EXHIBIT 10.1
AMERICAS CARMART INC
Execution Version
FIRST AMENDMENT AND LIMITED WAIVER TO CREDIT AND GUARANTY AGREEMENT
THIS FIRST AMENDMENT AND LIMITED WAIVER TO CREDIT AND GUARANTY AGREEMENT (this “Agreement”) is entered into as of June 19, 2026, by and among AMERICA’S CAR MART, INC., an Arkansas corporation (“ACM”), COLONIAL AUTO FINANCE, INC., an Arkansas corporation (“Colonial”), TEXAS CAR-MART, INC., a Texas corporation (“TCM”, and together with ACM and Colonial, the “Borrowers” and each, a “Borrower”), AMERICA’S CAR-MART, INC., a Texas corporation (the “Parent”), certain subsidiaries of the Borrowers party hereto as Guarantors, the Lenders party hereto and SILVER POINT FINANCE, LLC, as administrative agent and collateral agent (in such capacities, the “Agent”).
RECITALS
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