MFI Secures $1M Short-Term Loan from Controlling Shareholder at 5% Interest

Rhea-AI Filing Summary

mF International Limited disclosed that on August 26, 2025 it entered an unsecured term loan agreement with its controlling shareholder, Fire Lucky Investment Co., Ltd., providing the company with a $1,000,000 loan. The loan carries a 5% per annum interest rate payable at maturity, is due on December 25, 2025, and may be prepaid without penalty with at least ten business days' written notice to Fire Lucky. The audit committee and the board approved the related-party transaction on August 25, 2025. The company furnished the full loan agreement as Exhibit 99.1 to the Form 6-K.

Positive

• $1,000,000 immediate liquidity provided by controlling shareholder
• Loan is prepayable without penalty with ten business days' written notice, offering repayment flexibility
• Transaction was approved by the audit committee and board, and the full agreement is furnished as an exhibit

Negative

• Loan is a related-party transaction with the controlling shareholder, which may raise governance and independence concerns
• Agreement is unsecured, offering no creditor protection if the company faces financial stress
• Short maturity on December 25, 2025 creates near-term repayment or refinancing risk

Insights

Financial Analyst

TL;DR: Short-term $1.0M related-party loan provides liquidity but is a near-term obligation requiring repayment or refinancing by December 25, 2025.

The transaction supplies immediate cash through an unsecured $1,000,000 loan at a 5% fixed annual rate with interest due at maturity. Because it is unsecured and short-term (roughly four months from the August 26 signing), the company will need to manage repayment timing or refinance risk. The loan's cost is explicit and modest in absolute terms, but materiality depends on the company’s overall cash needs and balance sheet size, which are not stated in the filing. Approval by the audit committee and board follows governance protocols for related-party transactions.

Corporate Governance Expert

TL;DR: Board and audit committee approval documented, but related-party status warrants disclosure and careful oversight.

The filing properly discloses that the lender is the controlling shareholder and that the audit committee and board approved the loan prior to execution, which aligns with standard corporate governance practices for related-party deals. The unsecured nature and short maturity increase the importance of transparent documentation and monitoring. The company furnished the loan agreement as an exhibit, enabling investor review of terms. No breach of procedure is evident from the disclosure alone.

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: 001-42027

mF International Limited

Unit 1801, Fortis Tower, 77-79 Gloucester Road,

Wan Chai, Hong Kong

(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 ☒ Form 40-F ☐

Entry into Material Definitive Agreements

On August 26, 2025, mF International Limited (the “Company”) entered into an unsecured term loan agreement with Fire Lucky Investment Co., Ltd. (the “Loan Agreement”), the controlling shareholder of the Company (“Fire Lucky”), pursuant to which Fire Lucky agreed to lend the Company $1,000,000 (the “Loan”). The Loan bears interest at the rate of 5% per annum, payable upon maturity of the Loan, matures on December 25, 2025, and is prepayable without penalty upon at least ten business days’ written notice to Fire Lucky.

As a related party transaction, the Loan was approved by the Company’s audit committee and its board of directors on August 25, 2025.

The foregoing summary of the Loan Agreement is qualified in its entirety by reference to the full text of such agreement, which is furnished as an exhibit to this report on Form 6-K as Exhibit 99.1.

Exhibit Index

Exhibit No.						Description
99.1						Loan Agreement dated August 26, 2025 by and between the Company and Fire Lucky

2

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.

			mF International Limited
Date: August 29, 2025			By:			/s/ Haoyu Wang
			Name:			Haoyu Wang
			Title:			Chief Executive Officer and Executive Director

3

4907-3650-5187, v. 3

FAQ

What are the main terms of the loan disclosed by mF International (MFI)?

The loan is for $1,000,000, bears interest at 5% per annum payable at maturity, matures on December 25, 2025, and is prepayable without penalty with at least ten business days' written notice.

Who is the lender in the Form 6-K filing for MFI?

The lender is the company's controlling shareholder, Fire Lucky Investment Co., Ltd.

Was the related-party loan approved by the company’s governance bodies?

Yes. The loan was approved by MFI's audit committee and board of directors on August 25, 2025, prior to execution.

Is the loan secured or unsecured according to the filing?

The filing states the loan is unsecured.

Where can investors find the full loan agreement for MFI's transaction?

The company furnished the full loan agreement as Exhibit 99.1 to the Form 6-K.