Material Agreement, Financial Obligation (Form 8-K)

Item 1.01 Entry into a Material Definitive Agreement

On April 22, 2026 (the "Amendment Effective Date"), CL Holdings, LLC, a Georgia limited liability company ("CL Holdings"), Jefferson Capital Systems, LLC, a Georgia limited liability company ("JCap"), JC International Acquisition, LLC, a Georgia limited liability company ("JCIA"), CFG Canada Funding, LLC, a Delaware limited liability company ("CFG" and, together with CL Holdings, JCap and JCIA, the "Borrowers"), and certain subsidiaries of the Borrowers, the existing lenders party thereto, the incremental lenders party thereto and Citizens Bank, N.A., as administrative agent (in such capacity, the "Administrative Agent"), entered into that certain Amendment No. 8 to Credit Agreement (the "Amendment"), which amended the Credit Agreement, dated as of May 21, 2021 (as amended, restated, amended and restated, supplemented or otherwise modified prior to the Amendment Effective Date, the "Credit Agreement"), by and among the Borrowers, the lenders party thereto and the Administrative Agent.

The Amendment increased the aggregate revolving credit commitments under the Credit Agreement by $150,000,000 from $1,000,000,000 to $1,150,000,000. In addition, the Amendment increased the maximum cap on the aggregate amount to which the revolving credit commitments may be increased in the future pursuant to the incremental provisions of the Credit Agreement to $1,425,000,000, allowing for future increases of up to an aggregate of $275,000,000. Except as described above, the Amendment did not make any material changes to the Credit Agreement.

This description of the Amendment does not purport to be complete, and the foregoing description is qualified in its entirety by reference to the full text of the Amendment, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

The information set forth under Item 1.01 of this Current Report on Form 8-K is incorporated by reference into this Item 2.03.