<SEC-DOCUMENT>0001437749-24-023401.txt : 20240725
<SEC-HEADER>0001437749-24-023401.hdr.sgml : 20240725
<ACCEPTANCE-DATETIME>20240725060045
ACCESSION NUMBER:		0001437749-24-023401
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240725
DATE AS OF CHANGE:		20240725

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlanticus Holdings Corp
		CENTRAL INDEX KEY:			0001464343
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				582336689
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-279345
		FILM NUMBER:		241139618

	BUSINESS ADDRESS:	
		STREET 1:		FIVE CONCOURSE PARKWAY
		STREET 2:		SUITE 300
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30328
		BUSINESS PHONE:		770-828-2000

	MAIL ADDRESS:	
		STREET 1:		FIVE CONCOURSE PARKWAY
		STREET 2:		SUITE 300
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30328

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CompuCredit Holdings Corp
		DATE OF NAME CHANGE:	20090515

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlanticus Holdings Corp
		CENTRAL INDEX KEY:			0001464343
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				582336689
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		FIVE CONCOURSE PARKWAY
		STREET 2:		SUITE 300
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30328
		BUSINESS PHONE:		770-828-2000

	MAIL ADDRESS:	
		STREET 1:		FIVE CONCOURSE PARKWAY
		STREET 2:		SUITE 300
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30328

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CompuCredit Holdings Corp
		DATE OF NAME CHANGE:	20090515
</SEC-HEADER>
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<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: right; margin: 0pt;">Issuer Free Writing Prospectus</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: right; margin: 0pt;">Filed pursuant to Rule 433</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: right; margin: 0pt;">Registration No. 333-279345</p>

<p style="text-align:center;font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<div style="text-align: center;"><img alt="atl01.jpg" src="atl01.jpg"></div>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Atlanticus Holdings Corporation</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>9.25% Senior Notes due 2029 </b>(constituting a further issuance of the 9.25% Senior Notes due 2029, of which $57,250,000 aggregate principal amount was previously issued)</p>

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			<p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Term Sheet</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Term Sheet dated July 24, 2024 to the Preliminary Prospectus Supplement dated July 23, 2024 of Atlanticus Holdings Corporation. This Term Sheet is qualified in its entirety by reference to the Preliminary Prospectus Supplement. The information in this Term Sheet supplements the Preliminary Prospectus Supplement and supersedes the information in the Preliminary Prospectus Supplement to the extent it is inconsistent with the information in the Preliminary Prospectus Supplement. Capitalized terms used in this Term Sheet but not defined have the meanings given to them in the Preliminary Prospectus Supplement.</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Issuer</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Atlanticus Holdings Corporation</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Title of Securities</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">9.25% Senior Notes Due 2029 (the &#8220;Notes&#8221;)</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Type:</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">SEC Registered</p>
			</td>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Description:</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">The Notes constitute a further issuance of the Issuer&#8217;s 9.25% Senior Notes due 2029, of which $57,250,000 aggregate principal amount was previously issued (the &#8220;Existing Notes&#8221;). Upon settlement, the Notes will have the same CUSIP and will trade interchangeably with the Existing Notes. We expect the Notes to be fungible for U.S. federal income tax purposes with the Existing Notes. Immediately after giving effect to this offering, the total amount outstanding of our 9.25% Senior Notes due 2029 will be $112,250,000, assuming no exercise of the Option described below.</p>
			</td>
		</tr>
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			<td style="vertical-align:top;width:21.3%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Trade Date</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">July 25, 2024</p>
			</td>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Settlement Date</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">July 26, 2024</p>
			</td>
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			<td style="vertical-align:top;width:21.3%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Listing</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">NASDAQ &#8220;ATLCZ&#8221;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Size</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">$55,000,000 principal amount</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Option</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Up to $8,250,000&nbsp;principal amount</p>
			</td>
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			<td style="vertical-align:top;width:21.3%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Maturity Date</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">January 31, 2029</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Rating</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">The Notes have received an &#8220;A&#8221;&nbsp;rating from Egan-Jones, an independent, unaffiliated rating agency. Ratings are not a recommendation to purchase, hold or sell notes, inasmuch as the ratings do not comment as to market price or suitability for a particular investor. The ratings are based upon current information furnished to the rating agency by the Issuer and information obtained by the rating agency from other sources. The ratings are only accurate as of the date thereof and may be changed, superseded or withdrawn as a result of changes in, or unavailability of, such information, and therefore a prospective purchaser should check the current ratings before purchasing the Notes. Each rating should be evaluated independently of any other rating.</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Annual Coupon:</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">9.25%, paid quarterly in arrears</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Interest Payment Dates</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">January 15, April 15, July 15 and October 15, commencing October 15, 2024, and at maturity</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Price to the Public per Note</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">$24.70</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Day Count</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">30/360</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Optional Redemption</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">We may redeem the Notes for cash in whole or in part at any time at our option. Prior to January 31, 2026, the redemption price will be $25.00 per $25.00 principal amount of Notes, plus a &#8220;make-whole&#8221;&nbsp;premium calculated as described in the Preliminary Prospectus Supplement. Thereafter, we may redeem the Notes for cash (i) on or after January 31, 2026 and prior to January 31, 2027 at a price equal to $25.50 per $25.00 principal amount of Notes, (ii) on or after January 31, 2027 and prior to January 31, 2028 at a price equal to $25.25 per $25.00 principal amount of Notes, and (iii) on or after January 31, 2028 at a price equal to $25.00 per $25.00 principal amount of Notes, plus (in each case noted above) accrued and unpaid interest to, but excluding, the date of redemption.</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Minimum Denomination/Multiples</b></p>

