Nature's Miracle enters $311K loan at 59.4% APR; pledges 311K shares as collateral

Nature's Miracle Holding Inc.

Loan of $311,000 with 51.64% interest rate, 59.4% APR, matures Jan 14, 2026.
Total repayment of $401,190 via 26 biweekly payments of $15,430.38; $11,000 origination fee deducted.
Secured by all present and after-acquired property of the company and its subsidiaries.
Company issued 311,000 common shares (Pledge Shares) to the lender as additional collateral.
Prepayment discount of 5% on unpaid interest if repaid in full within 90 days, reducing total to $349,875.

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