{"schema_version":"secwatch.filing_event.v1","accession":"0001079973-25-001528","form_type":"8-K","ticker":"SPFX","cik":"0001807893","company_name":"STANDARD PREMIUM FINANCE HOLDINGS, INC.","filed_at":"2025-10-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.531486+00:00","generated_at":"2026-05-17T05:06:46.879135+00:00","sec_items":["2.03","9.01"],"event_type":"debt","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Standard Premium Finance expands credit line to $115M, cuts rate, extends maturity to 2028","bullets":["Maximum borrowing capacity raised to $75M (committed) plus $40M uncommitted accordion, totaling $115M.","Interest rate margin reduced to 210 bps from prior range of 255–296 bps.","Maturity extended to September 25, 2028.","Loan now syndicated among First Horizon Bank, Flagstar Bank, and Cadence Bank.","All other material terms of the original loan agreement remain unchanged."],"urls":{"canonical":"https://secwatch.observer/filing/0001079973-25-001528","json":"https://secwatch.observer/filing/0001079973-25-001528.json","markdown":"https://secwatch.observer/filing/0001079973-25-001528.md","text":"https://secwatch.observer/filing/0001079973-25-001528.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325001528/0001079973-25-001528-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325001528/spfx_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T05:06:46.879135+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":"6c55a5c1cc36530066bc676744f37f352ca91d62","claim":"STANDARD PREMIUM FINANCE HOLDINGS, INC. amended credit facility of $75,000,000 with an additional uncommitted $40,000,000 accordion feature for a total of $115,000,000 with First Horizon Bank, Flagstar Bank and Cadence Bank at 210 bps from a range of 255 – 296 bps maturing September 25, 2028.","evidence_excerpt":"On September 25, 2025, Standard Premium Finance Holdings, Inc., a Florida corporation (the “Company”), through its wholly-owned subsidiary, Standard Premium Finance Management Corporation (the “Borrower”) entered into a Fifth Amendment to Loan Agreement and Omnibus Amendment to Loan Documents (the “Amendment”) with First Horizon Bank, Flagstar Bank and Cadence Bank, which increased the maximum aggregate borrowing capacity under the Loan Agreement to $75,000,000 with an additional uncommitted $40,000,000 accordion feature for a total of $115,000,000. The Amendment also reduced the interest rate margin to 210 bps from a range of 255 – 296 bps. Additionally, the Amendment extended the maturity date of the loan to September 25, 2028.","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325001528/0001079973-25-001528-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"credit facility"},{"label":"Principal","value":"$75,000,000 with an additional uncommitted $40,000,000 accordion feature for a total of $115,000,000"},{"label":"Counterparty","value":"First Horizon Bank, Flagstar Bank and Cadence Bank"},{"label":"Rate","value":"210 bps from a range of 255 – 296 bps"},{"label":"Maturity","value":"September 25, 2028"},{"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"}