JCAP · Jefferson Capital, Inc. Common Stock

The Amendment No. 8 to the Credit Agreement, effective April 22, 2026, represents a significant expansion of borrowing capacity for Jefferson Capital's affiliates, including CL Holdings, JCap, JCIA, and CFG as Borrowers. The $150 million increase in revolving commitments to $1.15 billion provides immediate additional liquidity, while raising the accordion feature cap to $1.425 billion offers substantial headroom for future growth-funded draws up to $275 million more without needing a new facility. This structure maintains the existing terms for all outstanding loans and commitments, ensuring continuity for current lenders who approved the changes as Required Lenders. New Incremental Lenders joined via Exhibit A allocations, expanding the lender syndicate without altering existing lenders' exposures. Minor updates to sanctions and anti-corruption representations align the facility with current regulatory standards, including expanded definitions covering EEA countries and Canada. Effectiveness was conditioned on standard closing items like officer certificates, KYC compliance, solvency affirmation, and fee payments, confirming no Defaults existed. For investors, this enhances financial flexibility for Jefferson Capital, Inc., supporting operational scaling in a non-dilutive manner amid its debt purchasing and receivables management business.