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Vroom extends warehouse credit facility to Sept. 2026

Vroom, Inc. (VRM) reports that its wholly owned subsidiaries United Auto Credit Corporation (UACC) and UACC Auto Financing Trust V entered into Amendment No. 11 to the Amended and Restated Warehouse Agreement that governs its Warehouse Credit Facility.

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

Rhea-AI Filing Summary

Vroom, Inc. (VRM) reports that its wholly owned subsidiaries United Auto Credit Corporation (UACC) and UACC Auto Financing Trust V entered into Amendment No. 11 to the Amended and Restated Warehouse Agreement that governs its Warehouse Credit Facility. The amendment extends the Commitment Termination Date from August 28, 2026 to September 30, 2026. All other material terms of the Warehouse Credit Facility remain unchanged, and Capital One, N.A. continues to act as administrative agent.

Positive

  • None.

Negative

  • None.
Item 8.01 Other Events Other
Voluntary disclosure of events the company deems important to shareholders but not covered by other items.
Previous Commitment Termination Date August 28, 2026 Original Commitment Termination Date under the Warehouse Credit Facility before Amendment No. 11
New Commitment Termination Date September 30, 2026 Extended Commitment Termination Date under Amendment No. 11 to the Warehouse Credit Facility
Amendment Number Amendment No. 11 Latest amendment to the Amended and Restated Warehouse Agreement dated March 29, 2021
Warehouse Agreement Date March 29, 2021 Date of the original Amended and Restated Warehouse Agreement
Warehouse Credit Facility financial
"entered into Amendment No. 11 to that certain Amended and Restated Warehouse Agreement ... (the “Warehouse Credit Facility”)"
A warehouse credit facility is a short-term loan line companies use to finance inventory, goods in transit, or newly made loans until those assets are sold, bundled, or converted into longer-term funding. Think of it as a temporary checkbook that keeps operations moving by covering costs upfront; investors watch it because heavy reliance or difficulty renewing the facility can signal liquidity stress, higher funding costs, or risk to future sales and cash flow.
Commitment Termination Date financial
"Amendment No. 11 extends the Commitment Termination Date from August 28, 2026 to September 30, 2026"
Amended and Restated Warehouse Agreement financial
"Amendment No. 11 to that certain Amended and Restated Warehouse Agreement, dated as of March 29, 2021"
administrative agent financial
"the agents party thereto, and Capital One, N.A., as administrative agent"
An administrative agent is a bank or financial firm appointed to handle the day-to-day paperwork and communication for a group of lenders on a loan or credit agreement, acting as the central point for collecting payments, distributing funds, monitoring covenants, and sharing information. For investors, the administrative agent matters because it influences how quickly lenders receive updates, how smoothly repayments and waivers are handled, and how effectively the lending group enforces terms — think of it as a property manager coordinating tasks for multiple owners.

FAQ

What did Vroom, Inc. (VRM) change in its Warehouse Credit Facility?
Vroom’s subsidiaries UACC and UACC Auto Financing Trust V executed Amendment No. 11 to the Amended and Restated Warehouse Agreement, extending the Commitment Termination Date of the Warehouse Credit Facility from August 28, 2026 to September 30, 2026, with all other material terms unchanged.

Which Vroom (VRM) entities are parties to the amended Warehouse Credit Facility?
The parties include Vroom’s wholly owned subsidiaries United Auto Credit Corporation (UACC) and UACC Auto Financing Trust V, the lenders party to the agreement, the agents party to the agreement, and Capital One, N.A. as administrative agent.

What is the new Commitment Termination Date for Vroom’s (VRM) Warehouse Credit Facility?
Amendment No. 11 sets the new Commitment Termination Date for Vroom’s Warehouse Credit Facility at September 30, 2026, extended from the prior date of August 28, 2026.

Did Vroom (VRM) change any other material terms of the Warehouse Credit Facility?
No. Vroom states that, aside from extending the Commitment Termination Date to September 30, 2026, all other material terms of the Warehouse Credit Facility remain unchanged.

Who is the administrative agent under Vroom’s (VRM) Warehouse Credit Facility?
Capital One, N.A. is identified as the administrative agent under the Amended and Restated Warehouse Agreement that governs Vroom’s Warehouse Credit Facility.

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

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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 26, 2026

____________________

VROOM, INC.

(Exact name of registrant as specified in its charter)

____________________

Delaware

001-39315

90-1112566

(State or other jurisdiction
of incorporation or organization)

(Commission
File Number)

(IRS Employer
Identification No.)

4700 Mercantile Dr.

Fort Worth, Texas 76137

(Address of principal executive offices) (Zip Code)

(917) 451-9855
(Registrant’s telephone number, including area code)

N/A

(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, $0.001 par value per share

 

VRM

 

The Nasdaq Global Market

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 ☐

1

 

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 8.01 Other Events.

 

Amendment to Warehouse Credit Facility

On August 26, 2026, Vroom, Inc.’s (the “Company’s”) wholly-owned subsidiaries United Auto Credit Corporation (“UACC”) and UACC Auto Financing Trust V (the “Trust V”), entered into Amendment No. 11 (“Amendment No. 11”) to that certain Amended and Restated Warehouse Agreement, dated as of March 29, 2021 (as amended, the “Warehouse Credit Facility”), by and among the Trust V, as borrower, UACC, as servicer, custodian, and sole certificate holder, the lenders party thereto, the agents party thereto, and Capital One, N.A., as administrative agent. Amendment No. 11 extends the Commitment Termination Date (as defined in Warehouse Credit Facility) from August 28, 2026 to September 30, 2026. All other material terms of the Warehouse Credit Facility remain unchanged.

 

 

2

 

SIGNATURE

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.

Dated: August 28, 2026

VROOM, INC.

 

By:

 /s/ Thomas H. Shortt

 

Name: Thomas H. Shortt

 

Title: Chief Executive Officer

 

 

Source: View Original Filing on SEC EDGAR

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