The Company’s long-term debt instruments and balances outstanding as of September 30, 2026 and 2025 and December 31, 2025, including maturity date, weighted average interest rate and borrowing capacity as of September 30, 2026, were as follows (dollars in thousands):


			Weighted				Outstanding
	Revolving		average	Borrowing			September 30,						December 31,
	period end date	Maturity date	interest rate(1)	capacity			2026			2025			2025
Funding Debt:
ODAS IV 2025-2 Securitization Notes	October 2028	November 2032	5.65%		261,434			261,434			—			261,434
ODAS IV 2026-1 Securitization Notes	September 2028	October 2032	6.22%		500,026			500,026			—			—
2026-A Securitization Notes	—	September 2032	6.42%		289,544			289,544			—			—
ODAS IV 2025-1 Securitization Notes	March 2028	April 2032	5.89%		261,392			261,392			261,392			261,392
ODAS IV 2024-2 Securitization Notes	September 2027	October 2031	5.78%		261,353			261,353			261,353			261,353
2025-A Securitization Notes	—	October 2031	7.29%		42,526			42,526			123,683			93,331
ODAS IV 2024-1 Securitization Notes	May 2027	June 2031	6.84%		399,574			399,574			399,574			399,574
2024-A Securitization Notes	—	October 2030	8.31%		20,017			20,017			59,427			45,510
ODAS IV 2023-1 Securitization Notes	July 2026	August 2030	7.83%		179,153			179,153			227,051			227,051
NCLOCR 2024 Securitization Facility	February 2029	February 2030	8.68%		300,000			250,000			75,000			90,000
ODR 2022-1 Securitization Facility	June 2028	June 2029	7.23%		420,000			244,156			264,668			202,325
HWCR 2023 Securitization Facility	March 2028	March 2029	8.20%		535,000			535,000			433,214			473,214
ODR 2021-1 Securitization Facility	November 2027	November 2028	6.97%		246,667			148,989			188,338			202,890
NCR 2022 Securitization Facility	October 2026	October 2028	8.14%		275,000			20,000			117,194			175,194
NCLOCR 2025 Securitization Facility	July 2027	July 2028	7.93%		150,000			150,000			45,000			90,000
2023-A Securitization Notes	—	December 2027	—		—			—			13,850			9,282
RAOD Securitization Facility	November 2026	November 2027	6.43%		355,263			227,959			220,846			236,842
Total funding debt			6.93%	$	4,496,949		$	3,791,123		$	2,690,590		$	3,029,392
Corporate Debt:
Revolving line of credit	August 2029	August 2029	7.25%	$	825,000	(2)	$	713,000		$	542,000		$	596,000
9.125% senior notes due 2029	—	August 2029	9.13%		500,000			500,000			500,000			500,000
11.25% senior notes due 2028	—	December 2028	11.25%		400,000			400,000			400,000			400,000
Total corporate debt			8.82%	$	1,725,000		$	1,613,000		$	1,442,000		$	1,496,000
Less: Long-term debt issuance costs							$	(25,423	)	$	(23,454	)	$	(24,581	)
Less: Debt discounts								(1,819	)		(2,665	)		(2,430	)
Total long-term debt							$	5,376,881		$	4,106,471		$	4,498,381

(1) The weighted average interest rate is determined based on the rates and principal balances on September 30, 2026. It does not include the impact of the amortization of deferred loan origination costs or debt discounts.

(2) The Company had outstanding letters of credit under the Revolving line of credit of $0.4 million as of September 30, 2026 and 2025 and December 31, 2025.

Weighted average interest rates on long-term debt were 8.08% and 8.76% during the nine months ended September 30, 2026 and 2025, respectively. As of September 30, 2026 and 2025 and December 31, 2025, the Company was in compliance with all financial ratios and covenants set forth in the prevailing long-term debt agreements.

