---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-25-100408"
form_type: "8-K"
ticker: "UGRO"
cik: "0001706524"
company_name: "urban-gro, Inc."
filed_at: "2025-10-20T23:59:59+00:00"
generated_at: "2026-05-17T03:15:15.686400+00:00"
event_type: "litigation"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Lender sues urban-gro for breach of contract, fraud; alleges default on $2.1M note

## Summary
- Grow Hill, LLC filed lawsuit Oct 14, 2025 in Denver District Court (Case 2025CV33546) for breach of contract and fraud.
- Lender claims default on $2.1M promissory note due to missed payments; accelerated all amounts plus 1% default fee.
- Company intends to vigorously defend fraud allegation; investigating options to resolve the complaint.
- Loan originated Oct 1, 2024 with $100k origination fee; secured by certain assets (excluding subsidiaries).

## SEC filing metadata
- accession: 0001213900-25-100408
- form_type: 8-K
- ticker: UGRO
- cik: 0001706524
- company_name: urban-gro, Inc.
- filed_at: 2025-10-20T23:59:59+00:00
- event_type: litigation
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.04
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1706524/000121390025100408/0001213900-25-100408-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1706524/000121390025100408/ea0261809-8k_urbangro.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-100408
- JSON: https://secwatch.observer/filing/0001213900-25-100408.json
- Plain text: https://secwatch.observer/filing/0001213900-25-100408.txt

## Source-grounded claims
- claim_id: 3cba32a9bd1006803b1452325c11d0ad7f7eef63
  claim: urban-gro, Inc. faced acceleration on loan of $2,100,000 with Grow Hill, LLC.
  evidence_excerpt: Loan Agreement (the “Loan”) with Grow Hill, LLC, a Washington limited liability company (the “Lender”) pursuant to which the Lender extended to the Company a secured loan of $2,100,000 with an origination fee of $100,000, which was added to the amount of the Loan. The Loan is evidenced by a Secured Promissory Note issued by the Company to the Lender (the
  evidence_url: https://www.sec.gov/Archives/edgar/data/1706524/000121390025100408/0001213900-25-100408-index.htm

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