Perfect Moment (NYSE: PMNT) pushes insider loan due date to March 23

Rhea-AI Filing Summary

Perfect Moment Ltd. disclosed that it entered into a further amended and restated promissory note with its Chairman, Max Gottschalk, on March 6, 2026. This changes the maturity date of a previously issued unsecured promissory note for $3,389,960 from March 9, 2026 to March 23, 2026.

The note, together with an additional unsecured note of $1,700,000, reflects a total of $5,089,960 in loans from Gottschalk that provide working capital to support product purchases and operations, bearing interest at 12% per annum with interest payable monthly.

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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): March 6, 2026

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 (the “SEC”) 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.

As previously reported in its Current Report on Form 8-K filed with the SEC on October 31, 2025, 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 amended the maturity date from November 8, 2025 to March 9, 2026.

On March 6, 2026, Gottschalk and the Company entered into a further amended and restated promissory note (the “Further Amended and Restated Note”) to amend and restate the Amended and Restated Note. The Further Amended and Restated Note amends the maturity date from March 9, 2026 to March 23, 2026.

The foregoing description of the Further Amended and Restated Note does not purport to be complete and is qualified in its entirety by the terms and conditions of the Further Amended and Restated Note filed as Exhibit 4.1 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
4.1		Further Amended and Restated Promissory Note, dated March 6, 2026
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: March 6, 2026	PERFECT MOMENT LTD.
	By:	/s/ Jane Gottschalk
		Jane Gottschalk
		President

FAQ

What did Perfect Moment Ltd. (PMNT) disclose in this 8-K filing?

Perfect Moment Ltd. reported a further amendment to an existing insider loan. The company and Chairman Max Gottschalk extended the maturity date of a key unsecured promissory note, maintaining short-term financing support for working capital and ongoing product and operating needs.

How large are the loans from Chairman Max Gottschalk to Perfect Moment Ltd. (PMNT)?

Chairman Max Gottschalk has extended a total of $5,089,960 in loans to Perfect Moment Ltd. This consists of a $3,389,960 unsecured promissory note and a separate $1,700,000 unsecured promissory note, both used to provide working capital for product purchases and operations.

What interest rate applies to the Perfect Moment Ltd. (PMNT) insider loans?

Both unsecured promissory notes from Chairman Max Gottschalk bear interest at 12% per annum. Interest is payable monthly under the loan terms, with principal and any unpaid interest due at each note’s respective maturity date, as described in the agreement disclosures.

What change was made to the $3,389,960 promissory note in the latest amendment?

The latest amendment further extends the maturity date of the $3,389,960 unsecured promissory note. The due date moved from March 9, 2026 to March 23, 2026, giving Perfect Moment Ltd. additional time before repayment of principal and any outstanding interest becomes due.

When do the two insider promissory notes to Perfect Moment Ltd. (PMNT) mature?

After the latest amendment, the $3,389,960 note now matures on March 23, 2026. The second unsecured promissory note for $1,700,000 continues to have a maturity date of August 18, 2030, providing a longer-term source of working capital financing.

How are the amended loan terms documented for Perfect Moment Ltd. (PMNT)?

The new terms are documented in a Further Amended and Restated Promissory Note dated March 6, 2026. This note is filed as Exhibit 4.1 and is incorporated by reference, providing the detailed contractual conditions governing the revised maturity and ongoing loan obligations.

Filing Exhibits & Attachments

4 documents

Other Documents

• EX-4.1 EX-4.1 20.6 KB
• EX-101 XBRL SCHEMA FILE 3.0 KB
• EX-101 XBRL LABEL FILE 33.4 KB
• EX-101 XBRL PRESENTATION FILE 21.8 KB