			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Purchase of the Notes Upon Delisting Event</b></p>
			</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">$25.00/$25.00</p>

			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Upon the occurrence of a Delisting Event, the Company must offer to purchase the Notes at 100% of their principal amount, plus accrued and unpaid interest, if any, to but excluding the date of the purchase.</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>CUSIP/ISIN</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">04914Y 409 / US04914Y4098</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Book-Running Managers</b></p>
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			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">B. Riley Securities, Inc.</p>
			</td>
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			<td style="vertical-align:top;width:21.3%;">&nbsp;</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Janney Montgomery Scott LLC</p>
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			<td style="vertical-align:top;width:21.3%;">&nbsp;</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Lucid Capital Markets, LLC</p>
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			<td style="vertical-align:top;width:21.3%;">&nbsp;</td>
			<td style="vertical-align:top;width:32.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">William Blair &amp; Company, L.L.C.</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Co-Managers</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">A.G.P./Alliance Global Partners</p>

			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Clear Street LLC</p>
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<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>This communication is intended for the sole use of the person to whom it is provided by the issuer.</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">The issuer has filed a registration statement (including a base prospectus dated May 21, 2024) and a preliminary prospectus supplement dated July 23, 2024 with the Securities and Exchange Commission (&#8220;SEC&#8221;) for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>You may get these documents for free by visiting EDGAR on the SEC Web site at </b><b><i>www.sec.gov.</i></b><b> Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus and related preliminary prospectus supplement if you request them from B. Riley Securities, Inc. at 1300 17th Street, Suite 1300, Arlington, VA 22209, or by calling (703) 312-9580, or by emailing prospectuses@brileyfin.com.</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>ANY DISCLAIMERS OR OTHER NOTICES THAT MAY APPEAR BELOW ARE NOT APPLICABLE TO THIS COMMUNICATION AND SHOULD BE DISREGARDED. SUCH DISCLAIMERS OR OTHER NOTICES WERE AUTOMATICALLY GENERATED AS A RESULT OF THIS COMMUNICATION BEING SENT VIA BLOOMBERG OR ANOTHER E-MAIL SYSTEM.</b></p>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
