[SCHEDULE 13G/A] LM Funding America, Inc. SEC Filing

Rhea-AI Filing Summary

Armistice Capital, LLC and Steven Boyd report joint beneficial ownership of 525,583 shares of LM Funding America, Inc. common stock, representing 9.99% of the class based on information from the issuer. The reporting persons state they hold shared voting and dispositive power over these shares and report no sole voting or dispositive power. Armistice Capital is the investment manager of the Master Fund, the direct holder of the shares, and by contract exercises voting and investment power over the Master Fund's securities; the Master Fund disclaims beneficial ownership to the extent it cannot vote or dispose of the shares. The filing certifies the securities were acquired and are held in the ordinary course of business and not to change or influence control of the issuer.

Positive

• Disclosure of a material stake: Reporting persons disclose 525,583 shares (9.99%), providing transparency to the market
• Clear governance detail: Filing explains that Armistice Capital exercises voting and investment power as manager of the Master Fund
• Ordinary-course certification: Reporting persons certify the position was acquired and is held in the ordinary course and not to change control

Negative

• None.

Insights

Securities Analyst

TL;DR Reporting persons disclose a near-10% position with shared voting power, filed as an amendment and claimed to be held in the ordinary course.

The filing shows Armistice Capital and Steven Boyd collectively beneficially own 525,583 shares (9.99%) of LM Funding America, Inc. The structure indicates the Master Fund is the direct holder while Armistice, as investment manager, exercises voting and investment authority under an investment management agreement. The reporting persons explicitly report shared voting and dispositive power and no sole voting or dispositive power, and they certify the position was not acquired to influence control. For investors, this is a material ownership disclosure that increases transparency about a substantial holder without signaling activist intent.

Corporate Governance Expert

TL;DR Joint Schedule 13G/A discloses a significant passive stake with managerial control exercised through an investment adviser relationship.

The document clarifies governance relationships: Armistice Capital manages the Master Fund and thus exercises voting and investment power over the Master Fund's LM Funding America shares, while the Master Fund disclaims direct beneficial ownership due to that management agreement. The filing is a routine, corrective/amendatory disclosure (Amendment No. 3) making clear allocation of voting and disposition rights and confirming the stated non-control purpose. This delineation matters for governance analysis because it documents who can influence votes even when sole powers are not claimed.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 3)

LM FUNDING AMERICA, INC.

(Name of Issuer)

Common Stock par value $0.001 per share

(Title of Class of Securities)

23786R201

(CUSIP Number)

06/30/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 23786R201

1

Names of Reporting Persons

Armistice Capital, LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 525,583.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 525,583.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

525,583.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

9.99 %

12

Type of Reporting Person (See Instructions)

IA, OO

SCHEDULE 13G

CUSIP No. 23786R201

1

Names of Reporting Persons

Steven Boyd

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 525,583.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 525,583.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

525,583.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

9.99 %

12

Type of Reporting Person (See Instructions)

HC, IN

SCHEDULE 13G

Item 1.
(a)	Name of issuer: LM FUNDING AMERICA, INC.
(b)	Address of issuer's principal executive offices: 1200 WEST PLATT STREET, SUITE 404,151, TAMPA, FL, 33606
Item 2.
(a)	Name of person filing: Armistice Capital, LLC Steven Boyd Collectively, the "Reporting Persons"
(b)	Address or principal business office or, if none, residence: Armistice Capital, LLC 510 Madison Avenue, 7th Floor New York, New York 10022 United States of America Steven Boyd c/o Armistice Capital, LLC 510 Madison Avenue, 7th Floor New York, New York 10022 United States of America
(c)	Citizenship: Armistice Capital, LLC - Delaware; Steven Boyd - United States of America
(d)	Title of class of securities: Common Stock par value $0.001 per share
(e)	CUSIP No.: 23786R201
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 525,583
(b)	Percent of class: 9.99 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 525,583
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 525,583 The percentage of Shares reported to be beneficially owned by the Reporting Persons are based on information from the Issuer. Armistice Capital, LLC ("Armistice Capital") is the investment manager of Armistice Capital Master Fund Ltd. (the "Master Fund"), the direct holder of the Shares, and pursuant to an Investment Management Agreement, Armistice Capital exercises voting and investment power over the securities of the Issuer held by the Master Fund and thus may be deemed to beneficially own the securities of the Issuer held by the Master Fund. Mr. Boyd, as the managing member of Armistice Capital, may be deemed to beneficially own the securities of the Issuer held by the Master Fund. The Master Fund specifically disclaims beneficial ownership of the securities of the Issuer directly held by it by virtue of its inability to vote or dispose of such securities as a result of its Investment Management Agreement with Armistice Capital.
Item 5.	Ownership of 5 Percent or Less of a Class.
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. The Master Fund, a Cayman Islands exempted company that is an investment advisory client of Armistice Capital, has the right to receive dividends from, or the proceeds from the sale of, the reported securities.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Armistice Capital, LLC

Signature:	/s/ Steven Boyd
Name/Title:	Steven Boyd - Managing Member
Date:	08/14/2025

Steven Boyd

Signature:	/s/ Steven Boyd
Name/Title:	Steven Boyd
Date:	08/14/2025

Exhibit Information

JOINT FILING STATEMENT PURSUANT TO RULE 13d-1(k) The undersigned acknowledge and agree that the foregoing statement on Schedule 13G/A, is filed on behalf of each of the undersigned and that all subsequent amendments to this statement on Schedule 13G/A, shall be filed on behalf of each of the undersigned without the necessity of filing additional joint acquisition statements. The undersigned acknowledge that each shall be responsible for the timely filing of such amendments, and for the completeness and accuracy of the information concerning him or it contained therein, but shall not be responsible for the completeness and accuracy of the information concerning the others, except to the extent that he or it knows or has reason to believe that such information is inaccurate. Dated: August 14, 2025 Armistice Capital, LLC By: /s/ Steven Boyd Steven Boyd - Managing Member Steven Boyd By: /s/ Steven Boyd

FAQ

How many LM Funding America (LMFA) shares do Armistice Capital and Steven Boyd beneficially own?

They report beneficial ownership of 525,583 shares, representing 9.99% of the class.

Do Armistice Capital or Steven Boyd have sole voting power over the reported LMFA shares?

No. The filing states 0 shares with sole voting power and 525,583 shares with shared voting power.

Who is the direct holder of the LMFA shares referenced in the filing?

The direct holder is Armistice Capital Master Fund Ltd., a Cayman Islands exempted company; Armistice Capital is its investment manager.

Does the filing state the shares were acquired to influence control of LM Funding America?

No. The filing includes a certification that the securities were acquired and are held in the ordinary course of business and not to change or influence control.

What powers over the shares does Armistice Capital claim in the Schedule 13G/A?

Armistice Capital reports shared voting power and shared dispositive power for 525,583 shares and no sole voting or dispositive power.