secwatch.observer — SEC 8-K summary
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Issuer:     Nature's Miracle Holding Inc. (NMHI)
CIK:        0001947861
Form:       8-K
Filed at:   2025-01-06T23:59:59+00:00
Accession:  0001213900-25-001167
Event type: debt
Sentiment:  negative
Materiality: 0.75
Item codes: 1.01, 2.03, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1947861/000121390025001167/0001213900-25-001167-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1947861/000121390025001167/ea0226815-8k_natures.htm
  HTML page:      https://secwatch.observer/filing/0001213900-25-001167

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