US Corporate Distress Financial Stress SEC Filings — March 26, 2026

26-03-2026

Ellington Credit Company (NYSE: EARN) announced the commencement of an underwritten public offering of unsecured notes due 2031 (the '2031 Notes'), rated 'BBB' by Egan-Jones Ratings Company. The net proceeds will be used for general corporate purposes, including funding purchases of additional assets and repaying short-term borrowings under reverse repurchase agreements. The notes are expected to list on the NYSE under ticker 'ELLA' within 30 days of issuance, with underwriters led by Piper Sandler & Co.

• ·Underwriters granted a 30-day option to purchase additional notes to cover overallotments.
• ·Preliminary prospectus dated March 23, 2026, filed with SEC.
• ·Fund is externally managed by an affiliate of Ellington Management Group, L.L.C.

26-03-2026

Wytec International, Inc. amended its unsecured promissory note with original principal of $625,000 held by Christopher Stuart, waiving any defaults through February 13, 2026, and extending the maturity date by up to eleven additional six-month periods (previously nine). In exchange, the company issued 124,000 warrants to Stuart to purchase 124,000 shares at $1.50 per share until December 31, 2026, with the exercise price adjustable to the greater of $1.50 or 85% of the 10-day moving average upon NASDAQ listing. This provides short-term debt relief amid ongoing liquidity challenges but introduces potential shareholder dilution.

• ·Original promissory note dated February 25, 2020, from private placement of units ($50,000 notes + 5,000 warrants each)
• ·Prior amendments to note: August 13, 2022; February 5, 2024; December 31, 2024
• ·Amendment effective February 13, 2026; filed March 26, 2026

26-03-2026

Health In Tech, Inc. (Nasdaq: HIT) announced a $7.0 million private placement (PIPE) financing, issuing 5,600,000 shares of common stock at $1.25 per share, expected to generate gross proceeds of approximately $7.0 million before fees and expenses. The PIPE is anticipated to close on or about March 27, 2026, with net proceeds allocated to expand sales distribution, advance technology development, support new product development, and general corporate purposes including working capital. Craig-Hallum Capital Group LLC served as the sole placement agent.

• ·Securities offered under Section 4(a)(2) of the Securities Act and/or Regulation D; resale registration statement to be filed with SEC
• ·Press release dated March 25, 2026; 8-K filing dated March 26, 2026

26-03-2026

Keurig Dr Pepper Inc.'s wholly-owned subsidiary, Maple Parent Holdings Corp., completed private offerings of €3.0 billion Euro Notes and $2.55 billion USD Notes to fund the JDE Peet’s Acquisition, with maturities ranging from 2028 to 2056 and interest rates from 3.495% to 6.625%. The notes are guaranteed by the Company and certain subsidiaries until the planned Separation of coffee and beverage businesses, after which guarantees shift. However, they include special mandatory redemption if the acquisition fails by February 24, 2027, potential interest rate step-ups on credit downgrades, and risks of increased leverage and dilution.

• ·Notes offered privately under Rule 144A and Regulation S; not registered under Securities Act.
• ·Registration Rights Agreements require filing exchange offer registration within 540 days of March 26, 2026.
• ·Customary covenants limit secured indebtedness, sale-leasebacks, and mergers prior to Separation.
• ·Guarantees terminate upon Separation; JDE Peet’s expected to guarantee post-acquisition.

26-03-2026

MasterBrand, Inc. executed the Second Amendment to its Amended and Restated Credit Agreement on March 26, 2026, with JPMorgan Chase Bank, N.A. as Administrative Agent and multiple lenders, modifying the agreement originally dated June 27, 2024, and first amended November 3, 2025. The amendment becomes effective upon execution by required parties, true representations and warranties, payment of a 0.05% non-refundable consent fee on consenting lenders' outstanding Revolving Commitments and 2025 Delayed Draw Term Loan Commitments, and settlement of fees and expenses. No specific changes to terms are detailed beyond reference to Annex A, with all existing obligations and liens reaffirmed.

