[SCHEDULE 13G/A] Oportun Financial Corporation SEC Filing

Rhea-AI Filing Summary

Oportun Financial Corp (OPRT) received a Schedule 13G/A disclosing that a group of related Castlelake entities and two individuals collectively may be deemed the beneficial owners of 2,426,503 shares of Oportun common stock, representing approximately 5.5% of the 44,009,399 shares outstanding used for the calculation. The shares are held directly by McLaren Harbor, LLC and the reporting group indicates shared voting and dispositive power over all 2,426,503 shares and no sole voting or dispositive power. Reporting persons include McLaren Harbor, LLC; CL VI Ventures Offshore, L.P.; Castlelake VI GP, L.P.; Castlelake L.P.; and individuals Rory O'Neill and Evan Carruthers. The filing includes a joint filing agreement and a certification that the stake was not acquired to change control.

Positive

• Material ownership disclosed: Reporting Persons collectively disclose 2,426,503 shares (5.5%), meeting SEC transparency requirements
• Clear power allocation: Filing specifies shared voting and dispositive power and zero sole power, reducing ambiguity about control
• Joint filing agreement and certification included: Documents indicate the stake is not intended to change issuer control

Negative

• None.

Insights

Securities Analyst

TL;DR: A Castlelake-affiliated group discloses a 5.5% shared stake (2.43M shares), providing material ownership transparency.

The Schedule 13G/A reports a non-control group holding of 2,426,503 shares (5.5%) in Oportun, held directly by McLaren Harbor, LLC with shared voting and dispositive authority. For investors, a >5% disclosure is material because it signals a sizable passive economic interest without asserted intent to influence control. The filing cites 44,009,399 shares outstanding for the percentage calculation; the joint filing agreement and certification are provided. No changes in sole control or disposition rights are reported.

Corporate Governance Expert

TL;DR: Disclosure is procedurally complete: group ownership disclosed, shared authority noted, and certification against control intent included.

The documentation names each reporting entity and certifies the stake was not acquired to effect control, consistent with Schedule 13G treatment. All reporting persons list shared voting and dispositive power of 2,426,503 shares and zero sole powers, clarifying internal allocation of authority. The filing includes signatures and a joint filing agreement, meeting procedural governance transparency standards. No governance actions or proposals are described.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

Oportun Financial Corp

(Name of Issuer)

Common Stock, $0.0001 par value per share

(Title of Class of Securities)

68376D104

(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. 68376D104

1

Names of Reporting Persons

McLaren Harbor, 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 2,426,503.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,426,503.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,426,503.00

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)

5.5 %

12

Type of Reporting Person (See Instructions)

CO

SCHEDULE 13G

CUSIP No. 68376D104

1

Names of Reporting Persons

CL VI Ventures Offshore, L.P.

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

CAYMAN ISLANDS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 2,426,503.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,426,503.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,426,503.00

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)

5.5 %

12

Type of Reporting Person (See Instructions)

HC, PN

SCHEDULE 13G

CUSIP No. 68376D104

1

Names of Reporting Persons

Castlelake VI GP, L.P.

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 2,426,503.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,426,503.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,426,503.00

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)

5.5 %

12

Type of Reporting Person (See Instructions)

HC, PN

SCHEDULE 13G

CUSIP No. 68376D104

1

Names of Reporting Persons

CASTLELAKE L.P.

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 2,426,503.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,426,503.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,426,503.00

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)

5.5 %

12

Type of Reporting Person (See Instructions)

HC, PN

SCHEDULE 13G

CUSIP No. 68376D104

1

Names of Reporting Persons

Rory O'Neill

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 2,426,503.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,426,503.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,426,503.00

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)

5.5 %

12

Type of Reporting Person (See Instructions)

IN, HC

SCHEDULE 13G

CUSIP No. 68376D104

1

Names of Reporting Persons

Evan Carruthers

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 2,426,503.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,426,503.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,426,503.00

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)

5.5 %

12

Type of Reporting Person (See Instructions)

IN, HC

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Oportun Financial Corp
(b)	Address of issuer's principal executive offices: 2 Circle Star Way, San Carlos, California, 94070
Item 2.
(a)	Name of person filing: This Statement is filed on behalf of each of the following persons (collectively, the "Reporting Persons"): i) McLaren Harbor, LLC, a Delaware limited liability company; ii) CL VI Ventures Offshore, L.P., a Cayman Islands limited partnership; iii) Castlelake VI GP, L.P., a Delaware limited partnership; iv) Castlelake, L.P., a Delaware limited partnership; v) Rory O'Neill, a citizen of the United States of America; and vi) Evan Carruthers, a citizen of the United States of America.
(b)	Address or principal business office or, if none, residence: The address of the principal business office of each Reporting Person is 250 Nicollet Mall Suite 900, Minneapolis, MN 55401.
(c)	Citizenship: See response to Item 2(a)
(d)	Title of class of securities: Common Stock, $0.0001 par value per share
(e)	CUSIP No.: 68376D104
Item 4.	Ownership
(a)	Amount beneficially owned: As of the date hereof, each of the Reporting Persons may be deemed the beneficial owner of 2,426,503 Shares, which are held directly by McLaren Harbor, LLC.
(b)	Percent of class: As of the date hereof, each of the Reporting Persons may be deemed the beneficial owner of approximately 5.5% of Shares outstanding. (This percentage is calculated based on 44,009,399 Shares outstanding as of June 30, 2025, based on the Issuer's quarterly report on Form 10-Q filed with the SEC on August 7, 2025).
(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: 2,426,503
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 2,426,503
Item 5.	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.

McLaren Harbor, LLC

Signature:	/s/ William Stephen Venable Jr
Name/Title:	William Stephen Venable Jr, Vice President
Date:	08/14/2025

CL VI Ventures Offshore, L.P.

Signature:	/s/ William Stephen Venable Jr
Name/Title:	William Stephen Venable Jr, Vice President
Date:	08/14/2025

Castlelake VI GP, L.P.

Signature:	/s/ William Stephen Venable Jr
Name/Title:	William Stephen Venable Jr, Vice President
Date:	08/14/2025

CASTLELAKE L.P.

Signature:	/s/ William Stephen Venable Jr
Name/Title:	William Stephen Venable Jr, Vice President
Date:	08/14/2025

Rory O'Neill

Signature:	/s/ Rory O'Neill
Name/Title:	Rory O'Neill
Date:	08/14/2025

Evan Carruthers

Signature:	/s/ Evan Carruthers
Name/Title:	Evan Carruthers
Date:	08/14/2025

Exhibit Information

Exhibit 1 - Joint Filing Agreement

FAQ

How many OPRT shares do the reporting persons own?

The filing states they beneficially own 2,426,503 shares of Oportun common stock.

What percentage of Oportun (OPRT) does this stake represent?

The reported stake represents approximately 5.5% of Oportun's shares, based on 44,009,399 shares outstanding.

Do the reporting persons have sole voting or dispositive power?

No; the filing reports 0 sole voting power and 0 sole dispositive power, with 2,426,503 shares under shared voting and dispositive power.

Who are the entities and individuals reporting this ownership?

The reporting persons are McLaren Harbor, LLC; CL VI Ventures Offshore, L.P.; Castlelake VI GP, L.P.; Castlelake L.P.; and individuals Rory O'Neill and Evan Carruthers.

Was the stake acquired to change or influence control of Oportun?

No; the certification states the securities were not acquired and are not held to change or influence control of the issuer.