Fathom Holdings Inc. — Form 8-K
Filed November 3, 2026 · analyzed by the 8-K Agent
8-K
▼ Likely negative
significance 78/100
What the filing says
Fathom Holdings amended its Senior Secured Convertible Promissory Notes (originally issued Sept 25, 2024) with a third omnibus amendment dated November 2, 2026. The maturity date was extended to November 30, 2026, and all accrued and unpaid interest is deferred until that date. New 0.5% weekly extension fees accrue on Nov 9, 16, 23, and 30, 2026 on any outstanding principal—totaling up to 2.0% if notes remain outstanding through maturity. The company must reimburse holders' legal fees up to $5,000. Holder identities are redacted in the filing.
Why this rating
Material debt restructuring for micro-cap ($21.9M). Extension signals distress; new fees increase effective cost. Relative to company size, deferral and penalties are meaningful.
Price action (we called it negative)
before filing · preread $0.18 | at our read pending | +10 min pending | +30 min pending | +1 hr pending | +4 hrs pending |
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