• ·Amendment effective on first date all conditions satisfied, including execution by Borrower, Loan Parties, Administrative Agent, and Required Lenders.
• ·Existing liens and security interests remain in full force and effect.
• ·Governed by New York law.

26-03-2026

On March 20, 2026, Profusa, Inc. entered into an amendment to its Amended and Restated Promissory Note, originally issued to NorthView Sponsor I LLC with a principal sum of up to $2,500,000, extending the maturity date to December 31, 2026. This amendment provides the company additional time to repay the note, which can be prepaid at any time at the company's election. No other changes to the note terms were made.

• ·Original Promissory Note dated April 27, 2023, amended and restated January 8, 2024, and amended May 31, 2024.
• ·Amendment filed as Exhibit 10.1.

26-03-2026

Broad Street Realty, Inc. filed a voluntary petition for Chapter 7 bankruptcy on March 20, 2026, in the United States Bankruptcy Court for the District of Delaware (Case No. 26-10398-KBO), resulting in the appointment of George L. Miller as Chapter 7 Trustee to liquidate assets and pay claims, while stripping the Board of Directors and executives of authority. Additionally, Chief Financial Officer Alexander Topchy resigned effective the same date. This development signals the end of operations as a going concern.

26-03-2026

As of January 31, 2026, the Synchrony Card Issuance Trust portfolio held total transferred receivables of $11,198,047,415, comprising principal receivables of $10,707,667,225 and finance charge receivables of $490,380,190 across 9,582,686 accounts with an average balance of $1,169, average credit limit of $6,357 (18.4% utilization), and average age of 100 months. The portfolio shows strong credit quality with 95.1% current accounts and low delinquency rates (e.g., 1.9% 1-29 days), while the 12-month average monthly balance reduction rate due to returns and fraud was 1.80%; payment rates remained stable with a 2026 monthly average of 24.29% versus 23.47% in 2025. Sam's Club Dual Card represented the largest share at 26.4% of receivables.

• ·No state exceeded 5% of accounts or receivables except CA (9.3% accounts, 9.2% receivables), TX (8.0%, 8.9%), FL (8.1%, 8.0%), NY (6.4%, 5.8%), PA (5.3%, 5.0%).
• ·46.7% of receivables from accounts with VantageScore 720+, 28.0% 660-719, 18.5% 600-659, 6.7% <=599 or no score.
• ·25.5% of accounts have no balance; -0.2% credit balances.
• ·31.6% of receivables from accounts over 120 months old.

26-03-2026

Radian Group Inc., through its subsidiary Radian Mortgage Capital LLC, entered into the Second Amendment to the Master Repurchase Agreement with Everbank Bank, N.A., dated March 23, 2026, decreasing the maximum borrowing amount to $25 million from prior levels. The facility finances the acquisition of residential mortgage loans for sale or securitization, with prior amendments since April 2025 updating pricing terms. All other terms of the original April 30, 2025 agreement and the Parent Guaranty remain unchanged.

• ·Original Master Repurchase Agreement dated April 30, 2025
• ·Second Amendment filed as Exhibit 10.1

26-03-2026

Stone Point Credit Corporation entered into a Senior Secured Revolving Credit Agreement dated March 23, 2026, providing a $250,000,000 revolving credit facility with Truist Bank as Administrative Agent and joint bookrunners including Truist Securities, Inc., BofA Securities, Inc., Wells Fargo Securities, LLC, Capital One, National Association, Goldman Sachs Bank USA, and JPMorgan Chase Bank, N.A. The facility allows borrowings in USD and Agreed Foreign Currencies such as CAD, GBP, EUR, and AUD. No period-over-period financial performance data is provided in the filing.

