---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-25-001167"
form_type: "8-K"
ticker: "NMHI"
cik: "0001947861"
company_name: "Nature's Miracle Holding Inc."
filed_at: "2025-01-06T23:59:59+00:00"
generated_at: "2026-05-28T11:32:30.883161+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001213900-25-001167
- form_type: 8-K
- ticker: NMHI
- cik: 0001947861
- company_name: Nature's Miracle Holding Inc.
- filed_at: 2025-01-06T23:59:59+00:00
- event_type: debt
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1947861/000121390025001167/0001213900-25-001167-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1947861/000121390025001167/ea0226815-8k_natures.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-001167
- JSON: https://secwatch.observer/filing/0001213900-25-001167.json
- Plain text: https://secwatch.observer/filing/0001213900-25-001167.txt

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