The Stewards Inc. (OTC: SWRD) SEC filings page on Stock Titan is intended to provide access to the company’s regulatory disclosures once they are available through EDGAR. Stewards Inc. describes itself as a diversified financial platform operating in private credit, real assets and digital finance, with a focus on financing small and mid-sized businesses, income-producing real estate and digital treasury assets.
For a financial company such as Stewards Inc., key SEC filings typically include annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, along with registration statements and proxy materials when applicable. These documents can offer detail on its private credit activities, structured credit exposures, real asset holdings, digital finance positions, risk management practices and governance framework.
When filings are present, Stock Titan surfaces them in real time as they are posted to EDGAR and enhances them with AI-powered summaries. These summaries are designed to highlight important sections of lengthy reports, such as segment discussions, credit risk disclosures, real estate and digital asset information, and board or audit committee updates. Users can also review Form 4 insider transaction reports when available, which show purchases, sales and other equity-related transactions by Stewards Inc. directors and officers.
Through this combination of real-time access and AI-generated explanations, the filings page helps readers navigate Stewards Inc.’s regulatory reporting and better understand how the company presents its financial position, governance and operations across private credit, real assets and digital finance.
Stewards, Inc. (SWRD) supplements its prospectus for the resale of up to 20,621,250 shares of common stock by selling stockholders. Stewards receives no proceeds from their sales, but may receive proceeds from cash exercises of warrants and pre-funded warrants. Resales may occur at prevailing or negotiated prices, and the prior $3.00 fixed-price limitation no longer applies.
Updated preliminary Envy Pompano Beach pro forma accounting classifies 7,000,000 escrowed shares as mandatorily redeemable and presents a $20.043 million current liability. The 7,000,000 shares remain legally outstanding until cancelled but are excluded from stockholders’ equity and weighted-average shares. Beginning October 5, 2026, and generally on the fifth day of each month through April 5, 2027, Stewards must pay sellers $3.0 million in cash and cancel 1,000,000 escrowed shares per redemption. A sale or borrowing against the shares may fund redemption only by mutual agreement. The accounting remains preliminary and subject to valuation specialist analysis and auditor review; the update leaves the $90.0 million contractual purchase price and 14,263,025 legally issued shares unchanged.
Stewards, Inc. amended its prior report on the completed Envy acquisition to revise preliminary accounting for 7,000,000 escrowed shares. The acquisition closed September 23, 2026 and covers a 214-unit apartment community, 26-slip marina and three-story commercial center in Pompano Beach. The escrowed shares remain legally issued and outstanding until cancelled, but are presented as a current required-redemption liability, not stockholders’ equity, and excluded from weighted-average shares. The preliminary liability fair value is $20.043 million, based on seven $3.0 million payments discounted at a preliminary 18.0% annual effective rate subject to valuation specialist analysis and auditor review.
The $90.0 million contractual purchase price and cash obligations are unchanged. Stewards generally must pay $3.0 million and cancel 1,000,000 escrowed shares monthly from October 5, 2026 through April 5, 2027; funding by sale or borrowing against the shares requires mutual agreement. Illustrative pro forma net losses are $29.429 million for 2025 and $14.933 million for the six months ended June 30, 2026, assuming the acquisition occurred January 1, 2025; 2025 includes $0.957 million of non-recurring discount accretion.
For Stewards, Inc. (SWRD), affiliate entities report indirect holdings as of September 9, 2026: 22,012,500 common shares, 71,250,000 Series A preferred shares and 10,000,000 Series B preferred shares, the latter held by Forfront Capital, LLC. The preferred shares are not outstanding common stock. The positions also include warrants exercisable for 8,147,368 common shares and pre-funded warrants exercisable for 4,591,000 common shares at $0.0001 per share. Each preferred share is convertible into one common share; Series B conversion is optional after five years from its August 25, 2025 issuance.
Stewards, Inc. (SWRD) lists Vincent C. Napolitano, a 10% owner and Director Emeritus, and VK Nap Family LLC, also a 10% owner, in its ownership disclosures. The LLC holds 40,049,524 shares directly; Napolitano, its managing member, has voting and dispositive power over those shares. His reported aggregate is 40,577,924 shares, including 528,400 shares held of record by his children. He has no contract conferring voting or dispositive power over the children’s shares and disclaims beneficial ownership except to the extent of any pecuniary interest.
Stewards, Inc. (SWRD) supplements its resale prospectus for up to 20,621,250 common shares held by selling stockholders. The company receives no proceeds from their sales, but may receive proceeds if warrants or pre-funded warrants are exercised for cash. Holders may sell at prevailing, related or negotiated prices; the former $3.00 fixed-price limit no longer applies.
On September 23, 2026, Stewards completed its acquisition of 100% of the membership interests in entities owning Envy Pompano Beach, a mixed-use property with 214 apartments. The aggregate contractual purchase price is $90.0 million, subject to credits, prorations and closing adjustments. Consideration included 14,263,025 shares with a contractual value of $42,789,075 and a $2.0 million unsecured seller note. Property-level borrowers entered into a $47.7 million mortgage loan, refinancing $44,557,435.93 of existing property-level indebtedness and funding reserves and transaction costs.
