ATLCP / Atlanticus Holdings Corporation - Preferred Stock - Документы SEC, Годовой отчет, Доверенное заявление

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 20, 2025 Atlanticus Holdin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 20, 2025 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Com

ATLANTICUS HOLDINGS CORPORATION, as Issuer AND EACH OF THE GUARANTORS PARTY HERETO, as Guarantors 9.750% SENIOR NOTES DUE 2030 Dated as of August 20, 2025 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS

Exhibit 4.1 ATLANTICUS HOLDINGS CORPORATION, as Issuer AND EACH OF THE GUARANTORS PARTY HERETO, as Guarantors 9.750% SENIOR NOTES DUE 2030 INDENTURE Dated as of August 20, 2025 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page Article 1 Definitions and Incorporation by Reference Section 1.01. Definitions 1 Section 1.02. Rules of Construction 31 Section 1.03. Incorpor

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporati

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 8, 2025 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commiss

Amended and Restated Program Management Agreement, dated January 1, 2025, between The Bank of Missouri and Atlanticus Services Corporation

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

First Amendment to the Amended and Restated Receivable Sales Agreement, dated January 1, 2025, between The Bank of Missouri and Fortiva Funding, LLC

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Amended and Restated Receivable Sales Agreement, dated January 1, 2025, between The Bank of Missouri and Fortiva Funding, LLC

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporat

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Statement ☐ Definitive Additional Materials ☐ Soliciting Material Pursuant to § 240.

April 9, 2025 FOIA CONFIDENTIAL TREATMENT REQUESTED This letter omits confidential information included in the unredacted version of this letter that was delivered to the Staff. Redacted information is reflected with an “[*****].”

April 9, 2025 FOIA CONFIDENTIAL TREATMENT REQUESTED This letter omits confidential information included in the unredacted version of this letter that was delivered to the Staff.

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1)

-12-31FY2024 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgi

March 19, 2025 FOIA CONFIDENTIAL TREATMENT REQUEST Annex A to this letter omits confidential information included in the unredacted version of such document that was delivered to the Staff. Redacted information is reflected with an “[*****].”

March 19, 2025 FOIA CONFIDENTIAL TREATMENT REQUEST Annex A to this letter omits confidential information included in the unredacted version of such document that was delivered to the Staff.

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation I

Outside Director Compensation Package

Exhibit 10.8 OUTSIDE DIRECTOR COMPENSATION PACKAGE Effective January 1, 2025, Atlanticus Holdings Corporation (the “Company”) will pay each outside director who is independent in accordance with the NASDAQ and SEC rules governing director independence (an “Eligible Director”) the following for service to the Company: Annual Cash Retainer $ 50,000 Attendance Fee for Each Board Meeting (including te

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Name State or other Jurisdiction of Incorporation or Organization 58DH, LLC (1) Georgia AAMG, LLC Georgia Access Financial Holdings, LLC Georgia Access Financing, LLC Georgia Account Servicing Associate, LLC Georgia Account Services Georgia Agea Capital, LLC Nevada Apex Funding, LLC Georgia Atlanticus Holdings Corporation Georgia Atlanticus Services Corp

March 10, 2025 FOIA CONFIDENTIAL TREATMENT REQUESTED This letter omits confidential information included in the unredacted version of this letter that was delivered to the Staff. Redacted information is reflected with an “[*****].”

Troutman Pepper Locke LLP Bank of America Plaza, 600 Peachtree Street NE, Suite 3000 aTLANTA, ga 30308 troutman.

February 25, 2025

February 25, 2025 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

February 6, 2025

February 6, 2025 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

Joint Filing Agreement

Exhibit A Joint Filing Agreement This agreement is made pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended (the Act), by and among the parties listed below, each referred to herein as a Joint Filer.

Joint Filing Agreement

Exhibit A Joint Filing Agreement This agreement is made pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended (the “Act”), by and among the parties listed below, each referred to herein as a “Joint Filer.

ATLANTICUS HOLDINGS CORPORATION Up to $50,000,000 of Common Stock

424B5 1 atlc20241220424b5.htm FORM 424B5 Table of Contents PROSPECTUS SUPPLEMENT (To Prospectus dated May 21, 2024) Filed Pursuant to Rule 424(b)(5) Registration No. 333-279345 ATLANTICUS HOLDINGS CORPORATION Up to $50,000,000 of Common Stock We entered into an At-the-Market Sales Agreement (the “Sales Agreement”) with BTIG, LLC (“BTIG”), on December 29, 2023, pursuant to which we may offer and se

Troutman Pepper Hamilton Sanders LLP 600 Peachtree Street NE, Suite 3000 Atlanta, GA 30308-2216 troutman.com Paul Davis Fancher [email protected] November 22, 2024

Troutman Pepper Hamilton Sanders LLP 600 Peachtree Street NE, Suite 3000 Atlanta, GA 30308-2216 troutman.

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corp

October 4, 2024

Troutman Pepper Hamilton Sanders LLP 600 Peachtree Street NE, Suite 3000 Atlanta, GA 30308-2216 troutman.

Fifth Supplemental Indenture, dated as of August 26, 2024, by and between Atlanticus Holdings Corporation and U.S. Bank Trust Company, National Association, as trustee

EXHIBIT 4.1 ATLANTICUS HOLDINGS CORPORATION Up To $100,000,000 9.25% SENIOR NOTES DUE 2029 FIFTH SUPPLEMENTAL INDENTURE Dated as of August 26, 2024 To INDENTURE Dated as of November 22, 2021 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 2 Section 1.01 Certain Definitions 2 Section 1.02 Other Definitions 2 Secti

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 26, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Com

ATLANTICUS HOLDINGS CORPORATION Up to $100,000,000 of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Preference of $25.00 Per Share) 9.25% Senior Notes due 2029

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-279345 PROSPECTUS SUPPLEMENT (To Prospectus dated May 21, 2024) ATLANTICUS HOLDINGS CORPORATION Up to $100,000,000 of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Preference of $25.00 Per Share) and/or 9.25% Senior Notes due 2029 We entered into an At Market Issuance Sales Agreement (the “Sales Agreement”)

Amended and Restated At Market Issuance Sales Agreement, dated August 26, 2024, between Atlanticus Holdings Corporation and B. Riley Securities, Inc.

Exhibit 1.1 ATLANTICUS HOLDINGS CORPORATION 9.25% SENIOR NOTES DUE 2029 7.625% SERIES B CUMULATIVE PERPETUAL PREFERRED STOCK Amended and Restated At Market Issuance Sales Agreement August 26, 2024 B. Riley Securities, Inc. 299 Park Avenue, 21st Floor New York, New York 10171 Ladies and Gentlemen: Atlanticus Holdings Corporation, a Georgia corporation (the “Company”) and B. Riley Securities, Inc. (

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporati

Fourth Supplemental Indenture, dated as of July 26, 2024, by and between Atlanticus Holdings Corporation and U.S. Bank Trust Company, National Association, as trustee

Exhibit 4.1 ATLANTICUS HOLDINGS CORPORATION Up To $63,250,000 9.25% SENIOR NOTES DUE 2029 FOURTH SUPPLEMENTAL INDENTURE Dated as of July 26, 2024 To INDENTURE Dated as of November 22, 2021 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 2 Section 1.01 Certain Definition 2 Section 1.02 Other Definitions 2 Section

Underwriting Agreement, dated as of July 24, 2024, by and between the Company and B. Riley Securities, Inc., as representative of the several underwriters named therein.

Exhibit 1.1 ATLANTICUS HOLDINGS CORPORATION 9.25% SENIOR NOTES DUE 2029 UNDERWRITING AGREEMENT July 24, 2024 B. Riley Securities, Inc. As representative of the several Underwriters c/o B. Riley Securities, Inc. 299 Park Avenue, 21st Floor New York, New York 10171 Ladies and Gentlemen: ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (the “Company”), proposes to issue and sell to the several

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2024 Atlanticus Holdings

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commi

Atlanticus Closes $60 Million Principal Amount of 9.25% Senior Notes Due 2029 in Add-On Offering

Exhibit 99.2 Atlanticus Closes $60 Million Principal Amount of 9.25% Senior Notes Due 2029 in Add-On Offering ATLANTA, July 26, 2024 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyd

Atlanticus Prices $55,000,000 Principal Amount Add-On Offering of 9.25% Senior Notes Due 2029

Exhibit 99.1 Atlanticus Prices $55,000,000 Principal Amount Add-On Offering of 9.25% Senior Notes Due 2029 ATLANTA, July 25, 2024 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday

$55,000,000 ATLANTICUS HOLDINGS CORPORATION 9.25% Senior Notes due 2029

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-279345 PROSPECTUS SUPPLEMENT (To Prospectus dated May 21, 2024) $55,000,000 ATLANTICUS HOLDINGS CORPORATION 9.25% Senior Notes due 2029 We are offering $55.00 million principal amount of our 9.25% senior notes due 2029 (the “Additional Notes”) as described in this prospectus supplement and the accompanying prospectus. The Addi

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (constituting a further issuance of the 9.25% Senior Notes due 2029, of which $57,250,000 aggregate principal amount was previously issued)

Issuer Free Writing Prospectus Filed pursuant to Rule 433 Registration No. 333-279345 Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (constituting a further issuance of the 9.25% Senior Notes due 2029, of which $57,250,000 aggregate principal amount was previously issued) Term Sheet Term Sheet dated July 24, 2024 to the Preliminary Prospectus Supplement dated July 23, 2024 of Atlantic

Investor Presentation, dated July 23, 2024.

