---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-25-074983"
form_type: "8-K"
ticker: "ICCC"
cik: "0000811641"
company_name: "IMMUCELL CORP /DE/"
filed_at: "2025-08-12T23:59:59+00:00"
generated_at: "2026-05-17T15:00:05.792771+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# ImmuCell refinances bank debt with $2.3M loan at 6.5%, extending to 2030

## Summary
- New $2,327,119 loan at 6.5% fixed from Maine Community Bank; pays off prior loans at 7% and 8%.
- Prior loans had ~$1.946M balloon payments due in Q3 2026; new loan amortizes through Q3 2030.
- Refinancing reduces annual interest expense and removes near-term balloon payment risk.
- Loan secured by substantially all assets; failure to pay could accelerate maturity.

## SEC filing metadata
- accession: 0001213900-25-074983
- form_type: 8-K
- ticker: ICCC
- cik: 0000811641
- company_name: IMMUCELL CORP /DE/
- filed_at: 2025-08-12T23:59:59+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/811641/000121390025074983/0001213900-25-074983-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/811641/000121390025074983/ea0252890-8k_immucell.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-074983
- JSON: https://secwatch.observer/filing/0001213900-25-074983.json
- Plain text: https://secwatch.observer/filing/0001213900-25-074983.txt

## Key facts
- Debt Financings
  IMMUCELL CORP /DE/ incurred loan of $2,327,119 with Maine Community Bank at 6.5% per annum.
  - Instrument: loan
  - Principal: $2,327,119
  - Counterparty: Maine Community Bank
  - Rate: 6.5% per annum
  - Event: incurrence
  source text: On August 7, 2025, ImmuCell Corporation (the “Company”) entered into a Loan Agreement, Promissory Note, and other definitive agreements covering a loan transaction with Maine Community Bank (MCB). Proceeds from such loan transaction in the principal amount of $2,327,119, and bearing interest at a fixed rate of 6.5% per annum
  evidence_url: https://www.sec.gov/Archives/edgar/data/811641/000121390025074983/0001213900-25-074983-index.htm

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