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

Rhea-AI Filing Summary

LM Funding America, Inc. Schedule 13G reports that Mitchell P. Kopin, Daniel B. Asher and Intracoastal Capital LLC (the "Reporting Persons") disclosed beneficial ownership related to a transaction under a Securities Purchase Agreement dated August 18, 2025. As of the close of business on August 25, 2025, each Reporting Person may be deemed to beneficially own 405,440 shares of common stock, representing approximately 2.7% of the class based on the issuer's reported outstanding shares and post-transaction share counts. The filing also describes additional shares and warrants subject to exercise and blocker provisions that, if exercisable, would increase deemed beneficial ownership to higher amounts disclosed in the filing.

Positive

• Clear disclosure of beneficial ownership amounts (405,440 shares) and percentage (2.7%)
• Detailed description of warrants and blocker provisions limiting immediate exercise and ownership concentration
• Joint filing agreement included, showing coordinated and compliant reporting among the Reporting Persons

Negative

• No statement of voting intentions beyond shared voting/dispositive power, limiting insight into strategic plans
• Two warrants remain non-exercisable pending stockholder approval, leaving potential future dilution and ownership changes unresolved

Insights

Securities Analyst

TL;DR Reporting Persons disclose a 2.7% stake with warrants and SPA-related issuances that could materially increase ownership if exercised.

The filing clearly states current deemed beneficial ownership of 405,440 shares (2.7%) by each Reporting Person as of August 25, 2025. It also outlines contingent additional shares tied to three warrants and to a Securities Purchase Agreement dated August 18, 2025. Two warrants are not currently exercisable pending stockholder approval and include blocker provisions limiting exercise above specified ownership thresholds. The disclosure is comprehensive for ownership mechanics and limits; it does not provide voting intentions beyond shared voting/dispositive power figures.

Corporate Governance Expert

TL;DR Ownership structure shows shared control and explicit blocker provisions, reducing immediate control risk to the issuer.

The report identifies shared voting powershared dispositive power

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

LM Funding America, Inc.

(Name of Issuer)

Common Stock, par value $0.001 per share

(Title of Class of Securities)

502074503

(CUSIP Number)

08/18/2025

(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. 502074503

1

Names of Reporting Persons

Mitchell P. Kopin

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 405,440.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 405,440.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

405,440.00

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)

2.7 %

12

Type of Reporting Person (See Instructions)

HC, IN

SCHEDULE 13G

CUSIP No. 502074503

1

Names of Reporting Persons

Daniel B. Asher

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 405,440.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 405,440.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

405,440.00

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)

2.7 %

12

Type of Reporting Person (See Instructions)

IV, HC, IN

SCHEDULE 13G

CUSIP No. 502074503

1

Names of Reporting Persons

Intracoastal 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 405,440.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 405,440.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

405,440.00

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)

2.7 %

12

Type of Reporting Person (See Instructions)

