---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-028281"
form_type: "8-K"
ticker: "RMCF"
cik: "0001616262"
company_name: "Rocky Mountain Chocolate Factory, Inc."
filed_at: "2025-09-03T23:59:59+00:00"
generated_at: "2026-05-17T08:32:12.186050+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Rocky Mountain Chocolate Factory borrows $1.8M from insiders at 12% interest

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-25-028281
- form_type: 8-K
- ticker: RMCF
- cik: 0001616262
- company_name: Rocky Mountain Chocolate Factory, Inc.
- filed_at: 2025-09-03T23:59:59+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/1616262/000143774925028281/0001437749-25-028281-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1616262/000143774925028281/rmcfd20250829_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-028281
- JSON: https://secwatch.observer/filing/0001437749-25-028281.json
- Plain text: https://secwatch.observer/filing/0001437749-25-028281.txt

## Key facts
- Debt Financings
  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
  source text: RMC agreed to make an additional advance to the Company in the principal amount of $600,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1616262/000143774925028281/0001437749-25-028281-index.htm
- Debt Financings
  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
  source text: RMCF2 agreed to make an advance to the Company in the principal amount of $1,200,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1616262/000143774925028281/0001437749-25-028281-index.htm

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