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.
Denis Echtchenko filed an initial Form 3 reporting a director relationship with FlexShopper, Inc. (FPAY). The filing identifies Mr. Echtchenko's address at PIMCO, Newport Beach, CA, and records the event date as 12/20/2024. The form discloses that no securities are beneficially owned by the reporting person at the time of the statement. The filing is signed and dated 08/13/2025 and includes an Exhibit 24 Power of Attorney.
FlexShopper, Inc. removed H. Russell Heiser Jr. from his roles as Chief Executive Officer and Chief Financial Officer, effective immediately on August 6, 2025. John Davis, already President and Chief Operating Officer, continues to serve as the company’s principal executive officer as previously disclosed.
On August 11, 2025, FlexShopper engaged North Country Capital LLC to provide interim management and restructuring advisory services, including appointing its president, Matthew A. Doheny, as Chief Restructuring Officer. The engagement brings in nearly three decades of restructuring experience as the company undertakes a formal restructuring effort.