VS MEDIA secures S$1.047M in 6‑month loans at 10%

VS MEDIA Holdings Ltd arranges short-term unsecured loans totaling S$1,047,000 at 10% interest to fund working capital and business development.

Rhea-AI Filing Summary

VS MEDIA Holdings Ltd entered into eight unsecured loan agreements with individual lenders for an aggregate principal of S$1,047,000 (approximately US$830,952). Each loan has a six‑month term from disbursement and bears 10% per annum simple interest on an actual/365 basis.

The lenders will disburse funds within 45 calendar days of execution to Aurenza Living Private Limited, a subsidiary acting as receiving agent, and the Company will use the proceeds for working capital, business development, and other lawful corporate purposes. The Company may prepay without penalty, subject to paying accrued interest, and the parties may agree to alternative, including non‑cash, settlement. The loans are governed by Singapore law with Singapore courts having exclusive jurisdiction and are incorporated by reference into the Company’s existing Form F‑3 and Form S‑8 registration statements.

Filing Explained

The loan agreements permit acceleration after a five-business-day post-notice payment failure; no disbursement is reported.

On August 3, 2026, VS MEDIA Holdings Limited disclosed eight unsecured loan agreements totaling S$1,047,000; the filing states that lenders were to disburse the proceeds within 45 calendar days, but does not report that the funds had been received.

The agreements create company repayment obligations bearing 10% simple annual interest, and a lender may declare principal and accrued interest immediately due if a payment failure continues for five business days after written notice. The obligations are not guaranteed by any subsidiary, shareholder, director, officer, or affiliate.

Key Figures

Aggregate principal amount: S$1,047,000 Aggregate principal amount (USD equivalent): US$830,952 Interest rate: 10% per annum +3 more

6 metrics

Aggregate principal amount S$1,047,000 Total principal across eight unsecured loan agreements entered August 3, 2026

Aggregate principal amount (USD equivalent) US$830,952 Approximate U.S. dollar equivalent of total principal

Interest rate 10% per annum Simple interest on an actual/365 basis for each loan

Loan term 6 months Term of each loan commencing from date of disbursement

Disbursement window 45 calendar days Time from execution for each lender to disburse loan proceeds

Cure period before default acceleration 5 business days Period after notice of missed payment before lender may accelerate

Key Terms

simple interest basis, unsecured obligations, event of default, exclusive jurisdiction, +2 more

6 terms

simple interest basis financial

"Interest accrues at the rate of ten percent per annum, calculated on a simple interest basis"

unsecured obligations financial

"The Loan Agreements are unsecured obligations of the Company"

Unsecured obligations are debts or promises to pay that are not backed by specific collateral, like a loan made on an IOU rather than with a pledged asset. They matter to investors because, in a default or bankruptcy, holders of unsecured obligations are paid after secured creditors and therefore face higher risk of loss; that higher risk typically leads to higher interest rates and influences a borrower's credit cost and investment returns.

event of default financial

"An event of default shall occur if the Company fails to pay any principal or interest"

An event of default is a specific breach of a loan or bond agreement—such as missed payments or breaking agreed rules—that gives lenders the legal right to act, for example by demanding immediate repayment, seizing collateral, or accelerating other obligations. For investors, it’s a red flag because it can sharply reduce a company’s ability to operate or raise money, like a car lender repossessing a vehicle after missed payments, and often leads to falling share or bond prices.

exclusive jurisdiction regulatory

"the courts of Singapore shall have exclusive jurisdiction over any disputes"

non-cash settlement financial

"including non-cash settlement"

registration statements on Form F-3 regulatory

"incorporated by reference into the Company’s registration statements on Form F-3"

FAQ

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

What financing did VSME secure in August 2026?

VS MEDIA Holdings Ltd entered eight unsecured loan agreements with individual lenders totaling S$1,047,000 (about US$830,952), each for a six‑month term at 10% per annum simple interest to support working capital, business development, and other lawful corporate purposes.

What are the key terms of the new VS MEDIA (VSME) loans?

Each loan runs for six months from disbursement at a 10% per annum simple interest rate, calculated on an actual/365 basis. The Company may prepay without penalty, provided accrued interest on the prepaid amount is also paid, and the loans are unsecured obligations of the Company.