• ·Applicable Margin: 0.875% for ABR Loans and 1.875% for Index Rate/Term Benchmark/RFR Loans if Gross Borrowing Base < 1.60 x Combined Debt Amount; otherwise 0.750% and 1.750%.
• ·Filing date: March 26, 2026; Items 1.01 (Material Definitive Agreement), 2.03 (Financial Obligation), 9.01 (Exhibits).

26-03-2026

Masco Corporation and Masco Europe S.à r.l. entered into a new Credit Agreement dated March 20, 2026, securing $1,000,000,000 in aggregate revolving commitments from lenders including JPMorgan Chase Bank, N.A., Citibank, N.A., and PNC Bank, National Association. The facility supports revolving loans, swingline loans, and letters of credit for the borrowers. No declines or flat metrics are present in the filing.

• ·Filing Date: March 26, 2026
• ·Agreement Effective Date: March 20, 2026
• ·Agents include JPMorgan Chase Bank, N.A. (U.S. Administrative Agent) and J.P. Morgan SE (Non-U.S. Administrative Agent)

26-03-2026

ESAB Corporation issued $1,000 million aggregate principal amount of 5.625% senior notes due 2031 under an indenture with U.S. Bank Trust Company, National Association, to partially fund the $1.45 billion acquisition of Eddyfi Technologies alongside proceeds from preferred stock, common stock, and revolving credit borrowings. The notes are senior unsecured obligations guaranteed by certain domestic subsidiaries, bearing semi-annual interest payments starting October 1, 2026, and maturing April 1, 2031. However, they include a special mandatory redemption provision at 100% of principal plus accrued interest if the acquisition fails to close by the outside date or the share purchase agreement is terminated.

• ·Notes redeemable prior to April 1, 2028 at 100% principal plus make-whole premium; on or after April 1, 2028 at specified prices.
• ·Up to 40% of Notes redeemable prior to April 1, 2028 with equity offering proceeds at 105.625% of principal.
• ·Change of control allows holders to require repurchase at 101% of principal.
• ·Indenture covenants restrict incurrence of additional debt, liens, guarantees, and asset sales/mergers.
• ·Events of default include 30-day interest payment default, principal payment default, covenant breaches, and bankruptcy.

26-03-2026

SSR Mining Inc. signed a definitive share purchase agreement with Cengiz Holding A.S. to sell its 80% ownership stake in the Çöpler mine and related properties in Türkiye for $1.5 billion in cash, aligned with a prior MOU announced on March 4, 2026. The transaction is expected to close in Q3 2026, providing significant cash proceeds to the company. However, closing is subject to regulatory approval from the Turkish General Directorate of Mining and Petroleum Affairs and other customary conditions, with risks including potential delays or failure to obtain approvals.

• ·Agreement signed on March 25, 2026
• ·Previous memorandum of understanding disclosed on March 4, 2026
• ·Regulatory approval required from Turkish General Directorate of Mining and Petroleum Affairs

26-03-2026

On March 20, 2026, SmartKem, Inc. entered into a securities purchase agreement with institutional investors to sell 11,365,350 shares of common stock at $0.2303 per share, generating gross proceeds of $2,617,440 before expenses. The closing is expected on or about March 26, 2026, with net proceeds intended for working capital and general corporate purposes. The offering utilizes the company's shelf registration statement on Form S-3, effective August 22, 2024.

• ·Securities registered: Common Stock, par value $0.0001 per share (SMTK on Nasdaq Stock Market LLC)
• ·Purchase Agreement filed as Exhibit 10.1; Legal opinion as Exhibit 5.1

26-03-2026

OLAPLEX Holdings, Inc. (NASDAQ: OLPX) has entered a definitive agreement to be acquired by Henkel AG & Co. KGaA for $2.06 per share in cash, representing an equity value of approximately $1.4 billion—a 55% premium over the March 25, 2026 closing price and 45% over the 30-day VWAP. The deal, approved by the board and Advent (majority shareholder), is expected to close in the second half of 2026 subject to regulatory approvals and customary conditions, after which OLAPLEX will operate under its brand but delist from Nasdaq. No financial declines noted; transaction poised to enhance innovation, global reach, and growth via Henkel's resources.