Exhibit 99.2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2024 Atlanticus Holdings

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commi

SUBJECT TO COMPLETION—DATED JULY 23, 2024

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-279345 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying base prospectus are not an offer to sell these securities, and are not soliciting an offer to buy these securities, in any jurisdiction where the offer or sale is not

Atlanticus Announces Add-On Offering of 9.25% Senior Notes Due 2029

Exhibit 99.1 Atlanticus Announces Add-On Offering of 9.25% Senior Notes Due 2029 ATLANTA, July 23, 2024 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced

May 17, 2024

May 17, 2024 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street, N.E. Washington, D.C. 20549-3720 Attention: Madeleine Joy Mateo Re: Atlanticus Holdings Corporation Registration Statement on Form S-3 File No. 333-279345 Acceleration Request Requested Date: Tuesday, May 21, 2024 Requested Time: 4:00 P.M. Eastern Time Ladies and Gentlemen

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 7, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commiss

Form T-1 – Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of U.S. Bank Trust Company, National Association under the Indenture filed as Exhibit 4.4.**

Exhibit 25 securities and exchange commission Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) ☐ U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 91-1821036 I.R.S. Emp

Filing Fee Table.**

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) Atlanticus Holdings Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit (2) Maximum Aggregate Offering Price (1) Fee Rate Amount

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporat

As filed with the Securities and Exchange Commission on May 10, 2024

As filed with the Securities and Exchange Commission on May 10, 2024 Registration No.

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Statement ☐ Definitive Additional Materials ☐ Soliciting Material Pursuant to § 240.

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commi

Letter of BDO USA, P.C., dated April 4, 2024

Exhibit 16.1 April 4, 2024 Securities and Exchange Commission 199 F Street N.E. Washington, D.C. 20549 We have been furnished with a copy of the response to Item 4.01 of the Form 8-K for the event that occurred on April 1, 2024, to be filed by our former client, Atlanticus Holdings Corporation. We agree with the statements made in the response to that Item insofar as they relate to our Firm. Very

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation I

Outside Director Compensation Package

Exhibit 10.8 OUTSIDE DIRECTOR COMPENSATION PACKAGE Effective January 1, 2024, Atlanticus Holdings Corporation (the “Company”) will pay each outside director who is independent in accordance with the NASDAQ and SEC rules governing director independence (an “Eligible Director”) the following for service to the Company: Annual Cash Retainer $ 50,000 Attendance Fee for Each Board Meeting (including te

Atlanticus Holdings Corporation Clawback Policy

Exhibit 97.1 ATLANTICUS HOLDINGS CORPORATION CLAWBACK POLICY The Board of Directors (the “Board”) of Atlanticus Holdings Corporation (the “Company”) has adopted this Clawback Policy (this “Policy”) on November 7, 2023, effective as of October 2, 2023 (the “Effective Date”). 1. Purpose. The purpose of this Policy is to provide for the recoupment of certain incentive compensation pursuant to Section

Series 2018-One Indenture Supplement for Fortiva Retail Credit Master Note Business Trust, dated November 9, 2018

Exhibit 10.12(a) CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. SERIES 2018-ONE INDENTURE SUPPLEMENT Dated as of November 9, 2018 to MASTER INDENTURE Dated as of November 9, 2018 Series 2018-One Asset Backed Notes $139,900,000 Class A Asset Backed Notes $15,650,000

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Name State or other Jurisdiction of Incorporation or Organization 59DH, LLC (1) Georgia AAMG, LLC Georgia Access Financial Holdings, LLC Georgia Access Financing LLC Georgia Agea Capital, LLC Nevada Apex Funding, LLC Georgia Atlanticus Holdings Corporation Georgia Atlanticus Services Corporation Georgia CAR Financial Services Guam Inc. Guam CAR Financial

Exhibit 4.1

Exhibit 4.1 DESCRIPTION OF SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED Below is a summary description of the following four securities of Atlanticus Holdings Corporation (“Atlanticus”) that are registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”): (i) common stock, no par value per share (the “

Atlanticus Holdings Corporation Policy Statement Regarding Securities Trading

Exhibit 19.1 ATLANTICUS HOLDINGS CORPORATION POLICY STATEMENT Regarding Securities Trading Atlanticus Holdings Corporation (“Atlanticus”) has designated its Corporate Secretary (the “Compliance Officer”) as its compliance officer to be responsible for monitoring and coordinating this Policy Statement Regarding Securities Trading (this “Policy Statement”). Any questions you have with respect to thi

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 14, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

Atlanticus Closes Option in connection with Offering of Senior Notes

Exhibit 99.1 Atlanticus Closes Option in connection with Offering of Senior Notes ATLANTA, February 14, 2024 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today anno

Second Supplemental Indenture, dated as of January 30, 2024, by and between Atlanticus Holdings Corporation and U.S. Bank Trust Company, National Association, as trustee

Exhibit 4.1 ATLANTICUS HOLDINGS CORPORATION Up To $100,000,000 6.125% SENIOR NOTES DUE 2026 SECOND SUPPLEMENTAL INDENTURE Dated as of January 30, 2024 To INDENTURE Dated as of November 22, 2021 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Certain Definitions 1 Section 1.02 Other Definitions 2 Se

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Co

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 ATLANTICUS HOLDINGS CORPORATION (Exact name of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 ATLANTICUS HOLDINGS CORPORATION (Exact name of registrant as specified in its charter) Georgia 58-2336689 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identificat

Atlanticus Prices $50 Million Offering of Senior Notes

Exhibit 99.1 Atlanticus Prices $50 Million Offering of Senior Notes ATLANTA, January 26, 2024 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced the prici

Underwriting Agreement, dated as of January 25, 2024, by and between the Company and B. Riley Securities, Inc., as representative of the several underwriters named therein.

Exhibit 1.1 ATLANTICUS HOLDINGS CORPORATION 9.25% SENIOR NOTES DUE 2029 UNDERWRITING AGREEMENT January 25, 2024 B. Riley Securities, Inc. As representative of the several Underwriters c/o B. Riley Securities, Inc. 299 Park Avenue, 21st Floor New York, New York 10171 Ladies and Gentlemen: ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (the “Company”), proposes to issue and sell to the sever

Third Supplemental Indenture, dated as of January 30, 2024, by and between Atlanticus Holdings Corporation and U.S. Bank Trust Company, National Association, as trustee

Exhibit 4.1 ATLANTICUS HOLDINGS CORPORATION Up To $57,500,000 9.25% SENIOR NOTES DUE 2029 THIRD SUPPLEMENTAL INDENTURE Dated as of January 30, 2024 To INDENTURE Dated as of November 22, 2021 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 2 Section 1.01 Certain Definitions 2 Section 1.02 Other Definitions 3 Secti

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Co

Atlanticus Closes $50 Million Offering of Senior Notes

Exhibit 99.2 Atlanticus Closes $50 Million Offering of Senior Notes ATLANTA, January 30, 2024 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced the closi

$50,000,000 ATLANTICUS HOLDINGS CORPORATION 9.25% Senior Notes due 2029

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-255834 PROSPECTUS SUPPLEMENT (To Prospectus dated May 13, 2021) $50,000,000 ATLANTICUS HOLDINGS CORPORATION 9.25% Senior Notes due 2029 We are offering $50 million principal amount of our 9.25% senior notes due 2029 (the “Notes”) as described in this prospectus supplement and the accompanying prospectus. Interest on the Notes

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029

Issuer Free Writing Prospectus Filed pursuant to Rule 433 Registration No. 333-255834 Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 Term Sheet Term Sheet dated January 25, 2024 to the Preliminary Prospectus Supplement dated January 24, 2024 of Atlanticus Holdings Corporation. This Term Sheet is qualified in its entirety by reference to the Preliminary Prospectus Supplement. The infor

SUBJECT TO COMPLETION—DATED JANUARY 24, 2024

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-255834 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying base prospectus are not an offer to sell these securities, and are not soliciting an offer to buy these securities, in any jurisdiction where the offer or sale is not

Investor Presentation, dated January 24, 2024.