How will VS MEDIA Holdings Ltd (VSME) use the loan proceeds?

Loan proceeds will be disbursed to subsidiary Aurenza Living Private Limited, acting as receiving agent, and used by VS MEDIA Holdings Ltd for working capital, business development, and other lawful corporate purposes as specified in the loan agreements.

What happens if VS MEDIA (VSME) defaults on these loans?

An event of default occurs if VS MEDIA fails to pay principal or interest when due and does not cure within five business days after written notice from a lender. That lender may then declare all outstanding principal and accrued interest immediately due and payable.

Under which law are the VS MEDIA (VSME) loan agreements governed?

Each loan agreement is governed by the laws of Singapore, and the parties agree that the courts of Singapore have exclusive jurisdiction over disputes arising out of or in connection with the agreements.

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

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Available on EDGAR 09/11/2026 - 05:25 PM Accepted by SEC EDGAR 09/11/2026 - 05:25 PM Learn about SEC filing dates

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the months of: August 2026

Commission File Number: 001-41817

VS MEDIA Holdings Ltd

(Translation of registrant’s name into English)

Eng Yong Julius Toh, Chief Executive Officer

3 International Business Park #03-29

Nordic European Centre

Singapore, 609927

Telephone: +65 6518 4887

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

On August 3, 2026, VS MEDIA Holdings Limited (the “Company”) entered into eight separate unsecured loan agreements (collectively, the “Loan Agreements”) with individual lenders (each, a “Lender”) for an aggregate principal amount of S$1,047,000 (One Million Forty-Seven Thousand), or approximately US$830,952 (Eight Hundred Thirty Thousand Nine Hundred Fifty-Two).

Each of the Loan Agreements provides for a term of six (6) months commencing from the date of disbursement. Interest accrues at the rate of ten percent (10%) per annum, calculated on a simple interest basis on the basis of the actual number of days elapsed over a 365-day year. Each Lender shall disburse the loan proceeds within forty-five (45) calendar days from the date of execution of the respective Loan Agreement to Aurenza Living Private Limited, a Singapore private limited company, a subsidiary of the Company that acts solely as a designated receiving agent on behalf of the Company. The proceeds shall be used for working capital, business development, and other lawful corporate purposes of the Company.

The Loan Agreements are unsecured obligations of the Company, and no guarantees have been provided by any subsidiary, shareholder, director, officer, or affiliate of the Company in connection therewith. The Company may prepay all or any portion of the outstanding principal at any time without penalty, provided that all accrued and unpaid interest on the amount prepaid shall also be paid. The parties may separately agree in writing to satisfy or discharge all or any part of the outstanding amounts by alternative settlement arrangements, including non-cash settlement. Neither party may assign any material right or obligation under the Loan Agreements to any third party without the prior written consent of the other party. An event of default shall occur if the Company fails to pay any principal or interest when due and such failure continues for five (5) business days after the Company’s receipt of written notice thereof from the applicable Lender, whereupon such Lender may, by written notice to the Company, declare all outstanding principal and accrued and unpaid interest to be immediately due and payable. Each of the Loan Agreements is governed by and construed in accordance with the laws of Singapore, and the parties have agreed that the courts of Singapore shall have exclusive jurisdiction over any disputes arising out of or in connection therewith.

The form of the Loan Agreement is filed as Exhibit 10.1 to this Report on Form 6-K. The foregoing description of the Loan Agreements does not purport to be complete and is qualified in its entirety by reference to the full text of such exhibit, which is incorporated herein by reference.

This Report on Form 6-K is incorporated by reference into the Company’s registration statements on Form F-3 (File 333-297756) and Form S-8 (File Nos. 333-276310 and 333-292063) and the prospectuses thereof and any prospectus supplements or amendments thereto.

Exhibit No.		Description
10.1		Form of the Loan Agreement between the lender and VS MEDIA Holdings Limited dated August 3, 2026

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, thereunto duly authorized.

	VS MEDIA HOLDINGS LIMITED
	(Registrant)
Date: September 11, 2026		/s/ Eng Yong Julius Toh
	Name:	Eng Yong Julius Toh
	Title:	Chief Executive Officer

Filing Exhibits & Attachments

1 document

Agreements & Contracts

• EX-10.1 EX-10.1 67.5 KB