---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-031839"
form_type: "8-K"
ticker: "LMFA"
cik: "0001640384"
company_name: "LM FUNDING AMERICA, INC."
filed_at: "2026-01-30T23:59:59+00:00"
generated_at: "2026-05-16T05:58:30.770589+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.3
calibrated_materiality_score: 0.3
confidence: "high"
source: SEC EDGAR
---

# LM Funding America rolls $11M loan with Galaxy Digital to Feb 27, 2026

## Summary
- Borrowed new $11M loan under Master Digital Currency Loan Agreement with Galaxy Digital LLC on Jan 28, 2026.
- Proceeds used to repay prior $11M loan due Jan 30, 2026; new loan matures Feb 27, 2026.
- Loan is secured by Bitcoin collateral owned by the Company under same loan terms.

## SEC filing metadata
- accession: 0001193125-26-031839
- form_type: 8-K
- ticker: LMFA
- cik: 0001640384
- company_name: LM FUNDING AMERICA, INC.
- filed_at: 2026-01-30T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.3
- calibrated_materiality_score: 0.3
- confidence: high
- sec_items: 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1640384/000119312526031839/0001193125-26-031839-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1640384/000119312526031839/lmfa-20260128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-031839
- JSON: https://secwatch.observer/filing/0001193125-26-031839.json
- Plain text: https://secwatch.observer/filing/0001193125-26-031839.txt

## Key facts
- Debt Financings
  LM FUNDING AMERICA, INC. incurred loan of $11 million with Galaxy Digital LLC maturing February 27, 2026.
  - Instrument: loan
  - Principal: $11 million
  - Counterparty: Galaxy Digital LLC
  - Maturity: February 27, 2026
  - Event: incurrence
  source text: On January 28, 2026, the Company borrowed a new $11 million loan under the Loan Agreement (the “January 2026 Loan”) and used the proceeds from the January 2026 Loan to satisfy the October 2025 Loan. The January 2026 Loan will become due on February 27, 2026, is secured by Bitcoin owned by the Company, and is otherwise made under the terms of the Loan Agreement.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1640384/000119312526031839/0001193125-26-031839-index.htm

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