Ainos secures NT$62M short-term credit line

Ainos, Inc. entered into a General Agreement for Omnibus Credit Lines with CTBC Bank Co., Ltd., providing a short-term unsecured credit facility of NT$62,000,000 (approximately US$1,937,800).

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Form Type

8-K

Rhea-AI Filing Summary

Ainos, Inc. entered into a General Agreement for Omnibus Credit Lines with CTBC Bank Co., Ltd., providing a short-term unsecured credit facility of NT$62,000,000 (approximately US$1,937,800). Outstanding borrowings bear interest at 2.5% per annum. The facility has a three-month term and matures on September 30, 2026. It is unsecured and includes customary events of default, giving Ainos additional near-term funding flexibility.

8-K Event Classification

2 items: 2.03, 9.01

2 items

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement Financial

The company incurred a new significant debt or off-balance-sheet obligation.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Credit facility size: NT$62,000,000 Approximate USD amount: US$1,937,800 Interest rate: 2.5% per annum +2 more

5 metrics

Credit facility size NT$62,000,000 Aggregate principal amount under CTBC Bank credit line

Approximate USD amount US$1,937,800 Approximate U.S. dollar equivalent of facility size

Interest rate 2.5% per annum Negotiated rate on outstanding borrowings

Facility term Three months Short-term unsecured credit facility duration

Maturity date September 30, 2026 Stated maturity of the credit facility

Key Terms

short-term unsecured credit facility, General Agreement for Omnibus Credit Lines, events of default, Emerging growth company

4 terms

short-term unsecured credit facility financial

"CTBC Bank has made available to the Company a short-term unsecured credit facility"

General Agreement for Omnibus Credit Lines financial

"entered into a General Agreement for Omnibus Credit Lines"

events of default financial

"The Credit Facility is unsecured and contains customary events of default."

Events of default are specific breaches or failures listed in a loan, bond, or credit agreement that give lenders the right to act, such as demanding immediate repayment, raising interest rates, or taking secured assets. They matter to investors because triggering one is like setting off a financial alarm: it raises the chance of foreclosure, restructuring, or bankruptcy and can sharply reduce the value of a company’s stock or bonds and increase borrowing costs.

Emerging growth company regulatory

"Emerging growth company Item 2.03 Creation of a Direct Financial Obligation"

An emerging growth company is a recently public or smaller public firm that qualifies for temporary, lighter regulatory and disclosure rules to reduce the cost and effort of being public. For investors, it means the company may provide less historical financial detail and face fewer reporting requirements than larger firms, so it can grow more quickly but also carries higher uncertainty—like buying a promising early-stage product with fewer user reviews.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What new credit facility did Ainos (AIMD) obtain from CTBC Bank?

Ainos obtained a short-term unsecured credit facility of NT$62,000,000 (about US$1,937,800) from CTBC Bank. This facility provides additional near-term liquidity under a General Agreement for Omnibus Credit Lines dated July 3, 2026.

What are the interest terms of Ainos (AIMD) new credit line?

Borrowings under Ainos’ new credit facility bear interest at 2.5% per annum. This negotiated rate applies to any outstanding balance during the three-month term of the NT$62,000,000 unsecured credit line with CTBC Bank.

When does Ainos (AIMD) CTBC Bank credit facility mature?

The credit facility between Ainos and CTBC Bank matures on September 30, 2026. It is structured as a three-month short-term unsecured credit line under a General Agreement for Omnibus Credit Lines signed on July 3, 2026.

Is Ainos (AIMD) new credit facility secured by any assets?

The Ainos credit facility with CTBC Bank is explicitly described as unsecured. That means it is not backed by specific collateral, though it includes customary events of default typical for commercial bank credit agreements.

What document governs Ainos (AIMD) credit line with CTBC Bank?

The relationship is governed by a General Agreement for Omnibus Credit Lines dated July 3, 2026. An English translation of this agreement is filed as Exhibit 10.1 and incorporated by reference in the company’s current report.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/09/2026 - 05:29 PM

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 3, 2026

AINOS, INC.

(Exact name of registrant as specified in its charter)

Texas

001-41461

75-1974352

(State or other Jurisdiction

of Incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

8880 Rio San Diego Drive, Ste. 800, San Diego, CA 92108

(858) 869-2986

(Address and telephone number, including area code, of registrant’s principal executive offices)

(Former name or former address if changed since last report.)

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:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.01 per share	AIMD	The Nasdaq Stock Market LLC
Warrants to purchase Common Stock	AIMDW	The Nasdaq Stock Market LLC

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. ☐

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

On July 3, 2026, Ainos, Inc. (the “Company”) entered into a General Agreement for Omnibus Credit Lines (the “Credit Lines Agreement”) with CTBC Bank Co., Ltd. (“CTBC Bank”), a commercial bank organized under the laws of the Republic of China (Taiwan).

Pursuant to the Credit Lines Agreement, CTBC Bank has made available to the Company a short-term unsecured credit facility (the “Credit Facility”) in an aggregate principal amount of NT$62,000,000 (approximately US$1,937,800). Outstanding borrowings under the Credit Facility bear interest at a negotiated rate of 2.5% per annum. The Credit Facility has a term of three months and matures on September 30, 2026. The Credit Facility is unsecured and contains customary events of default.

The foregoing description of the Credit Lines Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the General Agreement for Omnibus Credit Lines, English translations of which is filed as Exhibit 10.1, to this Current Report on Form 8-K and is incorporated herein by reference.

Item 9.01 Financial Statement and Exhibits

(d) Exhibits.

Exhibit No.		Description
10.1		English Translation of General Agreement for Omnibus Credit Lines, dated July 3, 2026
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

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.

	Ainos, Inc.

Date: July 9, 2026	By:	/s/ Chun-Hsien Tsai
	Name:	Chun-Hsien Tsai
	Title:	Chief Executive Officer

Source: View Original Filing on SEC EDGAR

Filing Exhibits & Attachments

47 documents

Agreements & Contracts

EX-10.1 EX-10.1 28.5 KB