SPFX CFO buys 1,120 shares of common stock at $2.29

STANDARD PREMIUM FINANCE HOLDINGS, INC.

Rhea-AI Filing Summary

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported an insider stock purchase by its Chief Financial Officer and director, Brian Krogol. On 11/21/2025, he acquired 1,120 shares of common stock in an open market transaction at a price of $2.29 per share. Following this transaction, he beneficially owns 88,720 shares of SPFX common stock directly.

Insider Trade Summary

Net Buyer: 1,120 shares

Net Buy 1 txn

Insider Krogol Brian

Role CFO

Bought 1,120 shs ($3K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	1,120	$2.29	$3K

Holdings After Transaction: Common Stock — 88,720 shares (Direct)

FAQ

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

What insider transaction did SPFX report on this Form 4?

The filing reports that CFO and director Brian Krogol bought 1,120 shares of STANDARD PREMIUM FINANCE HOLDINGS, INC. common stock on 11/21/2025.

At what price did the SPFX insider buy shares?

Brian Krogol purchased the 1,120 SPFX shares at a price of $2.29 per share.

How many SPFX shares does the CFO own after this transaction?

After the reported transaction, Brian Krogol beneficially owns 88,720 shares of STANDARD PREMIUM FINANCE HOLDINGS, INC. common stock.

What is Brian Krogol’s role at STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX)?

Brian Krogol is both a director and an officer of SPFX, serving as the company’s Chief Financial Officer (CFO).

Was this SPFX Form 4 filed for one reporting person or multiple?

The Form 4 was filed by one reporting person, identified as Brian Krogol.

What type of security did the SPFX insider acquire?

The insider acquired shares of common stock of STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX).

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

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Accepted by SEC EDGAR 11/25/2025 - 12:10 PM EST Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Krogol Brian

(Last) (First) (Middle)

13590 134TH AVE

#214

(Street)

MIAMI FL 33186

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
STANDARD PREMIUM FINANCE HOLDINGS, INC. [ SPFX ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CFO

3. Date of Earliest Transaction (Month/Day/Year)
11/21/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/21/2025		P		1,120	A	$2.29	88,720	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Brian Krogol	11/25/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.