[6-K] Lotus Technology Inc. American Current Report (Foreign Issuer)

Rhea-AI Filing Summary

On 4 Aug 2025, wholly-owned subsidiary Lotus Technology Innovative Ltd. (LTIL) entered a £80 million loan agreement with Lotus Cars Ltd. (LCL). The facility carries 8 % interest and must be repaid, with all accrued interest, by 31 Dec 2025 or earlier upon LTIL’s demand. The agreement is filed as Exhibit 10.1 to this Form 6-K and is automatically incorporated into Lotus Technology Inc.’s existing post-effective amendments to registration statements (File Nos. 333-279108 & 333-282217).

No balance-sheet data or earnings figures accompany the filing; the document solely discloses the inter-company financing’s key terms for investor awareness.

Positive

• Potential 8 % interest income on up to £80 million enhances short-term revenue streams.
• Demand feature gives LTIL flexibility to recall funds before 31 Dec 2025 if liquidity needs change.

Negative

• Commitment of £80 million cash reduces available liquidity until repaid.
• Exposure to single-borrower credit risk; no collateral or financial covenants disclosed.

Insights

Financial Analyst

TL;DR: £80 m loan at 8 % adds interest income but ties up cash; net effect appears neutral without further liquidity data.

The loan offers Lotus Technology an annualised return of roughly £6.4 m if fully drawn, modestly enhancing short-term income. However, locking up up to £80 m until year-end 2025 could pressure liquidity, depending on the group’s cash reserves, which the filing does not disclose. Because repayment may be demanded earlier, management retains flexibility, mitigating duration risk. Absent visibility into LOT’s cash position or LCL’s credit quality, the transaction’s overall impact on valuation is judged neutral.

Risk Analyst

TL;DR: Transaction concentrates credit risk in a single borrower but short tenor and demand feature limit downside.

Providing a sizable loan to one counterparty exposes LOT to repayment risk if LCL’s cash flow weakens. The 8 % rate implies non-trivial default risk pricing. The demand clause allows early recall, offering a safeguard, yet enforcement could strain an affiliated partner relationship. With maturity inside six months, duration risk is low, but a default could still impair up to £80 m and delay recovery. Overall risk profile skews slightly negative but not materially so given the demand feature.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16
UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of August 2025

Commission File Number: 001-41970

Lotus Technology Inc.

(Translation of registrant’s name into English)

No. 800 Century Avenue

Pudong District, Shanghai, People’s Republic of China

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F x     Form 40-F ¨

INFORMATION CONTAINED IN THIS REPORT ON FORM 6-K

Loan Agreement between Lotus Technology Innovative Limited and Lotus Cars Limited

On August 4, 2025, Lotus Technology Innovative Limited (the “LTIL”), a wholly-owned subsidiary of Lotus Technology Inc. (the “Company”), entered into a loan agreement (the “Loan Agreement”) with Lotus Cars Limited (the “LCL”), pursuant to which LTIL agreed to make a loan to LCL in a maximum amount of GBP 80,000,000 (the “Loan”).

The repayment date of the Loan is December 31, 2025 and the Loan bears an interest rate of 8% per annum. LCL shall repay the Loan, together with all accrued interest accrued and any other amounts then due under the Loan Agreement, on the earlier of the repayment date or following a demand by LTIL.

A copy of the Loan Agreement is included in this current report on Form 6-K as Exhibit 10.1 and the foregoing description of the Loan Agreement is qualified in its entirety by reference thereto.

Incorporation by Reference

This current report on Form 6-K, including the exhibit hereto, is incorporated by reference into the post-effective amendment No. 3 to the registration statement on Form F-1 on Form F-3 (File No. 333-279108) and the post-effective amendment No. 2 to the registration statement on Form F-1 on Form F-3 (File No. 333-282217) and shall be a part of such registration statements from the date on which this current report is furnished, to the extent not superseded by documents or reports subsequently filed or furnished.

EXHIBIT INDEX

Exhibit No.		Description
10.1		Loan Agreement, dated August 4, 2025, by and between Lotus Technology Innovative Limited and Lotus Cars Limited

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, thereunto duly authorized.

	Lotus Technology Inc.
	By	:	/s/ Daxue Wang
	Name	:	Daxue Wang
	Title	:	Chief Financial Officer

Date: August 5, 2025

FAQ

How much is Lotus Technology (LOT) lending to Lotus Cars Limited?

Up to £80 million under the loan agreement dated 4 Aug 2025.

What interest rate will LOT earn on the loan?

The loan carries an 8 % per-annum fixed interest rate.

When is the loan to Lotus Cars due?

The borrower must repay principal and interest by 31 Dec 2025, or sooner if LTIL demands repayment.

Where can investors review the full loan agreement?

The agreement is filed as Exhibit 10.1 to this Form 6-K.

Is this Form 6-K incorporated into LOT’s registration statements?

Yes. It is incorporated by reference into post-effective amendments to Forms F-3 (File Nos. 333-279108 & 333-282217).