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 18, 2023

INTERNATIONAL MONEY EXPRESS, INC.

(Exact name of registrant as specified in charter)

Registrant’s telephone number, including area code: (305) 671-8000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Effective as of April 18, 2023, International Money Express, Inc. (the “Company”) amended its credit facilities and satisfied the conditions with respect to an increase in an aggregate amount of $70,000,000 (the “Revolving Increase”) to the revolving credit commitments available under its existing Amended and Restated Credit Agreement, dated as of June 24, 2021, as amended to date, by and among the Company, certain of its subsidiaries party thereto, KeyBank National Association, as administrative agent and L/C issuer, and a group of banking institutions as lenders party thereto (the “Credit Agreement”).

The Revolving Increase constitutes an increase in the amount of the revolving credit commitments under the Credit Agreement to an aggregate of $220,000,000 from $150,000,000 and will be subject to the same interest rate and other terms applicable to the outstanding revolving credit commitments. The credit commitments under the Revolving Increase are available for general corporate purposes to support the Company’s growth, as well as to fund share repurchases.

In addition, as amended, the Credit Agreement provides the Company with a refreshed uncommitted incremental facility under which the Company may request incremental and or new revolving credit facilities or  term loans in an aggregate amount of up to $70,000,000.

The Revolving Increase was effected pursuant to that certain Second Amendment Agreement, dated as of April 18, 2023 (the “Amendment”).

The foregoing description of the Amendment is qualified in its entirety by reference to the Amendment, which is filed as Exhibit 10.1 hereto and is incorporated herein by reference.

*Filed herewith

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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