[8-K] COFFEE HOLDING CO INC Reports Material Event

Rhea-AI Filing Summary

Coffee Holding Co., Inc. entered into a Twelfth Loan Modification Agreement with Webster Bank, extending the maturity date of its existing Amended and Restated Loan and Security Agreement to December 28, 2026. The amendment otherwise leaves the prior loan terms in place and now constitutes a direct financial obligation of the company and its wholly owned subsidiary, Organic Products Trading Company LLC, as of March 4, 2026.

8-K Event Classification

3 items: 1.01, 2.03, 9.01

3 items

Item 1.01 Entry into a Material Definitive Agreement Business

The company signed a significant contract such as a merger agreement, credit facility, or major partnership.

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, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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): March 4, 2026

COFFEE HOLDING CO., INC.

(Exact name of registrant as specified in its charter)

Nevada		001-32491		11-2238111
(State or other jurisdiction of incorporation)		(Commission File Number)		(I.R.S. Employer Identification No.)

3475 Victory Boulevard, Staten Island, New York		10314
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (718) 832-0800

Not Applicable

(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 (see General Instruction A.2. below):

☐	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		Name of each exchange on which registered:
Common Stock, Par Value $0.001 Per Share		JVA		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 1.01 Entry into a Material Definitive Agreement.

Amendment to Loan Agreement

Coffee Holding Co., Inc. (the “Company”) and its wholly owned subsidiary, Organic Products Trading Company LLC (together with the Company, the “Borrowers”), are party to an Amended and Restated Loan and Security Agreement (as amended, the “Loan Agreement”), dated April 25, 2017, by and among the Borrowers and Webster Bank (“Lender”).

On March 4, 2026, Borrowers entered into the Twelfth Loan Modification Agreement (the “Amendment”) with the Lender, which amended the Loan Agreement to provide for a new loan maturity date of December 28, 2026.

Other than as modified above, the terms of the Loan Agreement remain in full force and effect.

The foregoing summary of the terms of the Amendment is not intended to be complete and is qualified in its entirety by the terms of the Amendment, a copy of which is attached hereto as Exhibit 10.1.

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

As of March 4, 2026, the Amendment constitutes a direct financial obligation of the Company, the material terms of which are described above under Item 1.01 and are incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

Exhibit No.		Description of Exhibit
10.1		Twelfth Loan Modification Agreement, dated as of March 4, 2026, by and among Coffee Holding Co., Inc., Organic Products Trading Company LLC and Webster Bank.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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.

	Coffee Holding Co., Inc.
	By:	/s/ Andrew Gordon
	Name:	Andrew Gordon
	Title:	President and Chief Executive Officer
Date: March 10, 2026

FAQ

What did Coffee Holding Co., Inc. (JVA) change in its loan agreement?

Coffee Holding Co., Inc. extended the maturity of its existing loan. The company and its subsidiary signed a Twelfth Loan Modification Agreement with Webster Bank, pushing the loan’s maturity date to December 28, 2026 while keeping other terms in full force and effect.

Who is Coffee Holding Co., Inc.’s lending partner in the new amendment?

The lending partner is Webster Bank. Coffee Holding Co., Inc. and its wholly owned subsidiary, Organic Products Trading Company LLC, amended their Amended and Restated Loan and Security Agreement with Webster Bank through the Twelfth Loan Modification Agreement dated March 4, 2026.

When does Coffee Holding Co., Inc.’s amended loan now mature?

The amended loan now matures on December 28, 2026. The Twelfth Loan Modification Agreement specifically changes the maturity date in the existing Amended and Restated Loan and Security Agreement, while leaving the remaining terms otherwise unchanged and in effect.

Does the amendment create a new financial obligation for Coffee Holding (JVA)?

Yes, it constitutes a direct financial obligation. As of March 4, 2026, the Twelfth Loan Modification Agreement is described as a direct financial obligation of Coffee Holding Co., Inc., with its key terms outlined in the amendment and incorporated by reference.

Which subsidiary of Coffee Holding Co., Inc. is included in the loan amendment?

Organic Products Trading Company LLC is included. The wholly owned subsidiary joins Coffee Holding Co., Inc. as a Borrower under the Amended and Restated Loan and Security Agreement and is a party to the Twelfth Loan Modification Agreement with Webster Bank.

Where can investors find the full text of Coffee Holding’s loan modification?

The full text is available as an exhibit. The Twelfth Loan Modification Agreement dated March 4, 2026 is filed as Exhibit 10.1, providing complete terms beyond the brief description summarized in the current report.

Filing Exhibits & Attachments

4 documents

Agreements & Contracts

• EX-10.1 EX-10.1 41.9 KB

Other Documents

• EX-101 XBRL LABEL FILE 33.4 KB
• EX-101 XBRL PRESENTATION FILE 21.8 KB
• EX-101 XBRL SCHEMA FILE 3.0 KB