---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-25-031173"
form_type: "8-K"
ticker: null
cik: "0001922858"
company_name: "ECD Automotive Design, Inc."
filed_at: "2025-04-11T23:59:59+00:00"
generated_at: "2026-05-23T16:30:00.724748+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# ECD Automotive Design enters $1.824M loan with Defender SPV, pays off prior Agile Loan

## Summary
- New term loan of $1,824,300 from Defender SPV LLC; 69 weekly payments of $35,693 starting Apr 15, 2025, ending Aug 4, 2026.
- Total interest accrual of $638,505; includes $40,000 admin fee and $35,000 legal fee netted from proceeds.
- Proceeds used to pay off prior Agile Loan of $1,749,300 (discounted payoff) from Feb 2025 agreement.
- Loan secured by all assets of Company and subsidiary Humble Imports Inc.; customary covenants and default provisions.
- Prepayment requires make-whole premium equal to remaining interest through maturity; no reborrowing allowed.

## SEC filing metadata
- accession: 0001213900-25-031173
- form_type: 8-K
- cik: 0001922858
- company_name: ECD Automotive Design, Inc.
- filed_at: 2025-04-11T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1922858/000121390025031173/0001213900-25-031173-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1922858/000121390025031173/ea0237934-8k_ecdauto.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-031173
- JSON: https://secwatch.observer/filing/0001213900-25-031173.json
- Plain text: https://secwatch.observer/filing/0001213900-25-031173.txt

## Key facts
- Debt Financings
  ECD Automotive Design, Inc. incurred term loan of $1,824,300 with New Lender at interest in the aggregate amount of $638,505 maturing August 4, 2026.
  - Instrument: term loan
  - Principal: $1,824,300
  - Counterparty: New Lender
  - Rate: interest in the aggregate amount of $638,505
  - Maturity: August 4, 2026
  - Event: incurrence
  source text: On April 4, 2025, the Company entered into a new business loan and security agreement with an effective date of April 4, 2025 (the “New Loan Agreement”) by and among an investor (the “New Lender”), a collateral agent (the “Collateral Agent”), the Company and its subsidiary, Humble Imports Inc., pursuant to which the Company received a term loan from the New Lender in the principal amount of $1,824,300 (the “New Loan”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1922858/000121390025031173/0001213900-25-031173-index.htm
- Debt Financings
  ECD Automotive Design, Inc. incurred term loan of $1,575,000 with Agile Lending, LLC at interest in the aggregate amount of $661,500 maturing September 22, 2025.
  - Instrument: term loan
  - Principal: $1,575,000
  - Counterparty: Agile Lending, LLC
  - Rate: interest in the aggregate amount of $661,500
  - Maturity: September 22, 2025
  - Event: incurrence
  source text: As previous disclosed, on February 20, 2025, ECD Automotive Design Inc. (the “Company”) entered into a business loan and security agreement with an effective date of February 20, 2025 (the “Agile Loan Agreement”) by and among a commercial lender (“Collateral Agent”), Agile Lending, LLC (“Lender”), the Company and its subsidiary, Humble Imports Inc., pursuant to which the Company received a term loan from Lender in the principal amount of $1,575,000 (the “Agile Loan”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1922858/000121390025031173/0001213900-25-031173-index.htm

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