[8-K] LM Funding America, Inc. Reports Material Event

Rhea-AI Filing Summary

LM Funding America, Inc. furnished an earnings press release announcing its financial results for the three and six months ended June 30, 2025. The 8-K states the results are provided in a press release (Exhibit 99.1) and that the furnishing of this information is not deemed to be "filed" for purposes of Section 18 of the Exchange Act. The filing also includes a Cover Page iXBRL interactive data file as Exhibit 104.

The document itself does not present the numeric financial statements or discussion in-line; readers must consult Exhibit 99.1 for the detailed results and metrics referenced by the Company.

Insights

Financial Analyst

TL;DR The company furnished a press release with Q2 results; the 8-K contains no financial figures, so immediate performance assessment is limited.

The 8-K explicitly states that the Company issued a press release announcing financial results for the three and six months ended June 30, 2025 and furnished Exhibit 99.1 and Exhibit 104. Because the filing text does not include the underlying numbers, this notice is a compliance disclosure rather than an analytical summary. To evaluate operating performance, margin trends, credit metrics, or reserve changes, one must review Exhibit 99.1. The "furnished" status also means the press release is not subject to Section 18 liability as filed material.

Corporate Governance Expert

TL;DR Routine 8-K furnishing of earnings press release with iXBRL cover page; no corporate actions or governance changes disclosed.

The filing follows standard disclosure practice by furnishing a financial-results press release and providing an iXBRL cover page. It contains no information about executive changes, material transactions, or amendments to governance documents. The Company clarifies the press release is "furnished" not "filed," which affects incorporation and liability treatment. Given the absence of in-line financial detail or governance items, the 8-K appears procedural rather than transformative.

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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): August 14, 2025

LM FUNDING AMERICA, INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware			001-37605	47-3844457
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
1200 West Platt Street Suite 100
Tampa, Florida				33606
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 813 222-8996

(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 $0.001 per share		LMFA		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 2.02 Results of Operations and Financial Condition.

On August 14, 2025, LM Funding America, Inc. (the “Company”) issued a press release announcing its financial results for the Three and Six Months ended June 30, 2025.

The information furnished in this Item 2.02, including Exhibit 99.1, is not deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liability under that Section. This information will not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except to the extent that the Company specifically incorporates it by reference.

Item 9.01 Financial Statements and Exhibits.

Exhibit Number		Description
99.1		Financial Results Press Release dated August 14, 2025
104		Cover Page Interactive Data File, formatted in Inline Extensible Business Reporting Language (iXBRL)

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.

			LM Funding America, Inc.
Date:	August 14, 2025	By:	/s/ Richard Russell
			Richard Russell, CFO