR Rate plus"
Term SOFR rate is a forward-looking interest rate for a set period (for example one or three months) based on the overnight cost of borrowing cash using Treasury securities as collateral. Think of it as a quoted, agreed-upon lending rate for a future interval, like locking in the expected short-term borrowing cost ahead of time. Investors care because it is used to price loans, bonds and derivatives as a transparent replacement for older benchmarks, affecting interest payments and valuation.
consolidated net leverage ratio financial
"per annum based on the Company’s consolidated net leverage ratio (as defined in the A&R"
The consolidated net leverage ratio measures how much debt a company carries compared with the cash it generates from core operations, calculated by taking total borrowings minus cash and dividing by annual operating profit. Like comparing a household’s mortgage balance to its yearly income, it tells investors how many years of operating profit would be needed to pay off net debt and thus gauges financial risk, flexibility to invest, and capacity to weather downturns.
cost of capital financial
"Refinancing reduces borrowing spread and lowers the Company’s cost of capital"
The cost of capital is the average price a company pays to get money, whether by borrowing or selling shares, to run the business and fund projects. It matters to investors because it acts like a minimum hurdle: investments must deliver returns higher than this price to create value for shareholders, so comparing expected returns to the cost of capital helps judge whether growth plans will likely boost or reduce share value.
forward-looking statements regulatory
"This press release and related conference call contain forward-looking statements that are"
Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

FAQ

What did Suja Life, Inc. (SUJA) announce regarding its debt financing?
Suja Life announced an Amended and Restated Credit Agreement with JPMorgan Chase Bank, N.A., amending its 2021 credit agreement. The main change is a reduced borrowing spread, which the company states lowers its cost of capital without adding new debt.

How does the new credit agreement affect Suja Life (SUJA)’s interest rate?
Under the new agreement, Suja Life’s interest rate is the Term SOFR Rate plus 1.75%, 2.00%, or 2.25% per annum, depending on its consolidated net leverage ratio as defined in the agreement.

What interest expense does Suja Life (SUJA) expect for 2026 after the refinancing?
Suja Life states that, as a result of the refinancing, it expects its 2026 total interest expense to be $18.0 million, which it describes as an improvement that benefits available cash flow.

Does the Suja Life (SUJA) refinancing increase the company’s total debt?
The company states that it is not taking on any additional debt with this transaction. Instead, it is refinancing existing indebtedness on improved terms to reduce the cost of carrying its current debt.

Who is the administrative agent under Suja Life (SUJA)’s amended credit agreement?
The administrative agent under the Amended and Restated Credit Agreement is JPMorgan Chase Bank, N.A., which also served in that role under the company’s prior 2021 credit agreement.

What scale of operations does Suja Life (SUJA) report for its beverage facility?
Suja Life reports that its vertically integrated facility processes approximately 1 million pounds of organic produce each week, moving products from farm to bottle in as few as eight days for its beverage brands.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Understanding 8-K Material Events →
FALSE000193411400019341142026-08-202026-08-20

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): August 20, 2026
______________________________
Suja Life, Inc.
(Exact name of registrant as specified in its charter)
______________________________
Delaware001-4327339-4779189
(State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
3831 Ocean Ranch Blvd.
Oceanside,CA92056
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (855) 879-7852
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 communication 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 classTrading Symbol(s)Name of each exchange
on which registered
Class A common stock, par value $0.0001 per shareSUJAThe Nasdaq Stock Market LLC
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 August 20, 2026, certain indirect subsidiaries of the Company entered into that certain Amended and Restated Credit Agreement (the “A&R Credit Agreement”) which amends and restates the Credit Agreement, dated as of August 23, 2021, by and among Suja Life Intermediate II, LLC, Suja Life, LLC, JPMorgan Chase Bank, N.A., as administrative agent, the guarantors party thereto from time to time and the lenders party thereto from time to time.
The principal amendment effected by the A&R Credit Agreement is a reduction in the applicable interest rate. Under the A&R Credit Agreement, the interest rate is the Term SOFR Rate plus 1.75%, 2.00%, or 2.25% per annum based on the Company’s consolidated net leverage ratio (as defined in the A&R Credit Agreement).
The foregoing description of the A&R Credit Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the A&R Credit Agreement attached hereto as Exhibit 10.1 and incorporated by reference into this Item 1.01.
Item 2.03    Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
The information set forth in Item 1.01 above is incorporated by reference into this Item 2.03.
Item 7.01     Regulation FD Disclosure.
On August 20, 2026, the Company issued a press release announcing the entry into the A&R Credit Agreement. A copy of such press release is furnished as Exhibit 99.1 attached hereto and is incorporated herein by reference.
The information provided under Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1, is being furnished and is not deemed to be “filed” with the Securities and Exchange Commission 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 and is not incorporated by reference into any of the Company’s filings under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.
Item 9.01     Financial Statements and Exhibits.
(d)Exhibits
Exhibit No.Description
10.1
Amended and Restated Credit Agreement, dated as of August 20, 2026, by and among Suja Life Intermediate II, LLC, Suja Life, LLC, JPMorgan Chase Bank, N.A., as administrative agent, the guarantors party thereto from time to time and the lenders party thereto from time to time.
99.1
Press release dated August 20, 2026
104Cover Page Interactive Data File (embedded within the Inline XBRL document).