• ·Transaction approved by OLAPLEX Board and Advent via written consent; no further stockholder vote required.
• ·OLAPLEX founded in 2014; backed by Advent since 2019.
• ·Advisors: J.P. Morgan (financial), Ropes & Gray (legal) to OLAPLEX.
• ·Information statement on Schedule 14C to be filed with SEC.

26-03-2026

Wolfspeed closed private placements issuing $379 million aggregate principal amount of 3.5% Convertible 1.5 Lien Senior Secured Notes due 2031 and approximately $96.9 million of common stock and pre-funded warrants at a 10% premium over the March 18, 2026 closing price, generating aggregate gross proceeds of $475.9 million. These proceeds redeemed approximately $475.9 million (43%) of existing Senior Secured Notes due 2030, reducing total debt by approximately $97 million and expected annual interest expense by approximately $62 million. The transaction, led by T. Rowe Price and Fidelity investors, supports balance sheet strengthening and long-term silicon carbide growth, with no reported declines in financial metrics.

• ·Shares priced at $18.458 per share; Pre-Funded Warrants at $18.448 per warrant with $0.01 exercise price.
• ·Notes mature March 15, 2031; interest payable semi-annually on March 15 and September 15.
• ·Placement agents: Goldman Sachs & Co. LLC, Wells Fargo Securities, LLC, William Blair & Company L.L.C.; Financial advisor: J. Wood Capital Advisors LLC.
• ·Wolfspeed to file SEC registration statement for resale of Shares and Pre-Funded Warrant shares.

26-03-2026

Upstream Bio, Inc. entered into a Sales Agreement with Leerink Partners LLC on March 26, 2026, enabling the company to offer and sell up to $150,000,000 of its common stock through an at-the-market (ATM) offering. The agent will use commercially reasonable efforts to sell the shares and receive a commission of up to 3.0% of gross proceeds. The offering utilizes the company's effective shelf registration statement filed on November 5, 2025, with sales permitted on Nasdaq or other markets, though neither party is obligated to sell specific amounts and the agreement can be suspended or terminated.

• ·Sales Agreement attached as Exhibit 1.1.
• ·Legal opinion from Goodwin Procter LLP dated March 26, 2026, attached as Exhibit 5.1.
• ·Shelf registration on Form S-3ASR (File No. 333-291267) became effective upon filing on November 5, 2025.
• ·Prospectus supplement filed with SEC on March 26, 2026.

26-03-2026

Advantage Solutions Inc. filed a Certificate of Amendment to its Third Amended and Restated Certificate of Incorporation, approved by the Board and stockholders, implementing a one-for-25 reverse stock split of its Class A Common Stock effective 5 p.m. Eastern Time on March 26, 2026. No fractional shares will be issued; eligible holders will receive cash payments based on the Nasdaq closing price adjusted for the split. Post-split authorized shares total 198,000,000, comprising 197,400,000 Class A Common Stock (par value $0.0001) and 600,000 undesignated Preferred Stock.

• ·Reverse stock split ratio: one-for-twenty-five (each 25 shares pre-split reclassified into one share)
• ·Fractional shares handled via cash payment equal to fractional entitlement multiplied by adjusted Nasdaq closing price on Effective Time
• ·Filing executed on March 26, 2026, pursuant to Section 242 of Delaware General Corporation Law

26-03-2026

Zynex, Inc. filed its Second Amended and Restated Articles of Incorporation on March 26, 2026, authorizing only 1,000,000 shares of Common Stock with a par value of $0.001 per share. The amendments were unanimously approved by the Board of Directors and stockholders. The changes include provisions on directors, indemnification, distributions, and director/officer liability limitations.

