Grove Collaborative updates loan agreement to include credit card receivables

Published 30/09/2025, 21:38
Grove Collaborative updates loan agreement to include credit card receivables

Grove Collaborative Holdings, Inc. (NYSE:GROV), a retail company with $185 million in revenue and current market capitalization of $61 million, announced it has amended its existing Loan and Security Agreement with Siena Lending Group LLC. According to a press release statement included in a recent SEC filing, the amendment was executed on Friday.

The new amendment, identified as Amendment No. 4, modifies the original agreement dated March 10, 2023, and its subsequent amendments. Under the revised terms, certain credit card receivables that meet specified eligibility criteria will now be included in the borrowing base. This change allows Grove Collaborative and its subsidiary, Grove Collaborative, Inc., to potentially increase the amount they can borrow under their asset-based lending facility. The company currently operates with moderate debt levels, maintaining $21.7 million in total debt and a current ratio of 1.33.According to InvestingPro analysis, Grove faces challenging conditions with an 18.4% revenue decline over the last twelve months. Subscribers can access 8 additional key insights about Grove’s financial health and market position.

The company is incorporated in Delaware and operates in the retail catalog and mail-order sector. The amendment follows three previous updates to the agreement, most recently in May 2025.

No additional financial terms or changes to the overall structure of the loan were disclosed in the filing. The information is based on a press release statement included in the company’s SEC filing.

In other recent news, Grove Collaborative Holdings Inc. reported its Q2 2025 earnings, revealing a 15.5% decline in revenue year-over-year to $44 million. Despite this decrease, the company experienced a sequential revenue growth of 1.1%. Grove Collaborative also improved its gross margin to 55.4% and generated a positive operating cash flow of $1 million. Additionally, the company announced a commitment to measure, mitigate, and report the environmental impact of its artificial intelligence adoption. This initiative involves an expanded partnership with the carbon accounting platform Gravity. Grove Collaborative has developed an open-source formula to calculate AI-related carbon emissions and estimates its 2025 AI-related carbon footprint at 17.8 metric tons of CO2e. This figure is equivalent to approximately 6% of the company’s 2024 business travel emissions.

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