7,000,000 of the issued shares are escrowed. Beginning October 5, 2026, and generally on the fifth day of each month through April 5, 2027, Stewards must make $3.0 million cash payments to sellers, with 1,000,000 escrowed shares cancelled concurrently; the company must fund any shortfall. Separately, Stewards and Accretiv Investment Holdings Inc. cancelled an unfunded $1.5 million bridge note, with no principal outstanding or termination payment owed.
Stewards, Inc. acquired 100% of the membership interests in the entities owning Envy Pompano Beach on September 23, 2026. The property includes 214 apartments, a 26-slip marina and a three-story community center. The $90.0 million contractual price, subject to credits, prorations and closing adjustments, included 14,263,025 shares at a $3.00 contractual value used solely to calculate the share count, a $2.0 million unsecured note and refinancing of $44,557,435.93 of existing property debt. LoanCore provided a $47.7 million mortgage.
Of the shares, 7,000,000 were escrowed. The company generally must pay sellers $3.0 million in cash on the fifth of each month from October 5, 2026 through April 5, 2027, with 1,000,000 escrowed shares cancelled per payment; it funds shortfalls after permitted share sales or borrowings. The seller note is due October 5, 2026. The interest-only mortgage matures October 9, 2028.
For the six months ended June 30, 2026, rental and other property revenues were $2.861 million versus $2.459 million for the same period in 2025. The historical Rule 3-14 statements exclude mortgage interest, depreciation, amortization, management fees and income taxes.
Stewards, Inc. (SWRD) and lender Accretiv Investment Holdings Inc. terminated and cancelled their September 2, 2026 promissory note for an original principal amount of $1.5 million and the related security agreement, effective September 21, 2026. The lender did not advance funds, so Stewards received no loan proceeds; the contemplated $75,000 lender return was not earned, and no principal or other amount is owed under the agreements.
The lender released liens and security interests arising from the agreements and represented that it had not filed or authorized a related UCC financing statement. The parties granted mutual releases for claims related to the financing, subject to exclusions for claims arising from a breach of the termination agreement or fraud or intentional misrepresentation in connection with it. Stewards incurred no early termination penalty or termination fee.
Stewards, Inc. (SWRD) updates its resale registration covering 20,621,250 shares of common stock held by selling stockholders. The shares consist of 9,750,000 private‑placement shares, 487,500 registration‑delay shares, and 10,383,750 shares issuable from warrants and pre‑funded warrants. Sales may now occur on the Nasdaq Capital Market at market or negotiated prices; the prior $3.00 fixed price no longer applies. The company receives no proceeds from resales but may receive cash from warrant exercises.
Stewards Real Estate, a subsidiary, and John E. Swenson Co., Inc. agreed to terminate a planned $20,000,000 purchase of The Hawthorne property. Of a $1,000,000 deposit, $100,000 goes to Swenson and $900,000 is returned to Stewards Real Estate, and related litigation will be dismissed with prejudice.
Stewards, Inc. also amended a related‑party promissory note, keeping the $1,600,000 final principal installment outstanding but extending its maturity from September 1, 2026 to October 15, 2026. The amount bears 10% simple interest over that period, aggregating $20,000, while the 15% default interest rate is waived through October 15, 2026 if the note is paid in full by that date.
Stewards, Inc. (SWRD) amended a related-party promissory note with FAVO Holdings, LLC, extending the due date of the final principal installment. The Company’s remaining principal of $1,600,000, previously due September 1, 2026, now matures on October 15, 2026 under Amendment No. 2 to the Promissory Note.
The outstanding principal continues to accrue simple interest at 10% per annum from September 1, 2026 through October 15, 2026, aggregating $20,000 of interest payable on the extended maturity date together with the $1,600,000 and all other accrued interest. The note’s 15% default interest rate is waived for the period from June 1, 2026 through October 15, 2026 but will be reinstated on all amounts then outstanding if full payment is not made on October 15, 2026. FAVO Holdings, LLC is a related party owned 65% by Chairman Emeritus and former CEO Vincent Napolitano and 35% by current CEO and director Shaun Quin; the amendment was approved by disinterested board members, and Mr. Quin recused himself from deliberations and voting.
Stewards, Inc. (SWRD) reports that its wholly owned subsidiary, Stewards Real Estate, LLC, has terminated its Purchase and Sale Agreement to acquire The Hawthorne property in Chatham, Massachusetts, which had a planned $20,000,000 cash purchase price and required a $1,000,000 earnest-money deposit.
Under a confidential Settlement Agreement with John E. Swenson Co., Inc., the escrow agent will distribute $100,000 of the deposit to Swenson and return $900,000 to Stewards Real Estate. The related lawsuit will be dismissed with prejudice after the settlement amounts are paid, and mutual general releases will then become effective. Each party bears its own attorneys’ fees and costs, neither party admits liability or wrongdoing, and Stewards, Inc. will not acquire the property.