• ·Original Articles of Incorporation filed December 31, 2001.
• ·Articles previously amended and restated on October 3, 2008.

26-03-2026

Artelo Biosciences announced strategic expansion of ART27.13 development as a potential companion therapy to GLP-1 receptor agonists for preserving muscle mass during weight reduction, supported by CAReS trial observations of improved lean body mass, independent peer-reviewed research publication, a provisional patent filing on CB2 agonism for GLP-1 muscle loss mitigation, and initiation of a preclinical study. J.P. Morgan projects the global incretin market, including GLP-1 medicines, to reach $200 billion by 2030, with 25 million Americans potentially receiving GLP-1 treatments by then. In interim CAReS data, the highest-dose ART27.13 cohort showed average weight gain of approximately 6% versus approximately 5% weight loss in placebo-treated patients.

• ·Independent research publication: 'Kinetic multiplex assay to assess biased signaling of clinical GPCR agonists' describes ART27.13 as a superagonist among 17 clinically studied CB2 agonists.
• ·Third-party fully funded clinical study planned to start in Q2 2026 to evaluate ART27.13 in glaucoma patients.
• ·Provisional patent application filed covering cannabinoid receptor agonism to prevent or mitigate muscle loss with GLP-1 therapy.

26-03-2026

HPS Corporate Lending Fund, as Collateral Manager, is involved in a transaction where the Issuer enters a Placement Agency Agreement with Scotia Capital (USA) Inc. (Scotiabank) dated March 26, 2026, to issue and sell unregistered CLO Securities secured by U.S. dollar-denominated middle market loans. Scotiabank is appointed as exclusive placement agent to use reasonable best efforts to place the Subject Securities to qualified institutional buyers and other Eligible Investors during the Offering Period, with settlement on the Closing Date. The agreement includes provisions for a Structuring and Arrangement Fee and expense reimbursement per a February 17, 2026 Engagement Letter, but no specific principal amounts or numerical terms are detailed.

• ·Preliminary Offering Circulars dated January 21, 2026 and February 18, 2026; Final Offering Circular dated March 24, 2026.
• ·Offering conducted in reliance on exemptions under Securities Act, Rule 144A, and Regulation S.
• ·Sales restricted to QIBs who are Qualified Purchasers or non-U.S. persons in offshore transactions.

26-03-2026

FiscalNote Holdings, Inc. received a NYSE delisting notice on March 25, 2026, for failing to meet Rule 802.01C as the 30-trading day average closing price of its Class A common stock fell below $1.00 per share, resulting in immediate suspension of trading for both common stock (NOTE) and warrants (NOTE.WS). The company is evaluating an appeal option but expects trading to commence on OTC Markets on March 26, 2026. The delisting does not affect ongoing business operations or SEC reporting obligations.

• ·Company has right to appeal delisting determination to NYSE Committee.
• ·Press release announcing delisting notice filed as Exhibit 99.1.
• ·Trading symbols: NOTE (common stock), NOTE.WS (warrants) on NYSE; expected on OTC Markets.

26-03-2026

Corebridge Financial, Inc. (CRBG) and Equitable Holdings, Inc. (EQH) announced a definitive all-stock merger agreement valuing the combined company at approximately $22 billion, creating a leading retirement, life, wealth, and asset management firm with over 12 million customers and $1.5 trillion in assets under management and administration. The transaction is immediately accretive to earnings per share and cash generation, expected to reach over 10% accretion by end-2028, driven by more than $500 million in run-rate expense synergies, with pro forma operating earnings over $5 billion and cash generation over $4 billion based on 2027E estimates. Corebridge shareholders will own 51% and Equitable 49% of the new entity, which will operate under the Equitable name (EQH ticker) and is slated to close by year-end 2026, subject to approvals.