HC, OO

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 100, Tampa, Florida 33606
Item 2.
(a)	Name of person filing: This Schedule 13G is being filed on behalf of (i) Mitchell P. Kopin, an individual ("Mr. Kopin"), (ii) Daniel B. Asher, an individual ("Mr. Asher") and (iii) Intracoastal Capital LLC, a Delaware limited liability company ("Intracoastal" and together with Mr. Kopin and Mr. Asher, collectively the "Reporting Persons").
(b)	Address or principal business office or, if none, residence: The principal business office of Mr. Kopin and Intracoastal is 245 Palm Trail, Delray Beach, Florida 33483. The principal business office of Mr. Asher is 1011 Lake Street, Suite 311, Oak Park, Illinois 60301.
(c)	Citizenship: Mr. Kopin is a citizen of the United States of America. Mr. Asher is a citizen of the United States of America. Intracoastal is a Delaware limited liability company.
(d)	Title of class of securities: Common Stock, par value $0.001 per share
(e)	CUSIP No.: 502074503
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: (i) Immediately following the execution of the Securities Purchase Agreement with the Issuer on August 18, 2025 (the "SPA") (as disclosed in the Form 8-K filed by the Issuer with the Securities and Exchange Commission on August 19, 2025), each of the Reporting Persons may have been deemed to have beneficial ownership of 829,873 shares of Common Stock, which consisted of (i) 375,440 shares of Common Stock held by Intracoastal and (ii) 454,433 shares of Common Stock to be issued to Intracoastal at the closing of the transaction contemplated by the SPA, and all such shares of Common Stock represent beneficial ownership of approximately 8.2% of the Common Stock, based on (1) 9,705,123 shares of Common Stock outstanding as of August 18, 2025, as reported by the Issuer, plus (2) 454,433 shares of Common Stock to be issued to Intracoastal at the closing of the transaction contemplated by the SPA. The foregoing excludes (I) 375,440 shares of Common Stock issuable upon exercise of a warrant held by Intracoastal ("Intracoastal Warrant 1") because Intracoastal Warrant 1 is not exercisable until the effective date of stockholder approval of the issuance of the shares of Common Stock issuable upon exercise of Intracoastal Warrant 1 (and Intracoastal Warrant 1 also contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 1 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 9.99% of the Common Stock), (II) 454,433 shares of Common Stock issuable upon exercise of a warrant to be issued to Intracoastal at the closing of the transaction contemplated by the SPA ("Intracoastal Warrant 2") because Intracoastal Warrant 2 is not exercisable until the effective date of stockholder approval of the issuance of the shares of Common Stock issuable upon exercise of Intracoastal Warrant 2 (and Intracoastal Warrant 2 also contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 2 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 9.99% of the Common Stock) and (III) 30,000 shares of Common Stock issuable upon exercise of a second warrant held by Intracoastal ("Intracoastal Warrant 3") because Intracoastal Warrant 3 contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 3 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 4.99% of the Common Stock. Without such blocker provisions (and assuming Intracoastal Warrant 1 and Intracoastal Warrant 2 were currently exercisable), each of the Reporting Persons may have been deemed to have beneficial ownership of 1,689,746 shares of Common Stock. (ii) As of the close of business on August 25, 2025, each of the Reporting Persons may have been deemed to have beneficial ownership of 405,440 shares of Common Stock, which consisted of (i) 375,440 shares of Common Stock held by Intracoastal and (ii) 30,000 shares of Common Stock issuable upon exercise of Intracoastal Warrant 3, and all such shares of Common Stock represent beneficial ownership of approximately 2.7% of the Common Stock, based on (1) 9,705,123 shares of Common Stock outstanding as of August 18, 2025, as reported by the Issuer, plus (2) 5,231,681 shares of Common Stock issued at the closing of the transaction contemplated by the SPA and (3) 30,000 shares of Common Stock issuable upon exercise of Intracoastal Warrant 3. The foregoing excludes (I) 375,440 shares of Common Stock issuable upon exercise of Intracoastal Warrant 1 because Intracoastal Warrant 1 is not exercisable until the effective date of stockholder approval of the issuance of the shares of Common Stock issuable upon exercise of Intracoastal Warrant 1 (and Intracoastal Warrant 1 also contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 1 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 9.99% of the Common Stock) and (II) 454,433 shares of Common Stock issuable upon exercise of Intracoastal Warrant 2 because Intracoastal Warrant 2 is not exercisable until the effective date of stockholder approval of the issuance of the shares of Common Stock issuable upon exercise of Intracoastal Warrant 2 (and Intracoastal Warrant 2 also contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 2 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 9.99% of the Common Stock). Without such blocker provisions (and assuming Intracoastal Warrant 1 and Intracoastal Warrant 2 were currently exercisable), each of the Reporting Persons may have been deemed to have beneficial ownership of 1,235,313 shares of Common Stock.
(b)	Percent of class: 2.7 %
(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: 405,440
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 405,440
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
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 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.

Mitchell P. Kopin

Signature:	/s/ Mitchell P. Kopin
Name/Title:	Mitchell P. Kopin
Date:	08/25/2025

Daniel B. Asher

Signature:	/s/ Daniel B. Asher
Name/Title:	Daniel B. Asher
Date:	08/25/2025

Intracoastal Capital LLC

Signature:	/s/ Mitchell P. Kopin
Name/Title:	Mitchell P. Kopin, Manager
Date:	08/25/2025

Exhibit Information

Exhibit 1 - Joint Filing Agreement

FAQ

What stake does Intracoastal Capital LLC report in LMFA?

As of the close of business on August 25, 2025, Intracoastal Capital LLC may be deemed to beneficially own 405,440 shares of LM Funding America common stock, representing approximately 2.7% of the class.

Who are the reporting persons on this Schedule 13G for LMFA?

The Schedule 13G is filed by Mitchell P. Kopin, Daniel B. Asher, and Intracoastal Capital LLC.

Are there warrants or other instruments that could increase ownership in LMFA?

Yes. The filing discloses three warrants (including two that are not currently exercisable pending stockholder approval) that, if exercisable and without blocker provisions, would increase deemed beneficial ownership to the higher amounts disclosed in the filing.

What voting or dispositive power is reported by the filers?

Each Reporting Person reports 0 sole voting power and 405,440 shared voting power, and similarly 0 sole dispositive and 405,440 shared dispositive power.

Does the filing indicate intent to change control of LMFA?

The certification states the securities were not acquired for the purpose of changing or influencing control of the issuer and were not acquired in connection with any transaction having that purpose, except as noted for nomination activities under the cited rule.