LAAI (LAAI) notifies SEC of late 10-Q filing, seeks 5-day extension

Rhea-AI Filing Summary

Loan Artificial Intelligence Corp. notified the SEC that it could not file its Form 10-Q for the period ended March 31, 2026 on time because it needs additional time to complete the financial statements and prepare the report. The company states it anticipates using the 5-day extension permitted under Rule 12b-25 and expects to file within that period.

Key Figures

Quarter end: March 31, 2026 Extension requested: 5 days Notice signed: May 18, 2026

3 metrics

Quarter end March 31, 2026 Period ended for the delayed Form 10-Q

Extension requested 5 days Permitted additional time under Rule 12b-25 for a quarterly report

Notice signed May 18, 2026 Date the registrant signed the Form 12b-25 notification

Key Terms

Rule 12b-25, Form 10-Q, Notification of Late Filing

3 terms

Rule 12b-25 regulatory

"The registrant anticipates that it will require no more than the additional 5 days"

Rule 12b-25 is an SEC filing provision that lets a company notify regulators and the public that it cannot file a required periodic report (like a quarterly or annual report) on time and explains the reason for the delay. For investors, the notice is a formal heads-up that financial information will arrive late—similar to a company calling to say it will be late turning in homework—so it signals increased uncertainty and may affect trading and risk assessments until the filing is available.

Form 10-Q regulatory

"The registrant’s quarterly report on Form 10-Q for the three months ended March 31, 2026"

A Form 10-Q is a detailed report that publicly traded companies are required to file with regulators three times a year, providing an update on their financial health and business activities. It is important for investors because it offers timely insights into a company's performance, helping them make informed decisions about buying or selling stocks. Think of it as a regular check-up report that shows how well a company is doing.

Notification of Late Filing regulatory

"FORM 12b-25 NOTIFICATION OF LATE FILING"

A notification of late filing is a formal public statement that a company failed to submit a required regulatory report (for example, quarterly or annual financial statements) by the deadline. It matters to investors because missed filings can signal accounting, operational, or governance problems, may lead to fines or trading restrictions, and increases uncertainty about the company's transparency—like a public “we missed the deadline” flag that raises risk for shareholders.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON D.C. 20549

FORM 12b-25

NOTIFICATION OF LATE FILING

(Check One):	☐	Form 10-K	☐	Form 20-F	☐	Form 11-K
	☒	Form 10-Q	☐	Form 10-D	☐	Form N-CEN	☐	Form N-CSR

For Period Ended: March 31, 2026

☐ Transition Report on Form 10-K

☐ Transition Report on Form 20-F

☐ Transition Report on Form 11-K

☐ Transition Report on Form 10-Q

For the Transition Period Ended: _______________________________________

Read Instruction (on back page) Before Preparing Form. Please Print or Type.

Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.

If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates:

PART I - REGISTRANT INFORMATION

Loan Artificial Intelligence Corp.

Full Name of Registrant

Former Name if Applicable

1113, Lippo Centre Tower 2, 89 Queensway

Address of Principal Executive Office (Street and Number)

Admiralty, Hong Kong 000-000

City, State, Zip Code

PART II - RULES 12b-25 (b) AND (c)

If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the following should be completed. (Check box if appropriate)

	(a)	The reasons described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense;
☒	(b)	The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, Form 11-K, Form N-CEN or Form N-CSR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject ☐ quarterly report or transition report on Form 10-Q or subject distribution report on Form 10-D, or portion thereof, will be filed on or before the fifth calendar day following the prescribed due date; and
	(c)	The accountant's statement or other exhibit required by Rule 12b-25(c) has been attached if applicable.

PART III - NARRATIVE

State below in reasonable detail why Forms 10-K, 20-F, 11-K, 10-Q, 10-D, N-CEN, N-CSR, or the transition report or portion thereof, could not be filed within the prescribed time period.

The registrant’s quarterly report on Form 10-Q for the three months ended March 31, 2026, could not be filed within the prescribed time period because the Company needs additional time to complete the financial statements and to prepare the Form 10-Q. The registrant anticipates that it will require no more than the additional 5 days allowed to complete and file the Form 10-Q.

PART IV - OTHER INFORMATION

(1) Name and telephone number of person to contact in regard to this notification:

Raymond Fu		+852		3703-6155
(Name)		(Area Code)		(Telephone No.)

(2)	Have all other periodic reports required under section 13 or 15(d) of the Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of 1940 during the preceding 12 months or for such shorter period that the registrant was required to file such report(s) been filed? If the answer is no, identify report(s).
	☒ Yes ☐ No
(3)	Is it anticipated that any significant change in results of operations from the corresponding period for the last fiscal year will be reflected by the earnings statements to be included in the subject report or portion thereof?
	☐ Yes ☒ No

If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why a reasonable estimate of the results cannot be made.

_______________________________________________________________________________________

2

Loan Artificial Intelligence Corp.

(Name of Registrant as Specified in Charter)

has caused this notification to be signed on its behalf by the undersigned thereunto duly authorized.

Date: May 18, 2026	By:	/s/ Raymond Fu
	Name:	Raymond Fu
	Title:	Chief Executive Officer

3

FAQ

Why did LAAI file a Form 12b-25 for the March 31, 2026 Form 10-Q?

LAAI says it needs extra time to complete its financial statements and to prepare the Form 10-Q. The company anticipates taking the permitted 5-calendar-day extension to finish and file the report.

How long will LAAI take to file the delayed Form 10-Q (LAAI)?

The registrant states it will require no more than the additional 5 days allowed under Rule 12b-25. That extension applies to quarterly reports and follows the prescribed due date.

Who signed the late-filing notification for LAAI and when?

The notification was signed by Raymond Fu, Chief Executive Officer, on May 18, 2026. The filing includes his contact telephone number for follow-up.

Does the 12b-25 notice say whether other periodic reports are delinquent for LAAI?

The form indicates all other periodic reports required under sections 13 or 15(d) have been filed. The checkbox for prior required reports is marked "Yes."

Will the delayed filing reflect a significant change in results for LAAI?

The company answered the question about significant changes with the form's standard checkbox structure; it did not attach an explanatory narrative stating an anticipated material change in results for the quarter.