Welcome to our dedicated page for LM FUNDING AMERICA SEC filings (Ticker: LMFA), 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.
LM Funding America, Inc. filings document a public company centered on Bitcoin treasury and mining operations, with formal disclosures covering production updates, Bitcoin holdings, mining equipment, site-level hashrate, financial results, and operating conditions at its Oklahoma and Mississippi facilities. Form 8-K reports also record material agreements and financing matters tied to the company's capital structure and digital asset collateral.
The filing record includes proxy materials for annual meeting matters, director elections, executive compensation, equity awards, and stockholder voting procedures. Registration and offering-related disclosures address common stock issuance programs, while debt filings describe digital currency loan arrangements secured by company-owned Bitcoin.
Funding America, Inc. entered into a new short-term loan as part of its existing Master Digital Currency Loan Agreement with Galaxy Digital LLC. On January 28, 2026, the company borrowed a new $11 million loan and used the proceeds to fully repay a prior $11 million borrowing that had become due.
The new January 2026 loan is secured by Bitcoin owned by the company and is subject to the same overall terms set by the Loan Agreement. This loan will mature on February 27, 2026, effectively extending the company’s $11 million debt for about one month while remaining collateralized by its digital asset holdings.
LM Funding America, Inc. reported that it received a notice from Nasdaq on January 7, 2026 stating that its consolidated closing bid price had stayed below $1.00 per share for 35 consecutive business days as of January 6, 2026. This means the company is not in compliance with Nasdaq Listing Rule 5550(a)(2), which sets the minimum bid price required to remain listed on The Nasdaq Capital Market, although the notice does not immediately remove the stock from the exchange.
The company has been granted a 180-calendar day grace period, until July 6, 2026, to regain compliance by having its closing bid price at or above $1.00 per share for at least ten consecutive business days. If it still does not meet the rule by that date, it may qualify for a second 180-day period if it meets other Nasdaq initial listing requirements and informs Nasdaq of plans to cure the deficiency, which could include a reverse stock split.
If the company cannot regain compliance and does not qualify for or succeed during a second grace period, its common stock could be delisted, though it would have the option to request a hearing before an independent Nasdaq Hearings Panel. The company states it will monitor its stock price and consider available options, and that the notice does not affect its current business operations or SEC reporting, while warning that there is no assurance it will regain compliance.
LM Funding America, Inc. filed a current report to share that it issued a press release with a Bitcoin production and mining update for the one month ended December 31, 2025. The press release is furnished as Exhibit 99.1 and is incorporated by reference into this report.
The company notes that the information in this item and Exhibit 99.1 is being furnished, not filed, so it is not subject to certain liability provisions of the Exchange Act and is not automatically incorporated into other securities filings. The report also includes standard forward-looking statement language, directing investors to the company’s Form 10-K for the year ended December 31, 2024 and subsequent Form 10-Q and other periodic reports for a discussion of risks that could cause actual results to differ from these statements.
LM Funding America, Inc. reported that the exercise price on certain outstanding common stock warrants has been reduced under existing price protection provisions. The warrants cover an aggregate of 16,670,623 shares of common stock and previously had an exercise price of $0.97 per share. Following an offering described in a prior filing, the exercise price for these warrants has been lowered to $0.48 per share.
This change does not create new warrants, but adjusts the terms of already outstanding warrants based on their contractual anti-dilution terms.
LM Funding America reported Q3 2025 results. Total revenue was $2,178,303, up from $1,255,473 a year ago, driven mainly by digital mining revenue of $2,010,404. Operating loss was $3,516,998, and net loss attributable to common shareholders was $4,077,227 (basic EPS $0.41 loss). For the nine months, revenue was $6,477,964 versus $9,014,424 in 2024, with a net loss to common shareholders of $9,375,347 (basic EPS $1.39 loss).
Liquidity reflects $291,571 cash at September 30, 2025, plus a sizable Bitcoin position. The company held 304.5 Bitcoins with a fair value of $34,729,822 as of quarter‑end; approximately $6.9 million is pledged as collateral. Management concluded there is no substantial doubt about continuing as a going concern.
In August 2025, LM Funding raised approximately $21.3 million net and purchased 164 Bitcoins. On September 16, 2025, it acquired a Mississippi site for about $3.9 million and bought roughly 2,330 miners for about $362,000. The acquired business contributed $92,000 revenue and a $33,000 loss from mid‑September through quarter‑end. Shares outstanding were 15,517,988 as of September 30, 2025.
LM Funding America, Inc. furnished a press release announcing its financial results for the three and nine months ended June 30, 2025. The disclosure was made under Item 2.02 (Results of Operations and Financial Condition) and includes Exhibit 99.1.
The company stated this information is furnished, not filed under the Exchange Act, meaning it is not subject to Section 18 liability and is only incorporated by reference if expressly stated. The 8-K was signed by CFO Richard Russell on November 14, 2025.
LM Funding America announced adjustments to outstanding warrants tied to its August 2025 financing. The exercise price of the August 2025 Warrants was reset to $0.97 per share, and the aggregate number of shares issuable upon exercise increased to 15,516,850 shares after reflecting the company’s October 2025 repurchase of certain warrants.
As a result of these changes, warrants issued in the company’s October 2021 public offering—covering the right to purchase an aggregate of 1,153,774 shares—now also carry an exercise price of $0.97 per share, reduced from $1.10 (originally $2.88). The adjustments were made under the reset and anti‑dilution provisions of the respective warrants.
LM Funding America (LMFA) furnished an update on Bitcoin production and mining activity for the one month ended October 31, 2025. The company reported this under Item 2.02 and attached the update as Exhibit 99.1.
The information was furnished, not filed, so it is not subject to Section 18 liability and will only be incorporated into other filings if specifically referenced. The filing also includes customary forward-looking statement cautions.
LM Funding America announced that its Board authorized a share repurchase program of up to $1.5 million of common stock. Repurchases may occur via open market purchases, block trades, or privately negotiated transactions in compliance with Rule 10b-18, and the Company may adopt a Rule 10b5-1 plan to execute trades under pre-set criteria.
Management will determine timing and volume based on capital needs, market conditions, legal requirements and other factors, and there is no guarantee any shares will be repurchased. The program is expected to be funded from existing cash balances and borrowings under credit facilities. The authorization expires on September 30, 2026 and may be extended, suspended, modified or discontinued at the Board’s discretion.
LM Funding America (LMFA) entered Securities Repurchase Agreements with seven institutional investors and bought back 3,308,575 shares plus associated warrants originally issued in August 2025. Each unit repurchased comprised one share and a warrant to purchase approximately 2.19 shares, at a price of $2.41 per unit, for an aggregate repurchase of about $8 million. The warrants had been adjusted to represent rights to purchase an aggregate of 7,248,787 shares. The repurchase closed on October 30, 2025.
To finance the transaction, LMFA executed a Master Digital Currency Loan Agreement with Galaxy Digital LLC and drew $11 million on October 30, 2025, secured by Bitcoin collateral owned by the company. Proceeds funded the repurchase, with the remainder for general corporate purposes. The loan framework permits borrowings in U.S. Dollars and specified digital assets, includes collateral and margin provisions, default and termination events, and has an initial one‑year term with automatic annual renewals.