{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000799850","name":"AMERICAS CARMART INC","summary":"Americas Car-Mart, Inc. is one of the largest publicly held automotive retailers in the United States, focused exclusively on the Integrated Auto Sales and Finance segment of the used car market. The Company sells older model used vehicles and provides financing for substantially all customers, primarily those with limited credit histories or past credit problems, operating 94 dealerships in small cities throughout the South-Central United States.","people":[],"products":[{"name":"Used Vehicle Sales","type":"service","description":"Sale of older model used vehicles with average retail price of $19,398 per unit in fiscal 2025."},{"name":"In-House Auto Financing","type":"service","description":"Installment sales contracts provided to subprime customers, with portfolio weighted average term of 48.3 months."},{"name":"Loan Origination System","type":"platform","description":"Internally developed system used for credit decision-making and enhanced underwriting across dealerships."},{"name":"Customer Relationship Management Software","type":"software","description":"Used to cultivate and manage customer relationships through digital communication channels."},{"name":"Used Vehicle Sales","type":"service","description":"Sale of older model used vehicles with average retail price of $20,064 per unit in fiscal 2026."},{"name":"Installment Sales Contracts","type":"service","description":"In-house financing for used vehicle purchases with portfolio weighted average term of 49.0 months."},{"name":"Contract Modifications","type":"service","description":"Loan servicing modifications primarily involving term extensions offered to customers experiencing financial difficulty."}],"partnerships":[{"partner_name":"Silver Point Capital, L.P.","partnership_type":"strategic","description":"Provided a five-year $300.0 million senior secured term loan closed October 30, 2025.","start_date":null}],"affiliations":[],"origin":{"leaf":"2c6d4fb774a283d79cda723307a925b19ed90678560e6674073dc8debeef9cee","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"4b168b061d60161b1751a1a712f961b44fb2ab901f8f887cc4e4f41d9d3b02c4","parent":"1c793559030f0b2c0935deebfbd82623598d1cb20c047f1ed5098a8ec21dce26","source":"0001628280-25-039026, 0001628280-26-048191","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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