<SEC-DOCUMENT>0001171843-18-008439.txt : 20181214
<SEC-HEADER>0001171843-18-008439.hdr.sgml : 20181214
<ACCEPTANCE-DATETIME>20181214113800
ACCESSION NUMBER:		0001171843-18-008439
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20171025
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20181214
DATE AS OF CHANGE:		20181214

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAS CARMART INC
		CENTRAL INDEX KEY:			0000799850
		STANDARD INDUSTRIAL CLASSIFICATION:	RETAIL-AUTO DEALERS & GASOLINE STATIONS [5500]
		IRS NUMBER:				630851141
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		8-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14939
		FILM NUMBER:		181234929

	BUSINESS ADDRESS:	
		STREET 1:		802 SOUTHEAST PLAZA AVE.
		STREET 2:		SUITE 200
		CITY:			BENTONVILLE
		STATE:			AR
		ZIP:			72712
		BUSINESS PHONE:		(479) 464-9944

	MAIL ADDRESS:	
		STREET 1:		802 SOUTHEAST PLAZA AVE.
		STREET 2:		SUITE 200
		CITY:			BENTONVILLE
		STATE:			AR
		ZIP:			72712

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN GROUP INC /TX/
		DATE OF NAME CHANGE:	19971022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN CASINO CORP
		DATE OF NAME CHANGE:	19931104

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SKYLINK AMERICA INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K/A
<SEQUENCE>1
<FILENAME>f8ka_121418.htm
<DESCRIPTION>FORM 8-K/A
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<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="font-size: 12pt"><B>UNITED STATES</B></FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="font-size: 12pt"><B>SECURITIES AND EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">Washington D.C. 20549</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="font-size: 12pt"><B>FORM 8-K/A</B></FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="font-size: 12pt"><B>(Amendment No. 1)</B></FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="font-size: 12pt"><B>CURRENT REPORT </B></FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><B>Pursuant to Section 13 or 15(d) of the Securities Exchange Act
of 1934</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">Date of Report (Date of earliest event reported): <B>October 25,
2017</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="font-size: 14pt"><B>AMERICA&rsquo;S CAR-MART, INC.</B></FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">(Exact name of registrant as specified in its charter)</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR>
    <TD STYLE="width: 33%; text-align: center"><B>Texas</B></TD>
    <TD STYLE="width: 34%; text-align: center"><B>0-14939</B></TD>
    <TD STYLE="width: 33%; text-align: center"><B>63-0851141</B></TD></TR>
<TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(State or other jurisdiction of incorporation)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Commission File Number)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(I.R.S. Employer Identification No.)</FONT></TD></TR>
</TABLE>
<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><B>802 SE Plaza Avenue, Suite 200, Bentonville, Arkansas 72712</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">(Address of principal executive offices, including zip code)</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><B>(479) 464-9944</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">(Registrant&rsquo;s telephone number, including area code)</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">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:</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">[&nbsp;&nbsp;] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">[&nbsp;&nbsp;] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">[&nbsp;&nbsp;] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">[&nbsp;&nbsp;] Pre-commencement communications pursuant to Rule 13e-4(c) under
the Exchange Act (17 CFR 240.13e-4(c))</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging growth company as defined
in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule&nbsp;12b-2&nbsp;of the Securities Exchange Act of 1934
(17 CFR&nbsp;&sect;240.12b-2).</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">Emerging growth company [&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">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. [&nbsp;&nbsp;&nbsp;]</P>


<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0; text-indent: 11.75in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: -0.75in; margin: 0pt 0 0pt 0.75in"></P>

