Welcome to our dedicated page for Flexshopper SEC filings (Ticker: FPAY), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The FlexShopper, Inc. (FPAY) SEC filings page brings together the company’s regulatory disclosures, which are central to understanding its lease-to-own and lending business, financing structure, and listing status. FlexShopper’s filings include annual reports on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K, along with notices of late filing on Form 12b-25 and registration statements related to capital-raising activities. These documents describe how the company structures and funds its lease and loan portfolios, its relationships with lenders, and the risks that may affect its operations.
Recent 8-K filings detail material definitive agreements and amendments to credit agreements entered into by FlexShopper subsidiaries, including forbearance arrangements, interim financing, and an acceleration notice that declared outstanding obligations immediately due and payable and terminated a servicing role. Other filings explain that borrowing base calculations under a key credit agreement were determined to be materially overstated, leading to a borrowing base deficiency and negotiations with lenders over a potential restructuring. The company has disclosed that failure to complete such a restructuring would materially and negatively impact its ability to continue as a going concern.
FlexShopper’s SEC filings also address significant financial reporting issues. In a Form 12b-25 and related 8-K, the board concluded that audited and unaudited financial statements for multiple periods should no longer be relied upon, citing an ongoing independent investigation into alleged forged documents and misrepresentations provided in connection with prior audits. The company has reported delays in filing its Form 10-K for the year ended December 31, 2024, and related Forms 10-Q, and has received Nasdaq notices and a delisting process tied to these filing delinquencies.
On this page, users can review FPAY’s Forms 10-K and 10-Q for detailed financial statements and risk factors, Forms 8-K for material events such as credit agreement changes, leadership transitions, and Nasdaq communications, and Form 12b-25 for explanations of late filings and non-reliance determinations. Insider transactions on Form 4, if and when filed, provide additional insight into equity transactions by directors and officers. Stock Titan’s AI-powered tools can help summarize lengthy filings, highlight key sections on financing, going concern language, and restatements, and make complex disclosures more accessible to investors analyzing FlexShopper’s regulatory history.
FlexShopper, Inc. reported that its wholly owned subsidiary Flex Revolution, LLC has entered into a Forbearance and Sixth Amendment to its credit agreement with BP Fundco, LLC. The lender agreed to continue forbearance on enforcing remedies for existing events of default, including failure to deliver financial statements, a collateral coverage shortfall and minimum liquidity issues, through the earlier of October 27, 2025 or certain trigger events.
The amendment extends the draw period to October 27, 2025 and permits Flex Revolution to request revolving loans above normal availability by up to $750,000 as over-advances, subject to specified uses and detailed requests. Basepoint is funding operations through these over-advances and other funds to facilitate an Article 9 UCC collateral sale scheduled for October 24, 2025. After that sale, any remaining obligations under the credit agreement will either be assumed by the buyer or extinguished, and Flex Revolution is expected to cease operations.
FlexShopper, Inc. filed an Form 8-K reporting a material event that the company received a resignation letter dated September 29, 2025. The filing includes customary cover page and regulatory legends about solicitation and pre-commencement communications. The document was signed on October 1, 2025 by Matthew Doheny, who is identified as the company’s Chief Restructuring Officer. The filing text is brief and provides the resignation date and signature block but does not disclose reasons for the resignation, any successor, or transaction-level financial impacts.
FlexShopper, Inc. reported that Nasdaq has notified the company its common stock has failed to meet the $1.00 minimum bid price requirement for 30 consecutive business days, putting its Nasdaq Global Market listing at risk. The stock continues to trade under the symbol FPAY, and FlexShopper has until March 17, 2026 to restore its closing bid price to at least $1.00 for ten consecutive business days to regain compliance.
If it cannot do so, the company may seek a transfer to the Nasdaq Capital Market and a second 180‑day compliance period, but Nasdaq would need to agree that the deficiency can be cured. FlexShopper also remains out of compliance for late SEC filings of its 2024 Form 10‑K and its Form 10‑Qs for the quarters ended March 31 and June 30, 2025, which must be filed by October 13, 2025 to resolve that separate listing issue. The company notes there is no assurance it will meet either requirement.
FlexShopper, Inc. reported that the administrative agent under its existing credit facility has extended the limited forbearance period previously agreed with its subsidiaries FlexShopper 2, LLC and FlexShopper, LLC. The new forbearance period runs through the earlier of September 3, 2025, or the occurrence of any additional event of default under the credit agreement or servicer default under the servicing agreement, other than the specified existing defaults. All other terms of the limited forbearance and reaffirmation remain unchanged and in full force and effect.
The filing is a Form 3 initial ownership statement for FlexShopper, Inc. (FPAY) by Steven Varner, reporting his relationship as a Director. The date of the event requiring the statement is 07/27/2025. The form explicitly states no securities are beneficially owned by the reporting person. The document is signed by Steven Varner on 08/21/2025.
FlexShopper, Inc. entered into amendments to its existing financing arrangements to address near-term liquidity needs. Through its wholly owned subsidiary FlexShopper 2, LLC, the company and Powerscourt Investments 50, LP, as administrative agent, amended their Credit Agreement and related Fee Letter on August 18, 2025. The changes permit the administrative agent to provide interim financing to the borrower to fund the company’s immediate working capital requirements. These amendments build on the original March 27, 2024 credit facilities and prior amendments completed in April 2025.
FlexShopper, Inc. filed an 8-K reporting certain credit‑related contract documents and its role arrangements dated
FlexShopper, Inc. submitted a Form NT 10-Q notification for the period ended June 30, 2025 indicating it has not filed required periodic reports. The filing identifies two outstanding reports: the Annual Report for the year ended December 31, 2024 and the Quarterly Report for the quarter ended March 31, 2025. The notice includes a contact name, John Davis, President & COO, and checks for standard extension options are present but not completed in the excerpt. No earnings figures, new transactions, or forward-looking results are provided in the text.
This Form 4 is an "Exit" filing by Denis Echtchenko reporting he is no longer serving as a director of FlexShopper, Inc. (FPAY), effective July 27, 2025. The form states the reporting person therefore is no longer subject to Section 16 reporting obligations. No specific securities transactions, holdings, or derivative positions are listed on this filing; it serves solely to register the change in reporting status.