Exhibit 99.2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2024 Atlanticus Holdi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2024 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Co

Atlanticus Announces Offering of Senior Notes

Exhibit 99.1 Atlanticus Announces Offering of Senior Notes ATLANTA, January 24, 2024 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced it has commenced a

ATLANTICUS HOLDINGS CORPORATION Up to $50,000,000 of Common Stock

Table of Contents PROSPECTUS SUPPLEMENT Filed Pursuant to Rule 424(b)(5) (To Prospectus dated May 13, 2021) Registration No.

At-The-Market Sales Agreement, dated December 29, 2023, between Atlanticus Holdings Corporation and BTIG, LLC

EX-1.1 2 ex610938.htm EXHIBIT 1.1 Exhibit 1.1 ATLANTICUS HOLDINGS CORPORATION UP TO $50,000,000 OF COMMON STOCK (no par value per share) AT-THE-MARKET SALES AGREEMENT December 29, 2023 BTIG, LLC 600 Montgomery Street, 6th Floor San Francisco, CA 94111 Ladies and Gentlemen: Atlanticus Holdings Corporation, a Georgia corporation (the “Company”), confirms its agreement (this “Agreement”) with BTIG, L

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 29, 2023 Atlanticus Hold

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 29, 2023 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1)

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A (Amendment No. 1)

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A (Amendment No. 1) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 -12-31Q12023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a G

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corp

Third Quarter 2023 Receivables growth of 18.1% over prior year, with over 3.4 million accounts served (1), allowing for continued strong results

Exhibit 99.1 Atlanticus Reports Third Quarter 2023 Financial Results November 8, 2023 | Source:Atlanticus Holdings Corp Third Quarter 2023 Receivables growth of 18.1% over prior year, with over 3.4 million accounts served (1), allowing for continued strong results ATLANTA, November 7, 2023 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (Atlanticus, the Company, we, our or us), a

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 8, 2023 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Co

ATLC / Atlanticus Holdings Corp / Howard Jeffrey A. - SCHEDULE 13D/A Activist Investment

SC 13D/A 1 howd20230915sc13da.htm SCHEDULE 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 1) Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) Jeffrey A. Howard Atlanticus Holdings Corporation Five Concourse

Second Quarter 2023 Receivables growth of 18.5% over prior year, with over 3 million accounts served, allowing for continued strong results(1)

Exhibit 99.1 Atlanticus Reports Second Quarter 2023 Financial Results Your publication date and time will appear here.| Source: Atlanticus Holdings Corp Second Quarter 2023 Receivables growth of 18.5% over prior year, with over 3 million accounts served, allowing for continued strong results(1) ATLANTA, August 08, 2023 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (Atlanticus,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 8, 2023 Atlanticus Holding

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 8, 2023 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Comm

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporati

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2023 Atlanticus Holdings C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2023 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commiss

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporat

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Statement ☐ Definitive Additional Materials ☐ Soliciting Material Pursuant to § 240.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 14, 2023 Atlanticus Holding

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 14, 2023 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Comm

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Name State or other Jurisdiction of Incorporation or Organization 59DH, LLC (1) Georgia AAMG, LLC Georgia Access Financial Holdings, LLC Georgia Access Financing LLC Georgia Agea Capital, LLC Nevada Apex Funding, LLC Georgia Atlanticus Holdings Corporation Georgia Atlanticus Services Corporation Georgia CAR Financial Services Guam Inc. Guam CAR Financial

Atlanticus Reports Fourth Quarter and Full Year 2022 Financial Results Achieved Over $1 Billion in Annual Revenue with Another Consecutive Quarter of Revenue Growth

Exhibit 99.1 Atlanticus Reports Fourth Quarter and Full Year 2022 Financial Results Achieved Over $1 Billion in Annual Revenue with Another Consecutive Quarter of Revenue Growth ATLANTA, March 14, 2023 - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” “the Company”, “we,” “our” or “us”), a financial technology company which enables its bank, retail and healthcare partners to offer mo

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation I

ATLC / Atlanticus Holdings Corp / HANNA DAVID G - SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 4) Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) David G. Hanna Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a co

ATLC / Atlanticus Holdings Corp / HANNA FRANK J III - SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 1) Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) Frank J. Hanna, III c/o Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328

ATLC / Atlanticus Holdings Corp / HANNA DAVID G - SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 3) Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) David G. Hanna Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a co

Outside Director Compensation Package

Exhibit 10.1 OUTSIDE DIRECTOR COMPENSATION PACKAGE Effective January 1, 2023, Atlanticus Holdings Corporation (the ?Company?) will pay each outside director who is independent in accordance with the NASDAQ and SEC rules governing director independence (an ?Eligible Director?) the following for service to the Company: Annual Cash Retainer $ 50,000 Attendance Fee for Each Board Meeting (including te

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corp

Articles of Amendment Establishing Cumulative Convertible Preferred Stock, Series A (included as Exhibit B to Exhibit 3.1 hereto)

Exhibit 3.1 ATLANTICUS HOLDINGS CORPORATION AMENDED AND RESTATED ARTICLES OF INCORPORATION Atlanticus Holdings Corporation, a Georgia corporation (the ?Company?), acting pursuant to Sections 14-2-602 and 14-2-1007 of the Georgia Business Corporation Code, does hereby submit the following Amended and Restated Articles of Incorporation (?Amended and Restated Articles of Incorporation?), thereby amen

Amended and Restated Articles of Amendment designating the 7.625% Series B Cumulative Perpetual Preferred Stock of Atlanticus Holdings Corporation.

Exhibit 3.1 ATLANTICUS HOLDINGS CORPORATION AMENDED AND RESTATED ARTICLES OF AMENDMENT ESTABLISHING 7.625% SERIES B CUMULATIVE PERPETUAL PREFERRED STOCK Atlanticus Holdings Corporation, a Georgia corporation (the ?Company?), acting pursuant to Section 14-2-602 of the Georgia Business Corporation Code, does hereby submit the following Amended and Restated Articles of Amendment establishing its 7.62

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 10, 2022 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Com

At Market Issuance Sales Agreement, dated August 10, 2022, between Atlanticus Holdings Corporation and B. Riley Securities, Inc.

Exhibit 1.1 ATLANTICUS HOLDINGS CORPORATION 6.125% SENIOR NOTES DUE 2026 7.625% SERIES B CUMULATIVE PERPETUAL PREFERRED STOCK At Market Issuance Sales Agreement August 10, 2022 B. Riley Securities, Inc. 299 Park Avenue, 21st Floor New York, New York 10171 Ladies and Gentlemen: Atlanticus Holdings Corporation, a Georgia corporation (the ?Company?), confirms its agreement (this ?Agreement?) with B.

ATLANTICUS HOLDINGS CORPORATION Up to $100,000,000 of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Preference of $25.00 Per Share) 6.125% Senior Notes due 2026

424B5 1 atlc20220809424b5.htm FORM 424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-255834 PROSPECTUS SUPPLEMENT (To Prospectus dated May 13, 2021) ATLANTICUS HOLDINGS CORPORATION Up to $100,000,000 of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Preference of $25.00 Per Share) and/or 6.125% Senior Notes due 2026 We entered into an At Market Issuan

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporati

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2022 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commis

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporat

Definitive Proxy Statement on Schedule 14A

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy Statement ? Definitive Additional Materials ? Soliciting Material Pursuant to ? 240.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 15, 2022 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Comm

Atlanticus Announces Appointment of Dennis James to its Board of Directors

Exhibit 99.1 Atlanticus Announces Appointment of Dennis James to its Board of Directors ATLANTA, Mar. 21, 2022 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus,? ?the Company?, ?we,? ?our? or ?us?), a technology-enabled financial services company, today announced the appointment of Dennis James, as a new independent Director to its Board of Directors and as Chair of t

Description of Atlanticus Holdings Corporation's Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934

Exhibit 4.1 DESCRIPTION OF SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED Below is a summary description of the following three securities of Atlanticus Holdings Corporation (?Atlanticus?) that are registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended (the ?Exchange Act?): (i) common stock, no par value per share (the

Series 2017-One Indenture Supplement for Perimeter Master Note Business Trust, dated February 8, 2017

Exhibit 10.11(a) CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. [This agreement has been superseded by the Amended and Restated Series 2017-One Indenture Supplement for Perimeter Master Note Business Trust, dated June 11, 2018, which was included as exhibit 10.11(a