• ·Corebridge common stock exchange ratio: 1.0000 shares of new parent company stock
• ·Equitable common stock exchange ratio: 1.55516 shares of new parent company stock
• ·Combined company headquartered in Houston, Texas
• ·Expected to close by year-end 2026, subject to regulatory and shareholder approvals
• ·Morgan Stanley financial advisor to Corebridge; Goldman Sachs to Equitable

26-03-2026

Corebridge Financial, Inc. (CRBG) and Equitable Holdings, Inc. (EQH) announced a definitive all-stock merger agreement valuing the combined company at approximately $22 billion, creating a leading retirement, life, wealth, and asset management firm with $1.5 trillion in assets under management and administration and over 12 million customers. The transaction is expected to be immediately accretive to earnings per share and cash generation, with over 10% EPS accretion by the end of 2028, supported by more than $500 million in run-rate expense synergies, $5 billion in pro-forma 2027E operating earnings, and over $4 billion in cash generation. Corebridge shareholders will own approximately 51% of the combined company, which will operate under the Equitable name (EQH ticker) and be headquartered in Houston, with Marc Costantini as CEO.

• ·Transaction exchange ratio: 1.0000 share of new parent for each Corebridge share; 1.55516 shares for each Equitable share.
• ·Expected close by year-end 2026, subject to regulatory and shareholder approvals.
• ·Joint conference call held March 26, 2026, at 8:00 a.m. EDT.
• ·Financial advisors: Morgan Stanley for Corebridge, Goldman Sachs for Equitable.

26-03-2026

Cantor Equity Partners I, Inc. (CEPO), a SPAC, entered into Amendment No. 1 to its Business Combination Agreement originally dated July 16, 2025, effective as of March 25, 2026, with BSTR Holdings, Inc. (Pubco), BSTR Newco, LLC (Newco), and BSTR Holdings (Cayman) (Seller). The amendment deletes and replaces Section 8.14 of the BCA, stipulating that the post-closing Pubco board of directors will consist of seven persons: six designated by the Seller (at least three qualifying as independent under Nasdaq rules) plus the Pubco CEO, with officers to be appointed as mutually agreed. The amendment does not alter financial terms or other substantive transaction economics.

• ·Original Business Combination Agreement dated July 16, 2025.
• ·Amendment executed in accordance with Section 12.9 of the BCA.
• ·Post-Closing Pubco Officers listed in Annex A to the BCA (not provided in filing excerpt).

26-03-2026

MeiraGTx announced FDA Breakthrough Therapy Designation for AAV2-hAQP1 in treating Grade 2/3 radiation-induced xerostomia, adding to prior RMAT status, with Phase 2 data expected to support BLA in H1 2027; strategic collaborations with Lilly ($75M upfront, >$400M milestones) and Hologen ($200M upfront, up to $230M committed funding) provided non-dilutive capital. FY2025 financials included $75M license revenue but service revenue declined 81% YoY to $6.4M from $33.3M due to completed J&J PPQ work, R&D expenses rose 8% to $129.6M, and cash fell 35% to $68.2M from $105.7M, though net loss improved 23% to $114.2M from $147.8M.

• ·Debt obligations: $25M due June 2026 and $50M due May 2027 to Perceptive.
• ·Potential near-term milestones: $135M from Lilly, $285M from J&J upon bota-vec commercial sales and manufacturing approvals.
• ·FDA alignments: RMAT for AAV-GAD; Fast Track, Orphan for bota-vec (US); PRIME, ATMP, Orphan (EU).

26-03-2026

ADDENTAX GROUP CORP. (ATXG) filed an 8-K on March 26, 2026, reporting under Items 3.03 (material modifications to rights of security holders), 5.03 (amendments to charter or bylaws), 7.01 (Regulation FD disclosure), and 9.01 (financial statements and exhibits). The filing is categorized under Charter/Bylaws Amendments as a material event. No financial metrics or period-over-period comparisons are detailed in the provided filing metadata.