On September 25, 2026, OnDeck Asset Securitization IV, LLC (“ODAS IV”), a wholly-owned indirect subsidiary of the Company, issued $500.0 million in initial principal amount of Series 2026-1 Fixed Rate Asset-Backed Notes (the “ODAS IV 2026-1 Securitization

Notes”) in a private securitization transaction. The ODAS IV 2026-1 Securitization Notes have a legal final payment date in October 2032 and were issued in four classes with initial principal amounts and fixed interest rates per annum as follows: Class A Notes of $235.3 million at 5.61%, Class B Notes of $114.6 million at 6.05%, Class C Notes of $94.7 million at 6.73% and Class D Notes of $55.4 million at 8.28%. Collateral for the ODAS IV 2026-1 Securitization Notes consists of, among other things, a revolving pool of small business loans originated or purchased by ODK Capital, LLC (“ODK”), which is a wholly-owned indirect subsidiary of the Company. ODK is the servicer of the loans securing the ODAS IV 2026-1 Securitization Notes. ODAS IV is the sole obligor of the ODAS IV 2026-1 Securitization Notes, which are not obligations of, or guaranteed by, the Company or ODK. The net proceeds of the ODAS IV 2026-1 Securitization Notes were used to purchase small business loans from ODK that were pledged as collateral for the ODAS IV 2026-1 Securitization Notes and for other general corporate purposes.

On March 31, 2026, the loan securitization facility for HWC Receivables 2023, LLC (the “HWCR 2023 Securitization Facility”) was amended to, among other changes, increase the Class A revolving commitment from $365.0 million to $465.0 million, the Class B revolving commitment from $122.6 million to $156.2 million and the total facility commitment from $487.6 million to $621.2 million. On September 17, 2026, the HWCR 2023 Securitization Facility was further amended to, among other changes, extend the revolving period end and final maturity date to March 2028 and March 2029, respectively, and reduce the Class A revolving commitment from $465.0 million to $400.0 million, the Class B revolving commitment from $156.2 million to $135.0 million and the total facility commitment from $621.2 million to $535.0 million. The borrowing rate on the Class A loans changed to SOFR plus 2.75% from the commercial paper rate plus 2.70%; the borrowing rate on the Class B loans did not change. There were no changes to the advance rate on the Class A and Class B loans.

On August 21, 2026, NetCredit Combined Receivables B, LLC (“NCCRB”), a wholly-owned indirect subsidiary of the Company, issued $300.9 million of Fixed Rate Asset-Backed Notes (the “2026‑A Securitization Notes”) in a private securitization transaction. The 2026‑A Securitization Notes have a legal final payment date in September 2032 and were issued in three classes with initial principal amounts and fixed interest rates per annum as follows: Class A Notes of $240.7 million at 5.88%, Class B Notes of $44.3 million at 7.68% and Class C Notes of $15.8 million at 10.64%. The 2026‑A Securitization Notes are backed by a pool of unsecured consumer installment loans. The 2026‑A Securitization Notes represent obligations of NCCRB only and are not guaranteed by the Company. The net proceeds of the offering of the 2026‑A Securitization Notes were used to acquire unsecured consumer installment loans from certain subsidiaries of the Company, fund a reserve account and pay fees and expenses incurred in connection with the transaction.

On March 30, 2026, the loan securitization facility for NetCredit LOC Receivables 2024, LLC (the “NCLOCR 2024 Securitization Facility”) was amended to, among other changes, increase the revolving commitment from $150.0 million to $200.0 million. On August 14, 2026, the NCLOCR 2024 Securitization Facility was further amended to, among other changes, increase the revolving commitment from $200.0 million to $300.0 million, extend the revolving period end and final maturity dates to February 2029 and February 2030, respectively, and decrease the borrowing rate from SOFR plus 5.50% to SOFR plus 5.00%.

On June 25, 2026, the loan securitization facility for OnDeck Receivables 2022, LLC (the “ODR 2022-1 Securitization Facility”) was amended to, among other changes, extend the revolving period end and final maturity dates to June 2028 and June 2029, respectively. The total facility commitment remained the same at $420.0 million. The borrowing rate on the Class A loans decreased to the commercial paper rate plus 2.35% from the commercial paper rate plus 2.60%; the Class A advance rate decreased to 71.25% from 72.5%; the borrowing rate on the Class B loans did not change; and the Class B advance rate decreased to 88.75% from 90.0%, in each case measuring the current weighted average blended rates against the prior rates effective as of June 27, 2024.

On March 30, 2026, the loan securitization facility for NetCredit Receivables 2022, LLC (the “NCR 2022 Securitization Facility”) was amended to, among other changes, increase the revolving commitment from $200.0 million to $275.0 million.

On March 30, 2026, the loan securitization facility for Receivable Assets of OnDeck, LLC (the “RAOD Securitization Facility”) was amended to, among other changes, increase the Class A revolving commitment from $200.0 million to $300.0 million, the Class B revolving commitment from $36.8 million to $55.3 million and the total facility commitment from $236.8 million to $355.3 million.