Rocky Mountain Chocolate Factory, Inc. (RMCF): debt financing — Rocky Mountain Chocolate Factory borrows $1.8M from insiders at 12% interest

Rocky Mountain Chocolate Factory, Inc.

Borrowed $1.2M from RMCF2 Credit, LLC (affiliated with Interim CEO Jeffrey Geygan) via a new credit agreement.
Received an additional $600K from RMC Credit Facility, LLC (affiliated with director Steven Craig) via an amendment.
Both loans bear 12% annual interest, mature Sept 30, 2027, and are secured by the Durango, CO property and other assets.
Financial covenant for maximum total liabilities to net worth was waived for fiscal quarters ending Aug 31 and Nov 30, 2025.
Proceeds will fund continued capital investment and working capital needs.

Key facts

Extracted from this filing and checked against the source text.

Debt Financings SEC 8-K Item 2.03/2.04 confidence 0.9

Rocky Mountain Chocolate Factory, Inc. amended credit facility of $600,000 with RMC Credit Facility, LLC at 12% per annum maturing September 30, 2027.

Instrument: credit facility
Principal: $600,000
Counterparty: RMC Credit Facility, LLC
Rate: 12% per annum
Maturity: September 30, 2027
Event: amendment

Exact text from the filing

RMC agreed to make an additional advance to the Company in the principal amount of $600,000

View on SEC.gov

Debt Financings SEC 8-K Item 2.03/2.04 confidence 0.9

Rocky Mountain Chocolate Factory, Inc. incurred loan of $1,200,000 with RMCF2 Credit, LLC at 12% per annum maturing September 30, 2027.

Instrument: loan
Principal: $1,200,000
Counterparty: RMCF2 Credit, LLC
Rate: 12% per annum
Maturity: September 30, 2027
Event: incurrence

Exact text from the filing

RMCF2 agreed to make an advance to the Company in the principal amount of $1,200,000

View on SEC.gov

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Rocky Mountain Chocolate Factory, Inc. filing history →

Source: SEC EDGAR

accession 0001437749-25-028281

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