Purchase Agreement, dated February 8, 2017, among TSO-Fortiva Notes Holdco LP, TSO-Fortiva Certificate Holdco LP, Perimeter Funding Corporation, Atlanticus Services Corporation and Perimeter Master Note Business Trust

Exhibit 10.1l(k) CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. EXECUTION COPY PURCHASE AGREEMENT by and among TSO-Fortiva Notes Holdco LP, as an Investor, TSO-Fortiva Certificate Holdco LP, as a Certificateholder, TSO-Fortiva Notes Holdco LP, as Agent, PERIMETER F

Outside Director Compensation Package

Exhibit 10.8 OUTSIDE DIRECTOR COMPENSATION PACKAGE Effective January 1, 2022, Atlanticus Holdings Corporation (the ?Company?) will pay each outside director who is independent in accordance with the NASDAQ and SEC rules governing director independence (an ?Eligible Director?) the following for service to the Company: Annual Cash Retainer??????????????... $50,000 Attendance Fee for Each Board Meeti

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation I

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Name State or other Jurisdiction of Incorporation or Organization 59DH, LLC (1) Georgia AAMG, LLC Georgia Access Financial Holdings, LLC Georgia Access Financing LLC Georgia Agea Capital, LLC Nevada Apex Funding, LLC Georgia Atlanticus Holdings Corporation Georgia Atlanticus Services Corporation Georgia CAR Financial Services Guam Inc. Guam CAR Financial

ATLC / Atlanticus Holdings Corp / HANNA DAVID G - SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 2) Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) David G. Hanna Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a co

ATLC / Atlanticus Holdings Corp / Howard Jeffrey A. - SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) Jeffrey A. Howard Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a copy to: Paul Dav

ATLC / Atlanticus Holdings Corp / JPMORGAN CHASE & CO - FILING ATLANTICUS HOLDINGS CORPORATION Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 01)* ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) common stock, no par value (Title of Class of Securities) 04914Y102 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 30, 2021 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

Atlanticus Closes Over-Allotment Option in connection with Offering of Senior Notes

Exhibit 99.1 Atlanticus Closes Over-Allotment Option in connection with Offering of Senior Notes ATLANTA, November 30, 2021 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus,? ?the Company?, ?we,? ?our? or ?us?), a financial technology company which enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Ameri

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 17, 2021 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

Atlanticus Closes $135 Million Offering of Senior Notes

Exhibit 99.3 Atlanticus Closes $135 Million Offering of Senior Notes ATLANTA, November 22, 2021 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus,? ?the Company?, ?we,? ?our? or ?us?), a financial technology company which enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced the cl

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 ATLANTICUS HOLDINGS CORPORATION (Exact name of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 ATLANTICUS HOLDINGS CORPORATION (Exact name of registrant as specified in its charter) Georgia 58-2336689 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identificat

Atlanticus Announces Offering of Senior Notes

Exhibit 99.1 Atlanticus Announces Offering of Senior Notes ATLANTA, November 15, 2021 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus,? ?the Company?, ?we,? ?our? or ?us?), a financial technology company which enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced it has commenced

Underwriting Agreement, dated as of November 17, 2021, by and between the Company and B. Riley Securities, Inc., as representative of the several underwriters named therein.

Exhibit 1.1 ATLANTICUS HOLDINGS CORPORATION 6.125% SENIOR NOTES DUE 2026 UNDERWRITING AGREEMENT November 17, 2021 B. Riley Securities, Inc. As representative of the several Underwriters c/o B. Riley Securities, Inc. 299 Park Avenue, 21st Floor New York, New York 10171 Ladies and Gentlemen: ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (the ?Company?), proposes to issue and sell to the sev

First Supplemental Indenture, dated as of November 22, 2021, by and between Atlanticus Holdings Corporation and U.S. Bank National Association, as trustee

Exhibit 4.2 ATLANTICUS HOLDINGS CORPORATION $150,000,000 6.125% SENIOR NOTES DUE 2026 FIRST SUPPLEMENTAL INDENTURE Dated as of November 22, 2021 To INDENTURE Dated as of November 22, 2021 U.S. BANK NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Certain Definitions 1 Section 1.02 Other Definitions 2 Section 1.03 Incorporat

Indenture, dated as of November 22, 2021, by and between Atlanticus Holdings Corporation and U.S. Bank National Association, as trustee

Exhibit 4.1 ATLANTICUS HOLDINGS CORPORATION and U.S. BANK NATIONAL ASSOCIATION Trustee INDENTURE Dated as of November 22, 2021 DEBT SECURITIES CROSS-REFERENCE TABLE(1) Section of Trust Indenture Act of 1939, as amended Section of Indenture 310(a) 6.09 310(b) 6.08 6.10 311(a) 6.13 311(b) 6.13 312(a) 4.01 4.04 312(b) 4.04(c) 312(c) 4.04(c) 313(a) 4.03 313(b) 4.03 313(c) 4.03 313(d) 4.03 314(a) 4.02

Atlanticus Prices $135 Million Offering of Senior Notes

Exhibit 99.2 Atlanticus Prices $135 Million Offering of Senior Notes ATLANTA, November 17, 2021 (GLOBE NEWSWIRE) - Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus,? ?the Company?, ?we,? ?our? or ?us?), a financial technology company which enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced the pr

$135,000,000 ATLANTICUS HOLDINGS CORPORATION 6.125% Senior Notes due 2026

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-255834 PROSPECTUS SUPPLEMENT (To Prospectus dated May 13, 2021) $135,000,000 ATLANTICUS HOLDINGS CORPORATION 6.125% Senior Notes due 2026 We are offering $135 million principal amount of our 6.125% senior notes due 2026 (the ?Notes?) as described in this prospectus supplement and the accompanying prospectus. Interest on the No

Atlanticus Holdings Corporation 6.125% Senior Notes due 2026

Issuer Free Writing Prospectus Filed pursuant to Rule 433 Registration No. 333-255834 Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 Term Sheet Term Sheet dated November 17, 2021 to the Preliminary Prospectus Supplement dated November 15, 2021 of Atlanticus Holdings Corporation. This Term Sheet is qualified in its entirety by reference to the Preliminary Prospectus Supplement. The in

SUBJECT TO COMPLETION—DATED NOVEMBER 15, 2021

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-255834 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying base prospectus are not an offer to sell these securities, and are not soliciting an offer to buy these securities, in any jurisdiction where the offer or sale is not

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corp

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporati

Atlanticus Holdings Corporation Announces Closing of Over-Allotment Option in Connection with Offering of Series B Cumulative Perpetual Preferred Stock

Exhibit 99.1 Atlanticus Holdings Corporation Announces Closing of Over-Allotment Option in Connection with Offering of Series B Cumulative Perpetual Preferred Stock ATLANTA, GA., July 8, 2021 ? Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus? or the ?Company?) today announced the closing of its underwritten registered public offering of 388,533 additional shares of its 7.625% Series B

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 8, 2021 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commis

Underwriting Agreement, dated as of June 8, 2021, by and between the Company and B. Riley Securities, Inc., as representative of the several underwriters named therein.

Exhibit 1.1 Execution Version B. RILEY SECURITIES, INC. As representative of the several Underwriters c/o B. RILEY SECURITIES, INC. 299 Park Avenue, 21st Floor New York, New York 10171 Ladies and Gentlemen: ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (the ?Company?), proposes to issue and sell to the several Underwriters named in Schedule I hereto (the ?Underwriters?) 2,800,000 shares o

Atlanticus Holdings Corporation Closes Preferred Stock Offering

Exhibit 99.3 Atlanticus Holdings Corporation Closes Preferred Stock Offering ATLANTA, GA., June 11, 2021 ? Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus? or the ?Company?) today announced the closing of its previously announced underwritten registered public offering of 2,800,000 shares of its 7.625% Series B Cumulative Perpetual Preferred Stock, no par value and liquidation preferen

Atlanticus Holdings Corporation Announces Offering of Series B Cumulative Perpetual Preferred Stock

Exhibit 99.1 Atlanticus Holdings Corporation Announces Offering of Series B Cumulative Perpetual Preferred Stock ATLANTA, GA., June 7, 2021 ? Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus? or the ?Company?) today announced it has commenced an underwritten registered public offering of shares of its Series B Cumulative Perpetual Preferred Stock, no par value and liquidation preference

Form 8-A12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 ATLANTICUS HOLDINGS CORPORATION (Exact name of registrant as specified in its charter) Georgia 58-2336689 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identificat

Articles of Amendment designating the 7.625% Series B Cumulative Perpetual Preferred Stock of Atlanticus Holdings Corporation.

