Perfect Moment extends $3.39M note maturity to Mar 9, 2026

Perfect Moment Ltd. (PMNT) entered an amended and restated promissory note with its Chairman, Max Gottschalk, extending the maturity of a previously issued unsecured note.

Rhea-AI Filing Summary

Perfect Moment Ltd. (PMNT) entered an amended and restated promissory note with its Chairman, Max Gottschalk, extending the maturity of a previously issued unsecured note. The $3,389,960 note, which bears 12% annual interest with interest payable monthly, now matures on March 9, 2026, revised from November 8, 2025.

As previously disclosed, Gottschalk provided a total of $5,089,960 in loans to support product purchases and operations, comprising this amended note and a separate $1,700,000 unsecured note bearing 12% interest that is due on August 18, 2030. The company filed the amended note as Exhibit 10.1.

Insights

Credit and governance analyst

Maturity on a key insider loan moves to March 9, 2026.

The company amended an unsecured promissory note with its Chairman, extending the $3,389,960 principal from a November 8, 2025 due date to March 9, 2026. The note carries a 12% annual interest rate with monthly interest payments, indicating ongoing cash interest requirements.

This follows previously disclosed insider financing totaling $5,089,960, including a separate $1,700,000 unsecured note at 12% due on August 18, 2030. The change reduces near-term maturity pressure while keeping terms and cash interest intact.

Key items to track in subsequent disclosures include interest payment performance under the monthly schedule and any further changes to maturity or principal terms, if any are later agreed.

8-K Event Classification

3 items: 1.01, 2.03, 9.01

3 items

Item 1.01 Entry into a Material Definitive Agreement Business

The company signed a significant contract such as a merger agreement, credit facility, or major partnership.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement Financial

The company incurred a new significant debt or off-balance-sheet obligation.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Perfect Moment Ltd. (PMNT) change in this filing?

The company extended the maturity of an unsecured $3,389,960 promissory note from November 8, 2025 to March 9, 2026.

Who is the lender on the amended note for PMNT?

The lender is Max Gottschalk, the company’s Chairman.

What is the interest rate and payment schedule on the amended note?

The note bears 12% per annum interest, with interest payable monthly.

How much insider financing has been provided in total?

Previously disclosed loans totaled $5,089,960 to support product purchases and operations.

Is there another note outstanding besides the amended one?

Yes. A separate unsecured note of $1,700,000 at 12% interest is due on August 18, 2030.

Where can I find the full amended note terms?

The amended and restated promissory note is filed as Exhibit 10.1.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 10/31/2025 - 09:00 AM Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 30, 2025

PERFECT MOMENT LTD.

(Exact name of registrant as specified in its charter)

Delaware		001-41930		86-1437114
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

244 5th Ave Ste 1219

New York, NY 10001

(Address of principal executive offices, with zip code)

315-615-6156

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2.):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $0.0001 per share		PMNT		NYSE American LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01 Entry into a Material Definitive Agreement.

As previously reported in its Current Report on Form 8-K filed with the Securities and Exchange Commission on August 27, 2025, on August 26, 2025, Max Gottschalk (“Gottschalk”), the Chairman of the Board of Perfect Moment Ltd. (the “Company”) extended a total of $5,089,960 in loans to the Company, providing working capital to support product purchases and operations. The loans are evidenced by an unsecured promissory note in the principal sum of $3,389,960 bearing interest at 12% per annum, with interest payable monthly, unpaid principal and interest due and payable on November 8, 2025 (“Note #1) and an unsecured promissory note in the principal sum of $1,700,000 bearing interest at 12% per annum, with interest payable monthly, unpaid principal and interest due and payable on August 18, 2030.

On October 30, 2025, Gottschalk and the Company entered into an amended and restated promissory note (the “Amended and Restated Note”) to amend and restate Note #1. The Amended and Restated Note amends the maturity date from November 8, 2025 to March 9, 2026.

The foregoing description of the Amended and Restated Note does not purport to be complete and is qualified in its entirety by the terms and conditions of the Amended and Restated Note filed as Exhibit 10.1 hereto and incorporated by reference herein.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

The disclosures under Item 1.01 are incorporated here by reference.

Item 9.01 Financial Statements and Exhibits

Exhibits

Exhibit No.		Description
10.1		Amended and Restated Promissory Note, dated October 30, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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 hereunto duly authorized.

Date: October 31, 2025	PERFECT MOMENT LTD.
	By:	/s/ Jane Gottschalk
		Jane Gottschalk
		President