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<P STYLE="font-size: 10pt; text-align: justify; text-indent: -0.75in; margin: 0pt 0 0pt 0.75in"><B>Explanatory Note</B></P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">This Amendment No. 1 to Form 8-K (this &ldquo;Form 8-K/A&rdquo;),
which amends the Current Report on Form 8-K of America&rsquo;s Car-Mart, Inc. (the &ldquo;Company&rdquo;) originally filed with
the Securities and Exchange Commission (the &ldquo;Commission&rdquo;) on October 30, 2017 (the &ldquo;Original Report&rdquo;),
is being filed to correct an inadvertent error in the percentage of the fourth pricing tier for determining the applicable interest
rate of the Company&rsquo;s amended credit facility as disclosed in the Original Report. Specifically, the Original Report included
the sentence: &ldquo;The Amendment also adds a fourth pricing tier at LIBOR plus 2.875%, based on the Company&rsquo;s consolidated
leverage ratio if greater than 1.75:1.00 for the preceding fiscal quarter.&rdquo; The sentence has been amended to state the following:
&ldquo;The Amendment also adds a fourth pricing tier at LIBOR plus 3.00%, based on the Company&rsquo;s consolidated leverage ratio
if greater than 1.75:1.00 for the preceding fiscal quarter.&rdquo;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">The fourth pricing tier was not at the time of the Original Report,
and has not been at any time subsequent to the Original Report, the applicable pricing tier for determining the Company&rsquo;s
applicable interest rate under its credit facility. Therefore, this Form 8-K/A does not impact the current applicable interest
rate under the credit facility as disclosed in the Original Report or in our subsequent filings.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">Except as described above, no other changes have been made to the
Original Report. We have restated the entire filing for convenience to the reader. This Form 8-K/A does not does reflect subsequent
events that may have occurred since the date of the Original Report.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 49.5pt"><B>Item 1.01.</B></TD><TD><B>Entry into a Material Definitive Agreement.</B></TD></TR></TABLE>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">On October 25, 2017, America&rsquo;s Car-Mart, Inc.,
a Texas corporation (the &ldquo;Company&rdquo;), and its subsidiaries, Colonial Auto Finance, Inc., an Arkansas corporation (&ldquo;Colonial&rdquo;),
America&rsquo;s Car Mart, Inc., an Arkansas corporation (&ldquo;ACM&rdquo;), and Texas Car-Mart, Inc., a Texas corporation (&ldquo;TCM&rdquo;),
entered into Amendment No. 1 to the Second Amended and Restated Loan and Security Agreement (&ldquo;Agreement&rdquo;), dated as
of December 12, 2016, by and among the Company, Colonial, ACM, TCM and a group of lenders.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">Amendment No. 1 to the Agreement (the &ldquo;Amendment&rdquo;)
amends the definition of &ldquo;Permitted Distributions&rdquo;. The Amendment (i) increases the aggregate limit on repurchases
beginning with the effective date of the Agreement to $50 million, net of proceeds received from the exercise of stock options,
plus for a period of six months, the amount of repurchases available to the Company immediately prior to the effective date of
the Amendment (net of proceeds received from exercise of stock options), and (ii) reduces the upper threshold to 20% from 25% for
minimum net availability of the borrowing base for financial covenant testing and limitations on distributions.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">The Amendment also provides for a 0.025% decrease in
the second pricing tier and a 0.125% decrease in the third pricing tier for determining the applicable interest rate. The Amendment
also adds a fourth pricing tier at LIBOR plus 3.00%, based on the Company&rsquo;s consolidated leverage ratio if greater than 1.75:1.00
for the preceding fiscal quarter. The Amendment does not change the first pricing tier. Pricing tiers are based on the Company&rsquo;s
consolidated leverage ratio for the preceding fiscal quarter. The current applicable interest rate is in the second pricing tier
under the Amendment which is generally LIBOR plus 2.35%.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">The Amendment also increases the termination fee to 0.5%
of the revolver commitment being terminated.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">Borrowings continue to be secured primarily by accounts
receivable and inventory for the respective subsidiaries.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt">The descriptions above are summaries and are qualified
in their entirety by Amendment No. 1, which is filed as an exhibit to this report and is incorporated herein by reference.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 49.5pt"><B>Item 2.03.</B></TD><TD STYLE="text-align: justify"><B>Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
of a Registrant.</B></TD></TR></TABLE>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: -49.5pt; margin: 0pt 0 0pt 49.5pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0pt; margin: 0pt 0 0pt 49.5pt">The information set forth above under
Item 1.01 is hereby incorporated by reference into this Item 2.03.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 49.5pt"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 49.5pt">Item 9.01.</TD><TD>Financial Statements and Exhibits</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0pt; margin: 0pt 0 0pt 49.5pt">(d) Exhibits.</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.5pt"></TD><TD STYLE="width: 25pt">4.1</TD><TD STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/799850/000117184316013671/exh_41.htm">Second Amended and Restated Loan and Security Agreement dated December 12, 2016, among America&rsquo;s
Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., an Arkansas corporation, America&rsquo;s Car Mart,
Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions,
as Lenders, with Bank of America N.A., as Agent, Lead Arranger and Book Manager (Incorporated by reference to Exhibit 4.1 to the
Company&rsquo;s Current Report on Form 8-K filed with the SEC on December 15, 2016).</A></TD></TR></TABLE>


<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.5pt"></TD><TD STYLE="width: 25pt">4.2</TD><TD STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/799850/000117184317006370/exh_42.htm">Amendment No. 1 to Second Amended and Restated Loan and Security Agreement dated October 25, 2017,
among America&rsquo;s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., an Arkansas corporation, America&rsquo;s
Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions,
as Lenders, with Bank of America N.A., as Agent, Lead Arranger and Book Manager (Incorporated by reference to Exhibit 4.2 to the
Company&rsquo;s Current Report on Form 8-K filed with the SEC on October 30, 2017).</A></TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 0"></P>

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<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 0">SIGNATURES</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">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.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0; text-indent: 3in"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 14pt">America&rsquo;s Car-Mart, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">Date:&nbsp;&nbsp;December 14, 2018</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1pt solid">/s/ Vickie D. Judy</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Vickie D. Judy</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Chief Financial Officer and Secretary</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">(Principal Financial Officer)</TD></TR>
</TABLE>
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