Exhibit 3.1 ATLANTICUS HOLDINGS CORPORATION ARTICLES OF AMENDMENT ESTABLISHING 7.625% SERIES B CUMULATIVE PERPETUAL PREFERRED STOCK Atlanticus Holdings Corporation, a Georgia corporation (the ?Company?), acting pursuant to Section 14-2-602 of the Georgia Business Corporation Code, does hereby submit the following Articles of Amendment establishing its 7.625% Series B Cumulative Perpetual Preferred

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 8, 2021 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commis

Atlanticus Holdings Corporation Prices $70 Million Offering of Series B Cumulative Perpetual Preferred Stock

Exhibit 99.2 Atlanticus Holdings Corporation Prices $70 Million Offering of Series B Cumulative Perpetual Preferred Stock ATLANTA, GA., June 9, 2021 ? Atlanticus Holdings Corporation (NASDAQ: ATLC) (?Atlanticus? or the ?Company?) today announced the pricing of its underwritten registered public offering of 2,800,000 shares of 7.625% Series B Cumulative Perpetual Preferred Stock, no par value and l

ATLANTICUS HOLDINGS CORPORATION 2,800,000 Shares of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Preference of $25.00 Per Share)

Filed Pursuant to Rule 424(b)(5) Registration No. 333-255834 Table of Contents PROSPECTUS SUPPLEMENT (To Prospectus dated May 13, 2021) ATLANTICUS HOLDINGS CORPORATION 2,800,000 Shares of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Preference of $25.00 Per Share) We are offering for sale 2,800,000 shares of our 7.625% Series B Cumulative Perpetual Preferred Stock, no par valu

Atlanticus Holdings Corporation Shares of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Amount of $25.00 Per Share)

Issuer Free Writing Prospectus Filed pursuant to Rule 433 Registration No. 333-255834 Atlanticus Holdings Corporation Shares of 7.625% Series B Cumulative Perpetual Preferred Stock (Liquidation Amount of $25.00 Per Share) Term Sheet Term Sheet dated June 8, 2021 to the Preliminary Prospectus Supplement dated June 7, 2021 of Atlanticus Holdings Corporation. This Term Sheet is qualified in its entir

SUBJECT TO COMPLETION—DATED JUNE 7, 2021

Filed Pursuant to Rule 424(b)(5) Registration No. 333-255834 Table of Contents The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying base prospectus are not an offer to sell these securities, and are not soliciting an offer to buy these securities, in any jurisdiction where the offer or sale is not

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 13, 2021 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commis

Outside Director Compensation Package

Exhibit 10.3 OUTSIDE DIRECTOR COMPENSATION PACKAGE Effective January 1, 2021, Atlanticus Holdings Corporation (the ?Company?) will pay each outside director who is independent in accordance with the NASDAQ and SEC rules governing director independence (an ?Eligible Director?) the following for service to the Company: Annual Cash Retainer $ 50,000 Attendance Fee for Each Board Meeting (including te

Amended and Restated Employment Agreement, dated March 18, 2021, between Atlanticus Holdings Corporation and David G. Hanna

Exhibit 10.1 AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this ?Agreement?) is made and entered into this the 18th day of March, 2021 by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (?Atlanticus?), and DAVID G. HANNA, an individual resident of the State of Georgia (?Employee?). W I T N E S S E T H: WHEREAS, CompuCredit Corporation

Amended and Restated Consultant Agreement, dated May 1, 2020, between Atlanticus Services Corporation and Denise M. Harrod

Exhibit 10.4 AMENDED AND RESTATED CONSULTANT AGREEMENT THIS AMENDED AND RESTATED CONSULTANT AGREEMENT (the ?Agreement?) is made and entered into this May 1, 2020 by and between Atlanticus Services Corporation, a Georgia corporation (?Company?), and Denise Harrod, a Georgia resident (?Consultant?). BACKGROUND: Company desires to retain Consultant to provide certain services to Company, and Consulta

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended March 31, 2021 ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended March 31, 2021 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus? common stock, no par value per share, is registered pursuant

Amended and Restated Employment Agreement, dated March 18, 2021, between Atlanticus Holdings Corporation and Jeffrey A. Howard

Exhibit 10.2 AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this ?Agreement?) is made and entered into this the 18th day of March, 2021 (the ?Effective Date?), by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (?Atlanticus?), and JEFFREY A. HOWARD, an individual resident of the State of Georgia (?Employee?). W I T N E S S E T H: WHEREA

May 11, 2021

May 11, 2021 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street, N.E. Washington, D.C. 20549-3720 Attention: Eric Envall Re: Atlanticus Holdings Corporation Registration Statement on Form S-3 File No. 333-255834 Acceleration Request Requested Date: Thursday, May 13, 2021 Requested Time: 4:00 P.M. Eastern Time Ladies and Gentlemen: Pursu

Form of Indenture, to be entered into between Atlanticus Holdings Corporation and the trustee designated therein.**

Exhibit 4.9 ATLANTICUS HOLDINGS CORPORATION and [ ] Trustee INDENTURE Dated as of [ ] DEBT SECURITIES CROSS-REFERENCE TABLE(1) Section of Trust Indenture Act of 1939, as amended Section of Indenture 310(a) 6.09 310(b) 6.08 6.10 311(a) 6.13 311(b) 6.13 312(a) 4.01 4.04 312(b) 4.04(c) 312(c) 4.04(c) 313(a) 4.03 313(b) 4.03 313(c) 4.03 313(d) 4.03 314(a) 4.02 314(b) Inapplicable 314(c) 2.04 8.04 9.01

- FORM S-3

Table of Contents As filed with the Securities and Exchange Commission on May 6, 2021 Registration No.

- FORM DEF 14A

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy Statement ? Definitive Additional Materials ? Soliciting Material Pursuant to ? 240.

Annual Report on Form 10-K for the year ended December 31, 2020

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K Annual Report for the year ended December 31, 2020 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus? common stock, no par value per share, is registered pur

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Name State or other Jurisdiction of Incorporation or Organization 59DH, LLC (1) Georgia AAMG, LLC Georgia Access Financial Holdings, LLC Georgia Access Financing LLC Georgia Agea Capital, LLC Georgia Atlanticus Funding IV LLC Georgia Atlanticus Holdings Corporation Georgia Atlanticus Services Corporation Georgia Cahaba Energy LLC Georgia CAR Financial Se

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 18, 2021 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Comm

March 16, 2021

Troutman Pepper Hamilton Sanders LLP 600 Peachtree Street NE, Suite 3000 Atlanta, GA 30308-2216 troutman.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) common stock, no par value (Title of Class of Securities

Schedule 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) common stock, no par value (Title of Class of Securities) 04914Y102 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designa

Atlanticus Announces Appointment of Denise Hales Harrod and Joann Jones to its Board of Directors

Atlanticus Announces Appointment of Denise Hales Harrod and Joann Jones to its Board of Directors ATLANTA, Jan.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2021 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Co

January 15, 2021

Troutman Pepper Hamilton Sanders LLP 600 Peachtree Street NE, Suite 3000 Atlanta, GA 30308-2216 troutman.

January 4, 2021

Troutman Pepper Hamilton Sanders LLP 600 Peachtree Street NE, Suite 3000 Atlanta, GA 30308-2216 troutman.

Outside Director Compensation Package

Exhibit 10.1 OUTSIDE DIRECTOR COMPENSATION PACKAGE Effective January 1, 2021, Atlanticus Holdings Corporation (the ?Company?) will pay each outside director who is independent in accordance with the NASDAQ and SEC rules governing director independence (an ?Eligible Director?) the following for service to the Company: Annual Cash Retainer $ 50,000 Attendance Fee for Each Board Meeting (including te

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended September 30, 2020 ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concou

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended September 30, 2020 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus? common stock, no par value per share, is registered purs

Quarterly Report - FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended June 30, 2020 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered pursuant

First Amendment to Amended and Restated Program Management Agreement, dated June 30, 2020, between The Bank of Missouri and Atlanticus Services Corporation

Exhibit 10.1(a) FIRST AMENDMENT TO AMENDED AND RESTATED PROGRAM MANAGEMENT AGREEMENT This FIRST AMENDMENT TO AMENDED AND RESTATED PROGRAM MANAGEMENT AGREEMENT (“First Amendment”) dated as June 30, 2020 is made by and between The Bank of Missouri a Missouri, state-chartered bank, having its principal location in Perryville, MO (“Bank”), and Atlanticus Services Corporation (“Program Manager”), a Geo

Amended and Restated Program Management Agreement, dated April 1, 2020, between The Bank of Missouri and Atlanticus Services Corporation

