Welcome to our dedicated page for Vroom SEC filings (Ticker: VRM), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Vroom, Inc. (VRM) files a range of documents with the U.S. Securities and Exchange Commission that shed light on its role as a holding company for United Auto Credit Corporation (UACC) and CarStory, as well as its capital structure, financing arrangements and restructuring activities. These SEC filings include annual and quarterly reports, along with numerous current reports on Form 8-K describing material events.
For Vroom, Form 8-K filings are especially important. The company has used 8-Ks to disclose its entry into note purchase agreements for convertible notes and senior secured delayed draw notes, amendments to warehouse credit facilities and loan and security agreements, and the terms of its Restructuring Support Agreement. Other 8-Ks report the completion of its recapitalization, emergence from a prepackaged Chapter 11 case, changes to its capital structure, and updates on the relisting of its common stock on the Nasdaq Global Market under the symbol VRM and the trading of its warrants under the symbol "VRMMW".
Vroom’s periodic reports, such as Forms 10-K and 10-Q referenced in its news releases, provide segment-level disclosures for UACC and CarStory, detailed discussions of interest income and expenses, realized and unrealized losses, noninterest income categories, and expenses including compensation, professional fees and software and IT costs. These filings also discuss risk factors, fresh-start accounting following the January 14, 2025 emergence from Chapter 11, and the distinction between Predecessor and Successor reporting periods.
On this SEC filings page, users can review Vroom’s regulatory history, including disclosures about warehouse credit facilities, asset-backed securitizations, convertible notes, and other obligations. Stock Titan’s tools can surface key items from lengthy filings, helping readers quickly identify material definitive agreements, new financing commitments, recapitalization terms and other events that affect Vroom’s financial position and equity structure.
Insider sale to cover tax withholding: Vroom, Inc. reporting person Jacob S. Benzaquen, Principal Accounting Officer, disposed of 10,322 shares of Common Stock on 09/15/2025 to satisfy tax withholding obligations arising from vesting equity awards. The filing shows a weighted average sale price of $26.0677, with transaction prices ranging from $26.0466 to $26.1719. The disposal is reported as a direct sale and was signed by an attorney-in-fact on 09/17/2025. No derivative transactions or other purchases are reported in this Form 4.
Vroom, Inc. filed a Form D reporting a Regulation D exempt offering under Rule 506(b). The filing states a total offering amount of $10,000,000, with $10,000,000 sold and $0 remaining. The offering reports a first sale date of 2025-08-29. The issuer is incorporated in Delaware and lists its principal place of business in Fort Worth, Texas. No sales commissions or finders’ fees were paid and no proceeds were paid to executive officers, directors, or promoters. The filing indicates one investor has invested to date and the issuer does not intend the offering to last more than one year.
Vroom, Inc. (VRM) insiders purchased convertible senior notes in a private placement. The reporting person and Annox Capital, LLC each acquired $5,000,000 principal of 5.000% Senior Convertible Notes due 2030, each note convertible at $35 per share into 142,857 shares of common stock. The Notes are immediately convertible, in whole or in part, at the holders' option, and each instrument converts into common stock with an expiration of 08/29/2030. The reporting person is a director and the managing member of Annox Capital, LLC and disclaims beneficial ownership of Annox-held securities except to the extent of any pecuniary interest. The filing reports both a direct acquisition and an acquisition held of record by Annox Capital, LLC.
Vroom, Inc. entered into a private financing on August 29, 2025, by selling $10,000,000 aggregate principal amount of 5.000% Convertible Notes due 2030 to Annox Capital, LLC and Robert J. Mylod, Jr. The company will receive cash from this note sale to support its long-term business strategy.
Each Purchaser is buying $5,000,000 of notes, which are immediately convertible at the holder’s discretion into common stock at a conversion price of $35 per share. The notes and the underlying conversion shares were issued in a private placement relying on exemptions from registration under Section 4(a)(2) and Rule 506 of Regulation D, with the Purchasers representing that they are accredited investors and are investing with an investment intent.
Vroom, Inc. reported that its subsidiaries United Auto Credit Corporation and United Auto Financing Trust V entered into an amendment and restatement of their revolving warehouse credit agreement with Capital One and other parties. The amendment renews this warehouse credit facility and pushes the maturity date out to July 25, 2027, helping keep this source of funding in place for a longer period. While the aggregate borrowing capacity and other material terms remain the same, the facility now has a lower advance rate and higher tangible net worth and minimum liquidity requirements, which tighten the conditions Vroom must meet to borrow. The amendment also sets a funding termination date of August 28, 2026, after which no new borrowings can be made, and outstanding amounts could become due earlier if certain events of default or termination events occur.
Bank of America Corporation reports beneficial ownership of 250,529 shares of Vroom, Inc. common stock, equal to about 4.9% of the class. The filing shows shared voting power of 250,462 shares and shared dispositive power of 250,529 shares, with no sole voting or dispositive power reported. The filer certifies these securities are held in the ordinary course of business and not to influence control of the issuer.
The Schedule 13G/A is filed on behalf of Bank of America and its wholly owned subsidiaries, including BofA Securities, Bank of America N.A., and Merrill Lynch Pierce Fenner & Smith.