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 hereto duly authorized.
Dated:  August 20, 2026
Suja Life, Inc.
By:/s/ Jeff Pedersen
Jeff Pedersen
Chief Financial Officer



Suja Life Announces Amended and Restated Credit Agreement
Refinancing reduces borrowing spread and lowers the Company’s cost of capital
OCEANSIDE, CA, August 20, 2026 – Suja Life, Inc. (NASDAQ: SUJA) (“Suja Life,” “Suja” or the “Company”), a leading better-for-you beverage company and maker of Suja Organic, Vive Organic, and Slice Soda, today announced entry into an Amended and Restated Credit Agreement (the “A&R Credit Agreement”) with JPMorgan Chase Bank, N.A., as administrative agent, which amends and restates the Company’s existing credit agreement originally dated August 23, 2021.
Under the A&R Credit Agreement, the applicable interest rate is the Term SOFR Rate plus 1.75%, 2.00%, or 2.25% per annum based on the Company’s consolidated net leverage ratio.
“Reducing our cost of capital has been a priority for Suja Life since our IPO, reflecting a business today that supports a different lender base than the one that financed us as a private company,” said Jeff Pedersen, Chief Financial Officer of Suja Life. “We believe that the consistency of our cash flow generation gave our lenders the confidence to back this refinancing on improved terms. Importantly, we are not taking on any additional debt with this transaction, but are reducing what it costs us to carry the debt we already have. This refinancing reflects our partnership with our banks and delivers a substantial reduction in our borrowing spread, with a corresponding benefit to our available cash flow.” As a result of this refinancing, the Company expects its 2026 total interest expense to improve to $18.0 million.
About Suja Life
At Suja Life, we’re changing what beverages bring to the table. We make organic, cold-pressed juices, wellness shots, and better-for-you sodas that deliver real functional benefits, exceptional taste, and high-quality ingredients, because we believe beverages should be as delicious as they are good for you. Our three brands – Suja Organic, Vive Organic, and Slice Soda – reach consumers through thousands of retail doors nationally. We operate a vertically integrated high-pressure processing and cold-pressed beverage facility, processing approximately 1 million pounds of organic produce each week and moving from farm to bottle in as few as eight days. With category-leading brands, a dedication to operational excellence, and a proven innovation engine, Suja Life is positioned at the front of the growing natural healthy beverage space.
Contact:
ICR, Inc.
sujalife@icrinc.com
Forward-Looking Statements
This press release and related conference call contain forward-looking statements that are subject to risks and uncertainties. All statements other than statements of historical fact included in this press release and related conference call are forward-looking statements. Forward-looking statements give our current expectations and projections relating to our financial condition, results of operations, plans, objectives, future performance and business. You can identify forward-looking statements by the fact that they do not relate strictly to historical or current facts. These statements may include words such as “anticipate,” “estimate,” “expect,” “project,” “plan,” “intend,” “believe,” “may,” “will,” “should,” “can have,” “likely” and other words and terms of similar meaning in connection with any discussion of the timing or nature of future operating or financial performance or other events. For example, all statements we make relating to the Company’s reduced cost of capital as a result of the A&R Credit Agreement and the expected benefit to the Company. All forward-looking


statements are subject to risks and uncertainties that may cause actual results to differ materially from those that we expected, including: our ability to maintain compliance with the financial covenants under the A&R Credit Agreement; changes in benchmark interest rates, including the Term SOFR Rate, that could offset the benefit of a reduced borrowing spread; our ability to generate sufficient cash flow to service our indebtedness; our inability to refinance our indebtedness on favorable terms or at all in the future; general economic conditions and disruptions in credit markets that may affect the availability or cost of debt financing; and the other factors set forth in our filings with the U.S. Securities and Exchange Commission (the “SEC”).

We derive many of our forward-looking statements from our operating budgets and forecasts, which are based on many detailed assumptions. Important factors that could cause actual results to differ materially from our expectations, or cautionary statements, are disclosed under the “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections in our final prospectus filed with the SEC under Rule 424(b) on May 8, 2026 in connection with our IPO. All written and oral forward-looking statements attributable to us, or people acting on our behalf, are expressly qualified in their entirety by these cautionary statements as well as other cautionary statements that are made from time to time in our other SEC filings and public communications. You should evaluate all forward-looking statements made in this press release and related conference call in the context of these risks and uncertainties.

We caution you that the important factors referenced above may not contain all of the factors that are important to you. In addition, we cannot assure you that we will realize the results or developments we expect or anticipate or, even if substantially realized, that they will result in the consequences or affect us or our operations in the way we expect. The forward-looking statements included in this press release and related conference call are made only as of the date hereof. We undertake no obligation to update or revise any forward-looking statement as a result of new information, future events or otherwise, except as otherwise required by law.

***

References and links to websites have been provided as a convenience, and the information contained on such websites is not incorporated by reference into this press release. Suja is not responsible for the content of third-party websites.
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