Exhibit 10.1 AMENDED AND RESTATED PROGRAM MANAGEMENT AGREEMENT THIS AMENDED AND RESTATED PROGRAM MANAGEMENT AGREEMENT (this “Agreement”), dated as of April 1, 2020 (“Effective Date”), is made by and between THE BANK OF MISSOURI, a Missouri state-chartered bank, having its principal location in Perryville, Missouri (“Bank”), and ATLANTICUS SERVICES CORPORATION, a Georgia corporation, having its pri

First Amendment to Amended and Restated Receivable Sales Agreement, dated June 30, 2020, between The Bank of Missouri and Fortiva Funding, LLC

Exhibit 10.2(a) FIRST AMENDMENT TO AMENDED AND RESTATED RECEIVABLE SALES AGREEMENT This FIRST AMENDMENT TO AMENDED AND RESTATED RECEIVABLE SALES AGREEMENT (“First Amendment”) dated as June 30, 2020 is made by and between The Bank of Missouri a Missouri, state-chartered bank, having its principal location in Perryville, MO (“Bank”), and Fortiva Funding, LLC, (“Fortiva”), a Georgia limited liability

Amended and Restated Receivable Sales Agreement, dated April 1, 2020, between The Bank of Missouri and Fortiva Funding, LLC

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Quarterly Report - FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended March 31, 2020 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered pursuant

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 7, 2020 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commiss

ATLC / Atlanticus Holdings Corp. DEF 14A - - FORM DEF 14A

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Statement ☐ Definitive Additional Materials ☐ Soliciting Material Pursuant to § 240.

ATLC / Atlanticus Holdings Corp. / McCamey William - SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) William R. McCamey Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a copy to: Paul Da

ATLC / Atlanticus Holdings Corp. / ARISTEIA CAPITAL LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 2) Atlanticus Holdings Corporation (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) April 3, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate th

Third Amendment to Purchase Agreement, dated November 13, 2019, among TSO-Fortiva Notes Holdco LP, TSO-Fortiva Certificate Holdco LP, Perimeter Funding Corporation, Access Financing, LLC and Perimeter Master Note Business Trust

Exhibit 10.11(m) THIRD AMENDMENT TO PURCHASE AGREEMENT This THIRD AMENDMENT, dated as of November 13, 2019 (this “Amendment”), to the PURCHASE AGREEMENT, dated as of February 8, 2017 (the “Existing Agreement”, as amended by the First Amendment to the Purchase Agreement, dated as of June 11, 2018, the Second Amendment to the Purchase Agreement, dated as of November 16, 2018, and as amended by this

Second Amendment to Purchase Agreement, dated January 23, 2020, among TSO-Fortiva Notes Holdco LP, Perimeter Funding Corporation, Access Financing, LLC and Perimeter Master Note Business Trust

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Series 2019-Two Indenture Supplement for Perimeter Master Note Business Trust, dated November 26, 2019

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

First Amendment to Purchase Agreement, dated June 11, 2018, among TSO-Fortiva Notes Holdco LP, TSO-Fortiva Certificate Holdco LP, Perimeter Funding Corporation, Access Financing, LLC and Perimeter Master Note Business Trust

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Second Amendment to Purchase Agreement, dated November 16, 2018, among TSO-Fortiva Notes Holdco LP, TSO-Fortiva Certificate Holdco LP, Perimeter Funding Corporation, Access Financing, LLC and Perimeter Master Note Business Trust

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

First Amendment to Trust Agreement, dated June 11, 2018, between Perimeter Funding Corporation and Wilmington Trust, National Association

Exhibit 10.11(u) FIRST AMENDMENT TO THE PERIMETER MASTER NOTE BUSINESS TRUST TRUST AGREEMENT THIS FIRST AMENDMENT TO THE PERIMETER MASTER NOTE BUSINESS TRUST TRUST AGREEMENT, dated as of June 11, 2018 (this “Amendment”), is between PERIMETER FUNDING CORPORATION, as Transferor (the “Transferor”), and WILMINGTON TRUST, NATONAL ASSOCIATION, a national banking association, as Owner Trustee (the “Owner

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Name State or other Jurisdiction of Incorporation or Organization 59DH, LLC (1) Georgia AAMG, LLC Georgia Access Financial Holdings, LLC Georgia Access Financing LLC Georgia Agea Capital, LLC Georgia Atlanticus Funding IV LLC Georgia Atlanticus Funding VII, LLC Georgia Atlanticus Holdings Corporation Georgia Atlanticus Services Corporation Georgia Cahaba

Second Amendment to the Series 2018-Three Indenture Supplement for Perimeter Master Note Business Trust, dated November 13, 2019

Exhibit 10.11(h) SECOND AMENDMENT TO THE SERIES 2018-THREE INDENTURE SUPPLEMENT This Second Amendment to the Series 2018-Three Indenture Supplement (the “Amendment”), dated as of November 13, 2019, among Perimeter Master Note Business Trust, a business trust organized and existing under the laws of the State of Nevada (herein, the “Issuer” or the “Trust”), Access Financing, LLC, a Georgia limited

Seventh Amendment to Loan and Security Agreement, dated November 5, 2019

Exhibit 10.13(g) SEVENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT THIS SEVENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is made and entered into as of the 5th day of November, 2019, by and among ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation, as Borrower (“Borrower”), certain Subsidiaries of Borrower as guarantors (“Guarantors”), and DOVE VENTURES, LLC, a Nevada limited

Eighth Amendment to Loan and Security Agreement, dated November 19, 2019

Exhibit 10.13(h) EIGHTH AMENDMENT TO LOAN AND SECURITY AGREEMENT THIS EIGHTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is made and entered into as of the 19th day of November, 2019, by and among ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation, as Borrower (“Borrower”), certain Subsidiaries of Borrower as guarantors (“Guarantors”), and DOVE VENTURES, LLC, a Nevada limited l

Ninth Amendment to Loan and Security Agreement, dated December 20, 2019

Exhibit 10.13(i) NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT THIS NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is made and entered into as of the 20th day of December, 2019, by and among ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation, as Borrower (“Borrower”), certain Subsidiaries of Borrower as guarantors (“Guarantors”), and DOVE VENTURES, LLC, a Nevada limited lia

Amended and Restated Operating Agreement of Access Financial Holdings, LLC, dated November 14, 2019

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Series 2018-Three Indenture Supplement for Perimeter Master Note Business Trust, dated November 16, 2018

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

First Amendment to Purchase Agreement, dated November 13, 2019, among TSO-Fortiva Notes Holdco LP, Perimeter Funding Corporation, Access Financing, LLC and Perimeter Master Note Business Trust

Exhibit 10.11(p) FIRST AMENDMENT TO PURCHASE AGREEMENT This FIRST AMENDMENT, dated as of November 13, 2019 (this “Amendment”), to the PURCHASE AGREEMENT, dated as of November 16, 2018 (the “Existing Agreement” and as amended by this Amendment, the “Agreement”), among PERIMETER MASTER NOTE BUSINESS TRUST, a business trust organized and existing under the laws of the State of Nevada, as issuer (the

Fourth Amendment to Purchase Agreement, dated January 23, 2020, among TSO-Fortiva Notes Holdco LP, TSO-Fortiva Certificate Holdco LP, Perimeter Funding Corporation, Access Financing, LLC and Perimeter Master Note Business Trust

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

First Amendment to the Amended and Restated Series 2017-One Indenture Supplement for Perimeter Master Note Business Trust, dated November 16, 2018

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Second Amendment to the Amended and Restated Series 2017-One Indenture Supplement for Perimeter Master Note Business Trust, dated September 20, 2019

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

ATLC / Atlanticus Holdings Corp. 10-K - Annual Report - FORM 10-K

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K Annual Report for the year ended December 31, 2019 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered pur

Amended and Restated Series 2017-One Indenture Supplement for Perimeter Master Note Business Trust, dated June 11, 2018

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Third Amendment to the Amended and Restated Series 2017-One Indenture Supplement for Perimeter Master Note Business Trust, dated November 13, 2019

Exhibit 10.11(d) THIRD AMENDMENT TO THE AMENDED AND RESTATED SERIES 2017-ONE INDENTURE SUPPLEMENT This Third Amendment to the Amended and Restated Series 2017-One Indenture Supplement (the “Amendment”), dated as of November 13, 2019, among Perimeter Master Note Business Trust, a business trust organized and existing under the laws of the State of Nevada (herein, the “Issuer” or the “Trust”), Acces

Fourth Amendment to the Amended and Restated Series 2017-One Indenture Supplement for Perimeter Master Note Business Trust, dated January 23, 2020

