---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-333965"
form_type: "8-K"
ticker: "LMFA"
cik: "0001640384"
company_name: "LM FUNDING AMERICA, INC."
filed_at: "2026-08-05T12:34:09+00:00"
generated_at: "2026-08-05T12:35:15.501318+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# PowerCompute refinances $18M debt with Arch Lending at 2% APR, down from 12%

## Summary
- Refinanced $18.1M of existing debt (Galaxy Digital $11M, Liebel $5M+$2M) into a single Arch Lending facility.
- New non-recourse 30-day rolling loan secured by 307 Bitcoin; interest rate 2% APR vs 12% on prior Liebel loans.
- Loan automatically rolls over every 30 days; rates and collar reset based on market conditions.
- Company retains Bitcoin exposure and avoids selling holdings; funds used to pay off bridge loans from July 27, 2026.

## SEC filing metadata
- accession: 0001193125-26-333965
- form_type: 8-K
- ticker: LMFA
- cik: 0001640384
- company_name: LM FUNDING AMERICA, INC.
- filed_at: 2026-08-05T12:34:09+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 1.01, 2.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1640384/000119312526333965/0001193125-26-333965-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1640384/000119312526333965/lmfa-20260803.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-333965
- JSON: https://secwatch.observer/filing/0001193125-26-333965.json
- Plain text: https://secwatch.observer/filing/0001193125-26-333965.txt

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