Welcome to our dedicated page for STANDARD PREMIUM FINANCE HOLDI SEC filings (Ticker: SPFX), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Standard Premium Finance Holdings, Inc. filings document the regulatory record of a Florida specialty finance issuer traded on OTCQX. Its 8-K reports cover stock repurchase activity, credit-facility amendments, direct financial obligations, auditor changes, director resignations, and shareholder voting results.
Proxy statements describe annual meeting procedures, director elections, advisory compensation matters, board-size flexibility, and related governance disclosures. The filing record also identifies Standard Premium Finance Management Corporation as a wholly owned subsidiary in financing arrangements and reflects the company's emerging growth company reporting status.
Standard Premium Finance Holdings, Inc. insider William Kippelmann, who serves as CEO, director and a 10% owner, reported buying 1,000 shares of common stock on 12/10/2025 at a price of $1.908 per share. After this transaction, he directly owned 807,155 shares.
STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported a Form 4 insider transaction by a director. On 11/25/2025, the director purchased 100 shares of common stock in an open market transaction at a price of $1.95 per share. Following this trade, the director beneficially owns 172,300 shares of SPFX common stock in direct ownership. The filing reports no derivative securities activity.
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.
STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported an insider transaction by a director on a Form 4. On 11/18/2025, the director purchased 100 shares of common stock at $2.25 per share. After this trade, the director beneficially owns 172,200 shares of the company’s common stock, held directly. This is a routine disclosure of insider ownership and trading activity required under securities regulations.
Standard Premium Finance Holdings (SPFX) reported annual meeting results. Shareholders elected three directors—John Leavitt (1,353,227 votes for), Christopher Perrucci (1,376,939 for), and Carl Christian Hoechner (1,371,005 for)—to serve terms expiring at the 2028 Annual Meeting. Withheld votes were limited and broker non-votes were 1,401 where applicable.
Shareholders also ratified Stephano Slack, LLC as the independent registered public accounting firm for fiscal 2025 with 1,378,340 votes for and no votes against or abstentions. As of the September 8, 2025 record date, shares entitled to vote were 3,167,216, consisting of 3,001,216 common shares and 166,000 preferred shares.
Standard Premium Finance Holdings (SPFX) reported steady Q3 performance. Revenue for the quarter was $3,215,771, up 4.6% year over year, with net income of $276,024. Basic EPS was $0.08 (diluted $0.07). For the nine months ended September 30, revenue was $9,227,729 and net income attributable to common stockholders was $782,790.
The loan book continued to expand: premium finance contracts and related receivables, net, reached $73,532,852, up from $63,857,557 at year‑end. The allowance for credit losses was $2,159,237, and the reserve ratio was 2.61%. Q3 originations were $41,034,533.
Funding improved with a renewed and upsized revolving credit facility, increasing the commitment to $75,000,000 and extending maturity to September 25, 2028, while lowering the margin to 2.10% over 30‑Day SOFR. Principal outstanding on the line was $48,364,857 with $8,393,823 of availability as of quarter‑end. Operating cash flow for the nine months was $4,102,464; investing used $10,684,853; financing provided $6,581,859. There were 3,001,216 common shares outstanding as of November 12, 2025.
Standard Premium Finance Holdings, Inc. updated its main credit facility on September 25, 2025 through a fifth amendment to its loan agreement. The company’s subsidiary increased its maximum aggregate borrowing capacity to $75,000,000 and added an uncommitted $40,000,000 accordion feature, bringing total potential capacity to $115,000,000.
The amendment also reduced the interest rate margin to 210 basis points from a prior range of 255–296 basis points, lowering borrowing costs, and extended the loan’s maturity date to September 25, 2028. Terms were updated to reflect a syndicated loan structure, while all other material provisions of the existing agreement remain in effect.
The proxy excerpt explains how stockholders can obtain materials and vote for the Annual Meeting: follow the 12-digit control number at https://www.iproxydirect.com/spfx, return a signed proxy card for receipt by 4:00 p.m. on November 7, 2025, or vote in person (in-person votes supersede prior votes). Alternative requests for paper materials may be made by fax (202-521-3464), telephone (1-866-752-8683), or email (proxy@iproxydirect.com) with the 12-digit notice number. The Compensation Committee discloses it takes material non-public information into account when timing and setting equity awards and states the Company does not time disclosures to affect award value. The filing lists audit-related fee categories showing figures of 2,500 in certain rows and provides detailed beneficial ownership counts and exercisable options for named individuals (for example, Mr. Koppelmann: 806,155 shares plus 10,000 options at $4.95; others include option exercise prices and tenures). The excerpt closes with signatures including Scott Howell, MD; Christian Hoechner; Mark Kutner, MD.
The proxy excerpt explains how stockholders can obtain materials and vote for the Annual Meeting: follow the 12-digit control number at https://www.iproxydirect.com/spfx, return a signed proxy card for receipt by 4:00 p.m. on November 7, 2025, or vote in person (in-person votes supersede prior votes). Alternative requests for paper materials may be made by fax (202-521-3464), telephone (1-866-752-8683), or email (proxy@iproxydirect.com) with the 12-digit notice number. The Compensation Committee discloses it takes material non-public information into account when timing and setting equity awards and states the Company does not time disclosures to affect award value. The filing lists audit-related fee categories showing figures of 2,500 in certain rows and provides detailed beneficial ownership counts and exercisable options for named individuals (for example, Mr. Koppelmann: 806,155 shares plus 10,000 options at $4.95; others include option exercise prices and tenures). The excerpt closes with signatures including Scott Howell, MD; Christian Hoechner; Mark Kutner, MD.