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Purchase Agreement, dated November 16, 2018, among TSO-Fortiva Notes Holdco LP, Perimeter Funding Corporation, Access Financing, LLC and Perimeter Master Note Business Trust

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Description of Common Stock of Atlanticus Holdings Corporation

Exhibit 4.1 DESCRIPTION OF SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED The following is a summary description of the common stock, no par value per share, of Atlanticus Holdings Corporation (“Atlanticus”), which is the only security of Atlanticus registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended. DESCRIPTION OF

Third Amendment to Series 2018-Three Indenture Supplement for Perimeter Master Note Business Trust, dated January 23, 2020

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Payoff Letter, dated December 27, 2019, between Dove Ventures, LLC and Atlanticus Holdings Corporation

Exhibit 10.13(j) DOVE VENTURES, LLC 101 Convention Center Drive, Suite 850 Las Vegas, NV 89109 December 27, 2019 ATLANTICUS HOLDINGS CORPORATION Five Concourse Parkway Suite 300 Atlanta, GA 30328 Attn: Chief Financial Officer Ladies and Gentlemen: Reference is hereby made to that certain Loan and Security Agreement dated as of November 26, 2014, (as amended, restated, supplemented or otherwise mod

First Amendment to the Series 2018-Three Indenture Supplement for Perimeter Master Note Business Trust, dated October 9, 2019

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Series 2019-One Indenture Supplement for Perimeter Master Note Business Trust, dated June 12, 2019

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

ATLC / Atlanticus Holdings Corp. PRE 14A - - FORM PRE 14A

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy Statement ☐ Definitive Additional Materials ☐ Soliciting Material Pursuant to § 240.

ATLC / Atlanticus Holdings Corp. / HANNA DAVID G - SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 1) Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) David G. Hanna Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a co

ATLC / Atlanticus Holdings Corp. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 9)* ATLANTICUS HOLDINGS CORP (Name of Issuer) Common Stock (Title of Class of Securities) 04914Y102 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

ATLC / Atlanticus Holdings Corp. / HANNA DAVID G - SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) David G. Hanna Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a copy to: Paul Davis

Joint Filing Agreement

Exhibit A Joint Filing Agreement This agreement is made pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended (the “Act”), by and among the parties listed below, each referred to herein as a “Joint Filer.

ATLC / Atlanticus Holdings Corp. / HANNA FRANK J III - SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 04914Y102 (CUSIP Number) Frank J. Hanna, III c/o Atlanticus Holdings Corporation Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 With a copy to: Pa

Joint Filing Agreement

Exhibit A Joint Filing Agreement This agreement is made pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended (the “Act”), by and among the parties listed below, each referred to herein as a “Joint Filer.

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 20, 2019 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

Articles of Amendment Establishing Cumulative Convertible Preferred Stock, Series A

Exhibit 3.1 ATLANTICUS HOLDINGS CORPORATION ARTICLES OF AMENDMENT ESTABLISHING CUMULATIVE CONVERTIBLE PREFERRED STOCK, SERIES A Atlanticus Holdings Corporation, a Georgia corporation (the “Company”), acting pursuant to Section 14-2-602 of the Georgia Business Corporation Code, does hereby submit the following Articles of Amendment establishing its Cumulative Convertible Preferred Stock, Series A.

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 14, 2019 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

ATLC / Atlanticus Holdings Corp. 10-Q - Quarterly Report - FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended September 30, 2019 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered purs

Outside Director Compensation Package

Exhibit 10.1 OUTSIDE DIRECTOR COMPENSATION PACKAGE Effective January 1, 2020, Atlanticus Holdings Corporation (the “Company”) will pay each outside director who is independent in accordance with the NASDAQ and SEC rules governing director independence (an “Eligible Director”) the following for service to the Company: Annual Cash Retainer $ 50,000 Attendance Fee for Each Board Meeting (including te

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 26, 2019 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Com

ATLANTICUS HOLDINGS CORPORATION ANNOUNCES REPURCHASE OF $54 MILLION IN CONVERTIBLE SENIOR NOTES IN EXCHANGE FOR CASH AND TERM NOTE

Exhibit 99.1 ATLANTICUS HOLDINGS CORPORATION ANNOUNCES REPURCHASE OF $54 MILLION IN CONVERTIBLE SENIOR NOTES IN EXCHANGE FOR CASH AND TERM NOTE ATLANTA, Aug. 29, 2019 - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus”, “we”, “our” or “us”), a technology-enabled consumer finance company, announced the repurchase of $54.4 million in face amount of its outstanding 5.875% convertible senio

PROMISSORY NOTE

Exhibit 99.2 PROMISSORY NOTE THE SECURITY EVIDENCED BY THIS PROMISSORY NOTE (THE “SECURITY”) HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (“SECURITIES ACT OF 1933”), OR ANY STATE SECURITIES LAWS, AND MAY NOT BE OFFERED OR SOLD EXCEPT AS SET FORTH IN THE FOLLOWING SENTENCE. BY ACQUISITION HEREOF, THE HOLDER: (1) REPRESENTS THAT IT IS A “QUALIFIED INSTITUTIONAL BUYER” AS DEFI

Form of Stock Option Agreement–Employees

Exhibit 10.5 [Form for Employees] ATLANTICUS HOLDINGS CORPORATION NONQUALIFIED STOCK OPTION COMMON STOCK (No Par Value) PLAN: Atlanticus Holdings Corporation Fourth Amended and Restated 2014 Equity Incentive Plan OPTION FOR THE PURCHASE OF: Shares EXERCISE PRICE PER SHARE: $ DATE OF GRANT: THIS OPTION AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and between ATLANTICUS

Form of Restricted Stock Agreement - Directors

Exhibit 10.2 [Form for Directors] ATLANTICUS HOLDINGS CORPORATION RESTRICTED STOCK AGREEMENT PLAN: Atlanticus Holdings Corporation Fourth Amended and Restated 2014 Equity Incentive Plan SHARES OF RESTRICTED STOCK: Shares DATE OF GRANT: THIS RESTRICTED STOCK AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (

ATLC / Atlanticus Holdings Corp. 10-Q - Quarterly Report - FORM 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended June 30, 2019 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered pursuant

Form of Stock Option Agreement–Directors

Exhibit 10.4 [Form for Directors] ATLANTICUS HOLDINGS CORPORATION NONQUALIFIED STOCK OPTION COMMON STOCK (No Par Value) PLAN: Atlanticus Holdings Corporation Fourth Amended and Restated 2014 Equity Incentive Plan OPTION FOR THE PURCHASE OF: Shares EXERCISE PRICE PER SHARE: $ DATE OF GRANT: THIS OPTION AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and between ATLANTICUS

Form of Restricted Stock Unit Agreement–Employees

Exhibit 10.7 [Form for Employees] ATLANTICUS HOLDINGS CORPORATION RESTRICTED STOCK UNIT AGREEMENT PLAN: Atlanticus Holdings Corporation Fourth Amended and Restated 2014 Equity Incentive Plan NUMBER OF RESTRICTED STOCK UNITS: DATE OF GRANT: THIS RESTRICTED STOCK UNIT AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corp

Form of Restricted Stock Unit Agreement–Directors

Exhibit 10.6 [Form for Directors] ATLANTICUS HOLDINGS CORPORATION RESTRICTED STOCK UNIT AGREEMENT PLAN: Atlanticus Holdings Corporation Fourth Amended and Restated 2014 Equity Incentive Plan NUMBER OF RESTRICTED STOCK UNITS: DATE OF GRANT: THIS RESTRICTED STOCK UNIT AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corp

Form of Restricted Stock Agreement–Employees

Exhibit 10.3 [Form for Employees] ATLANTICUS HOLDINGS CORPORATION RESTRICTED STOCK AGREEMENT PLAN: Atlanticus Holdings Corporation Fourth Amended and Restated 2014 Equity Incentive Plan SHARES OF RESTRICTED STOCK: Shares DATE OF GRANT: THIS RESTRICTED STOCK AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation (

ATLC / Atlanticus Holdings Corp. S-8 FORM S-8

As filed with the Securities and Exchange Commission on May 17, 2019 Registration No.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2019 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commiss

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2019 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Commiss

Program Management Agreement, dated April 1, 2017, between Mid America Bank & Trust Company and Atlanticus Services Corporation

Exhibit 10.2 PROGRAM MANAGEMENT AGREEMENT THIS PROGRAM MANAGEMENT AGREEMENT (this “Agreement”), dated as of April 1, 2017 (“Effective Date”), is made by and between MID AMERICA BANK & TRUST COMPANY, a Missouri state-chartered bank, having its principal location in Dixon, Missouri (“Bank”), and ATLANTICUS SERVICES CORPORATION, a Georgia corporation, having its principal location in Atlanta, Georgia

