---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-293889"
form_type: "8-K"
ticker: "FLD"
cik: "0001889123"
company_name: "Fold Holdings, Inc."
filed_at: "2025-11-24T23:59:59+00:00"
generated_at: "2026-05-16T17:22:38.005389+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Fold subsidiary amends loan: rate up to 8.5%, collateral thresholds reduced

## Summary
- Interest rate increased from 6.5% to 8.5% per annum under MLA with Two Prime Lending.
- Initial Collateral Level reduced from 250% to 160%; Collateral Call Level from 175% to 135%.
- Liquidation Level decreased from 150% to 115%; Collateral Refund Level from 345% to 190%.
- Lender now permitted to grant security interest in collateral rights under limited conditions.

## SEC filing metadata
- accession: 0001193125-25-293889
- form_type: 8-K
- ticker: FLD
- cik: 0001889123
- company_name: Fold Holdings, Inc.
- filed_at: 2025-11-24T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1889123/000119312525293889/0001193125-25-293889-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1889123/000119312525293889/fld-20251119.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-293889
- JSON: https://secwatch.observer/filing/0001193125-25-293889.json
- Plain text: https://secwatch.observer/filing/0001193125-25-293889.txt

## Key facts
- Debt Financings
  Fold Holdings, Inc. amended credit facility with Two Prime Lending Limited at 6.5% per annum to 8.5% per annum.
  - Instrument: credit facility
  - Counterparty: Two Prime Lending Limited
  - Rate: 6.5% per annum to 8.5% per annum
  - Event: amendment
  source text: On November 19, 2025, the Borrower and Two Prime entered into the First Master Loan Agreement Amendment (the “ MLA Amendment ”) to the MLA pursuant to which, among other things: (i) the interest rate increased from 6.5% per annum to 8.5% per annum
  evidence_url: https://www.sec.gov/Archives/edgar/data/1889123/000119312525293889/0001193125-25-293889-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.