{"filing":{"accession_number":"0001193125-26-296552","cik":"0001580864","ticker":"VRMWW","company_name":"Vroom, Inc.","form":"8-K","filing_date":"2026-07-06","report_date":null,"primary_document":"vrm-20260630.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1580864/000119312526296552/vrm-20260630.htm"},"events":[{"id":16277,"run_id":14527,"accession_number":"0001193125-26-296552","anchor_item_number":"1.01","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.7,"summary":"Vroom entered into Amendment No. 29 to its warehouse credit facility, which materially restructures the terms by modifying financial covenants (leverage ratio, tangible net worth, advance rate), extending the commitment termination date from July 2, 2026 to June 2, 2027, and adding a new performance guaranty from VFH.","company_name":"Vroom, Inc.","ticker":"VRMWW","filing_date":"2026-07-06","form":"8-K","submitted_at":null,"items":[{"id":14328,"accession_number":"0001193125-26-296552","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"The filing discloses Amendment No. 29 to a warehouse credit facility, which modifies financial covenants (leverage ratio, tangible net worth, advance rate) and extends the commitment termination date from July 2, 2026 to June 2, 2027. While this is technically an amendment to existing debt rather than a new issuance, it materially restructures the terms and obligations of the facility and adds a new performance guaranty from VFH. This falls under debt_issuance as the creation or material amendment of a direct financial obligation, though covenant_breach could apply if the amendments signal underlying covenant stress—the language suggests proactive restructuring rather than a breach event.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-07T19:04:24.401380+00:00","company_name":"","ticker":null,"filing_date":""},{"id":14329,"accession_number":"0001193125-26-296552","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.65,"reasoning":"Item 2.03 is filed and incorporates Item 1.01 by reference, indicating creation of a direct financial obligation. While the specific details are not provided in this excerpt, Item 2.03 filings typically disclose debt issuances, credit facilities, or other material financial obligations. The incorporation of Item 1.01 (which covers business combinations and material agreements) suggests a significant financial transaction, most likely a debt issuance or credit arrangement.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-07T19:04:24.401380+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":14328,"accession_number":"0001193125-26-296552","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"The filing discloses Amendment No. 29 to a warehouse credit facility, which modifies financial covenants (leverage ratio, tangible net worth, advance rate) and extends the commitment termination date from July 2, 2026 to June 2, 2027. While this is technically an amendment to existing debt rather than a new issuance, it materially restructures the terms and obligations of the facility and adds a new performance guaranty from VFH. This falls under debt_issuance as the creation or material amendment of a direct financial obligation, though covenant_breach could apply if the amendments signal underlying covenant stress—the language suggests proactive restructuring rather than a breach event.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-07T19:04:24.401380+00:00","company_name":"Vroom, Inc.","ticker":"VRMWW","filing_date":"2026-07-06"},{"id":14329,"accession_number":"0001193125-26-296552","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.65,"reasoning":"Item 2.03 is filed and incorporates Item 1.01 by reference, indicating creation of a direct financial obligation. While the specific details are not provided in this excerpt, Item 2.03 filings typically disclose debt issuances, credit facilities, or other material financial obligations. The incorporation of Item 1.01 (which covers business combinations and material agreements) suggests a significant financial transaction, most likely a debt issuance or credit arrangement.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-07T19:04:24.401380+00:00","company_name":"Vroom, Inc.","ticker":"VRMWW","filing_date":"2026-07-06"}]}