Assignment and Assumption Agreement, dated March 24, 2018, among Mid America Bank & Trust Company, Fortiva Funding, LLC and The Bank of Missouri

Exhibit 10.2(c) ASSIGNMENT AND ASSUMPTION AGREEMENT This Assignment and Assumption Agreement (“Assignment”) is made by and between MID AMERICA BANK & TRUST COMPANY, a Missouri state-chartered bank, having its principal location in Dixon, Missouri (“Bank”), FORTIVA FUNDING, LLC, (“FORTIVA”), a Georgia limited liability company, and THE BANK OF MISSOURI, a Missouri state-chartered bank having its pr

Amended and Restated Receivable Sales Agreement, dated April 1, 2017, between Mid America Bank & Trust Company and Fortiva Funding, LLC

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

Quarterly Report on Form 10-Q for the fiscal quarter ended March 31, 2019

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended March 31, 2019 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered pursuant

Assignment and Assumption Agreement, dated March 24, 2018, among Mid America Bank & Trust Company, Atlanticus Services Corporation and The Bank of Missouri

Exhibit 10.2(b) ASSIGNMENT AND ASSUMPTION AGREEMENT This Assignment and Assumption Agreement (“Assignment”) is made by and between MID AMERICA BANK & TRUST COMPANY, a Missouri state-chartered bank, having its principal location in Dixon, Missouri (“Bank”), Atlanticus Services Corporation (“Atlanticus”), a Georgia Corporation, and THE BANK OF MISSOURI, a Missouri state-chartered bank having its pri

Atlanticus Holdings Corporation Fourth Amended and Restated 2014 Equity Incentive Plan

DEF 14A 1 atlc20190409def14a.htm FORM DEF 14A SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as p

Sixth Amendment to Loan and Security Agreement, dated November 21, 2018

Exhibit 10.13(f) SIXTH AMENDMENT TO LOAN AND SECURITY AGREEMENT THIS SIXTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this“Amendment”) is made and entered into as of the 21st day of November, 2018, by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation, as Borrower (“Borrower”), certain Subsidiaries of Borrower as guarantors (“Guarantors”), and DOVE VENTURES, LLC, a Nevada limited li

Annual Report on Form 10-K for the year ended December 31, 2018

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K For the year ended December 31, 2018 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered pursuant to Secti

Form of Stock Option Agreement–Employees

Exhibit 10.2(d) [Form for Employees] ATLANTICUS HOLDINGS CORPORATION NONQUALIFIED STOCK OPTION COMMON STOCK (No Par Value) STOCK OPTION PLAN: Atlanticus Holdings Corporation Second Amended and Restated 2014 Equity Incentive Plan OPTION FOR THE PURCHASE OF: Shares EXERCISE PRICE PER SHARE: $ DATE OF GRANT: THIS OPTION AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and bet

Form of Restricted Stock Agreement–Employees

Exhibit 10.2(b) [Form for Employees] ATLANTICUS HOLDINGS CORPORATION RESTRICTED STOCK AGREEMENT PLAN: Atlanticus Holdings Corporation Second Amended and Restated 2014 Equity Incentive Plan SHARES OF RESTRICTED STOCK: Shares DATE OF GRANT: THIS RESTRICTED STOCK AGREEMENT (this “Agreement”), made and entered into this day of , 20 , by and between ATLANTICUS HOLDINGS CORPORATION, a Georgia corporatio

Master Indenture for Fortiva Retail Credit Master Note Business Trust, dated November 9, 2018, among Fortiva Retail Credit Master Note Business Trust, U.S. Bank National Association and Access Financing, LLC

Exhibit 10.12 MASTER INDENTURE Dated as of November 9, 2018 FORTIVA RETAIL CREDIT MASTER NOTE BUSINESS TRUST among FORTIVA RETAIL CREDIT MASTER NOTE BUSINESS TRUST, as Issuer, U.S. BANK NATIONAL ASSOCIATION, as Indenture Trustee, and ACCESS FINANCING, LLC, as Servicer 1 MASTER INDENTURE, dated as of November 9, 2018, among FORTIVA RETAIL CREDIT MASTER NOTE BUSINESS TRUST, a business trust organize

Fifth Amendment to Loan and Security Agreement, dated October 22, 2018

Exhibit 10.13(e) FIFTH AMENDMENT TO LOAN AND SECURITY AGREEMENT THIS FIFTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is made and entered into as of the 22nd day of October, 2018, by and among ATLANTICUS HOLDINGS CORPORATION, a Georgia corporation, as Borrower (“Borrower”), certain Subsidiaries of Borrower as guarantors (“Guarantors”, and together with the Borrower, the “Credit Pa

Amended and Restated Trust Agreement, dated November 9, 2018, between FRC Funding Corporation and Wilmington Trust, National Association

Exhibit 10.12(b) AMENDED AND RESTATED TRUST AGREEMENT Dated as of November 9, 2018 FORTIVA RETAIL CREDIT MASTER NOTE BUSINESS TRUST between FRC FUNDING CORPORATION as Transferor and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Owner Trustee 1 AMENDED AND RESTATED TRUST AGREEMENT of FORTIVA RETAIL CREDIT MASTER NOTE BUSINESS TRUST, dated as of November 9, 2018, between FRC FUNDING CORPORATION, organi

Series 2018-One Indenture Supplement for Fortiva Retail Credit Master Note Business Trust, dated November 9, 2018

Exhibit 10.12(a) CERTAIN CONFIDENTIAL MATERIAL APPEARING IN THIS DOCUMENT, MARKED BY [*****] HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 PROMULGATED UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED SERIES 2018-ONE INDENTURE SUPPLEMENT Dated as of November 9, 2018 to MASTER INDENTURE Dated as of November 9, 2018 Series 2018-One Asset

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Name State or other Jurisdiction of Incorporation or Organization 59DH, LLC (1) Georgia AAMG, LLC Georgia Access Financial Holdings, LLC Georgia Access Financing LLC Georgia Agea Capital, LLC Georgia Atlanticus Funding IV LLC Georgia Atlanticus Funding VII, LLC Georgia Atlanticus Holdings Corporation Georgia Atlanticus Services Corporation Georgia Cahaba

ATLC / Atlanticus Holdings Corp. / AQR CAPITAL MANAGEMENT LLC - AQR CAPITAL MANAGEMENT LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* ATLANTICUS HOLDINGS CORPORATION (Name of Issuer) Common stock (Title of Class of Securities) 04914Y102 (CUSIP Number) December 31, 2018 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to wh

ATLC / Atlanticus Holdings Corp. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 8)* ATLANTICUS HOLDINGS CORP (Name of Issuer) Common Stock (Title of Class of Securities) 04914Y102 (CUSIP Number) December 31, 2018 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 19, 2018 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 21, 2018 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 27, 2018 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (C

ATLANTICUS HOLDINGS CORPORATION CLOSES $100 MILLION REVOLVING CREDIT FACILITY WITH JPMORGAN CHASE BANK, N.A., ASSOCIATED WITH THE FORTIVA® BRAND

Exhibit 99.1 ATLANTICUS HOLDINGS CORPORATION CLOSES $100 MILLION REVOLVING CREDIT FACILITY WITH JPMORGAN CHASE BANK, N.A., ASSOCIATED WITH THE FORTIVA® BRAND ATLANTA, GA, November 27, 2018 - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus”, “we”, “our” or “us”), a technology enabled consumer finance company, today announced the closing of a $100 million asset-backed, revolving credit f

ATLC / Atlanticus Holdings Corp. FORM 10-Q (Quarterly Report)

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q For the quarterly period ended September 30, 2018 of ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway, Suite 300 Atlanta, Georgia 30328 (770) 828-2000 Atlanticus’ common stock, no par value per share, is registered purs

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 2, 2018 Atlanticus Holdings Corporation (Exact name of registrant as specified in its charter) Georgia 000-53717 58-2336689 (State or other jurisdiction of incorporation) (Co

ATLANTICUS HOLDINGS CORPORATION CLOSES SALE OF $167.3 MILLION ASSET BACKED SECURITIZATION TO SUPPORT THE FORTIVA® BRAND

Exhibit 99.1 ATLANTICUS HOLDINGS CORPORATION CLOSES SALE OF $167.3 MILLION ASSET BACKED SECURITIZATION TO SUPPORT THE FORTIVA® BRAND ATLANTA, GA, November 5, 2018 - Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus”, “we”, “our” or “us”), a technology enabled consumer finance company, today announced an agreement to sell $167.3 million of asset backed securities (“ABS”) secured by Fortiv