{"schema_version":"secwatch.filing_event.v1","accession":"0001185185-22-000739","form_type":"8-K","ticker":"IVFH","cik":"0000312257","company_name":"INNOVATIVE FOOD HOLDINGS INC","filed_at":"2022-06-14T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.166007+00:00","generated_at":"2026-06-25T02:08:11.924133+00:00","sec_items":["1.01","1.02","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Innovative Food Holdings refinances with $12.47M in new loans from MapleMark Bank, repays Fifth Third Bank","bullets":["Term loan of $10.46M with MapleMark; initial tranche of $5.70M used to repay Fifth Third loans.","Revolving credit facility of $2.01M from MapleMark, replaces existing asset-based revolver with Fifth Third.","Term loan matures Nov 28, 2022; may extend to June 6, 2052 if USDA guarantee obtained.","Debt service reserve of $2.31M from second tranche; unused after June 1, 2024 applied to indebtedness.","Loans bear interest at WSJ Prime + 1.25% (floor 4.50%); fixed charge coverage ratio ≥ 1.25x."],"urls":{"canonical":"https://secwatch.observer/filing/0001185185-22-000739","json":"https://secwatch.observer/filing/0001185185-22-000739.json","markdown":"https://secwatch.observer/filing/0001185185-22-000739.md","text":"https://secwatch.observer/filing/0001185185-22-000739.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/312257/000118518522000739/0001185185-22-000739-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/312257/000118518522000739/innovfood20220613_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T02:08:11.924133+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}