• ·Company CIK: 0001650101
• ·SIC: 7330 (Services-Mailing, Reproduction, Commercial Art & Photography)
• ·Business address: Kingkey 100, Block A, Room 4805, Luohu District, Shenzhen City F4 518000
• ·Fiscal year end: March 31

26-03-2026

Peapack-Gladstone Financial Corporation announced a $50 million preferred stock commitment from affiliates of Strategic Value Bank Partners, consisting of an initial $30 million private placement of non-cumulative perpetual convertible preferred stock at a 6.00% dividend rate, with up to an additional $20 million issuable through the end of 2027. The stock is non-callable for five years, convertible to common stock thereafter at the holder's option, and expected to qualify as Tier 1 capital, with proceeds allocated to general corporate purposes including growth, investments, acquisitions, and debt reduction. The company reported total assets of $7.5 billion and assets under management/administration of $13.1 billion as of December 31, 2025.

• ·Preferred stock is non-callable for the first five years and thereafter redeemable subject to terms.
• ·Issuance not listed on any securities exchange.
• ·Commitment reflects investor confidence in management's strategy for private banking and wealth management in New York metropolitan market.

26-03-2026

On March 25, 2026, Cambium Networks Corporation received a notice from the Nasdaq Hearings Panel determining to delist its Ordinary Shares (CMBM) due to failure to comply with a prior decision, with trading suspension effective at the open on March 27, 2026. The Company is considering an appeal to the Nasdaq Listing and Hearing Review Council, but it would not stay the suspension, and shares are expected to trade on the OTCID market under CMBM, potentially materially adversely affecting trading price and volume. A press release announcing the delist determination was issued on March 26, 2026.

• ·Principal executive offices: c/o Cambium Networks, Inc., 2000 Center Drive, Suite East A401, Hoffman Estates, Illinois 60192
• ·Registrant’s telephone: 345 814-7600
• ·Securities registered: Ordinary shares, $0.0001 par value, CMBM on Nasdaq Global Market

26-03-2026

On March 20, 2026, Diameter Credit Company Holdings II LLC, a wholly-owned subsidiary of Diameter Credit Company, entered into the Fourth Amendment to its Loan and Servicing Agreement (DCC Holdings II Secured Credit Facility). The amendment reduces the interest rate spread over the Applicable Reference Rate to 2.00% per annum during the Revolving Period and 2.50% per annum during the Amortization Period, extends the maturity date from April 19, 2029, to March 20, 2031, and permits the sale of assets to certain permitted securitizations. These changes improve financing terms with no reported drawbacks.

• ·Previous amendments: First on September 11, 2024; Second on October 2, 2024; Third on January 23, 2025.
• ·Original agreement dated April 19, 2024.
• ·Exhibit 10.1: Fourth Amendment filed with the 8-K.

26-03-2026

Jack Henry & Associates, Inc. entered into a new $1.0 billion five-year revolving unsecured Credit Agreement on March 25, 2026, replacing its prior $600 million facility that was set to mature on August 31, 2027. Approximately $80 million outstanding under the prior agreement was refinanced with no early termination penalties. The new facility supports refinancing, capital expenditures, share repurchases, and general corporate purposes, subject to standard covenants including a maximum Net Leverage Ratio of 3.50 to 1.00 (step-up to 4.00 to 1.00 for four quarters following acquisitions >= $100 million).

• ·Interest rate options: adjusted Term SOFR or alternate base rate (highest of 0.00%, U.S. Bank prime rate, Federal Funds Rate +0.50%, or one-month adjusted Term SOFR +1.00%), plus applicable percentage based on leverage ratio
• ·Financial covenants: minimum Consolidated EBITDA to Consolidated Interest Expense ratio of 3.50 to 1.00
• ·Guaranteed by Company's wholly owned Material Domestic Subsidiaries
• ·Prior Credit Agreement dated August 31, 2022