{"schema_version":"secwatch.filing_event.v1","accession":"0001079973-25-000935","form_type":"8-K","ticker":"SPFX","cik":"0001807893","company_name":"STANDARD PREMIUM FINANCE HOLDINGS, INC.","filed_at":"2025-05-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.808601+00:00","generated_at":"2026-05-20T08:31:38.105218+00:00","sec_items":["1.01","2.03","8.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Standard Premium Finance ups revolver to $50M and authorizes $250K stock buyback","bullets":["Revolver increased from $45M to $50M via amendment with First Horizon Bank on May 21, 2025.","Board authorized repurchase of up to $250K of common stock in private transactions through Nov 2, 2025.","Repurchase program is discretionary; no obligation to buy any shares; depends on market conditions and liquidity.","CEO cites record FY2024 and Q1 2025 profitability as context for the buyback program."],"urls":{"canonical":"https://secwatch.observer/filing/0001079973-25-000935","json":"https://secwatch.observer/filing/0001079973-25-000935.json","markdown":"https://secwatch.observer/filing/0001079973-25-000935.md","text":"https://secwatch.observer/filing/0001079973-25-000935.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325000935/0001079973-25-000935-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325000935/spfx_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T08:31:38.105218+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"3a7150acb79ce9b21304d7cd2f94ceb4520ca018","claim":"STANDARD PREMIUM FINANCE HOLDINGS, INC. amended revolving credit of to $50 million from $45 million with First Horizon Bank.","evidence_excerpt":"On May 21, 2025 the Company entered into an amendment of its loan agreement with First Horizon Bank which increased the size of its revolving credit facility to $50 million from $45 million.","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325000935/0001079973-25-000935-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"revolving credit"},{"label":"Principal","value":"to $50 million from $45 million"},{"label":"Counterparty","value":"First Horizon Bank"},{"label":"Event","value":"amendment"}],"fact_type":"debt_financing"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}