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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):
September 25, 2025
STANDARD PREMIUM FINANCE HOLDINGS, INC.
(Exact name of registrant as specified in its
charter)
| Florida |
000-56243 |
81-2624094 |
| (State or Other Jurisdiction |
(Commission |
(I.R.S. Employer |
| of Incorporation) |
File Number) |
Identification No.) |
13590 SW 134th Avenue, Suite 214,
Miami, FL 33186
(Address of Principal Executive Office) (Zip
Code)
305-232-2752
(Registrant’s telephone number, including
area code)
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:
☐
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: None
| Title of each class |
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Trading Symbol(s) |
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Name of each exchange on which registered |
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Indicate by check mark whether the registrant
is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the
Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☒
If an emerging growth company, indicate by checkmark
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
2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of Registrant.
On September 25, 2025, Standard Premium Finance
Holdings, Inc., a Florida corporation (the “Company”), through its wholly-owned subsidiary, Standard Premium Finance Management
Corporation (the “Borrower”) entered into a Fifth Amendment to Loan Agreement and Omnibus Amendment to Loan Documents (the
“Amendment”) with First Horizon Bank, Flagstar Bank and Cadence Bank, which increased the maximum aggregate borrowing capacity
under the Loan Agreement to $75,000,000 with an additional uncommitted $40,000,000 accordion feature for a total of $115,000,000. The
Amendment also reduced the interest rate margin to 210 bps from a range of 255 – 296 bps. Additionally, the Amendment extended the
maturity date of the loan to September 25, 2028. General terms were updated to reflect a syndicated loan arrangement. All other material
terms of the Loan Agreement remain in full force and effect.
The foregoing description of the Fifth Amendment
to Loan Agreement and Omnibus Amendment to Loan Documents is only a summary and is qualified in its entirety by reference to the full
text of the Fifth Amendment to Loan Agreement and Omnibus Amendment to Loan Documents, which is filed as Exhibit 10.1 to this Current
Report on Form 8-K and incorporated herein by reference.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits
| Exhibit No. |
|
Description |
| 10.1 |
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Fifth Amendment to Loan Agreement and Omnibus Amendment to Loan Documents between Standard Premium Finance Management Corporation and First Horizon Bank dated September 25, 2025. |
| 104 |
|
Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) |
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.
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STANDARD PREMIUM FINANCE HOLDINGS, INC. |
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| Dated: October 1, 2025 |
By: |
/s/ William J. Koppelmann |
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William J. Koppelmann
Chairman and Chief Executive Officer |
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