{"schema_version":"secwatch.filing_event.v1","accession":"0001476840-25-000103","form_type":"8-K","ticker":"EXFY","cik":"0001476840","company_name":"Expensify, Inc.","filed_at":"2025-07-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.069043+00:00","generated_at":"2026-05-18T09:04:28.803003+00:00","sec_items":["1.02"],"event_type":"other","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"confidence":"high","headline":"Expensify terminates undrawn credit facility with CIBC; no penalties incurred","bullets":["Terminated Second Amended and Restated Loan and Security Agreement with CIBC on July 1, 2025.","No borrowings outstanding; revolving line and letters of credit fully undrawn at termination.","All obligations paid in full, liens released, and collateral returned.","No penalties incurred by Expensify as a result of the termination."],"urls":{"canonical":"https://secwatch.observer/filing/0001476840-25-000103","json":"https://secwatch.observer/filing/0001476840-25-000103.json","markdown":"https://secwatch.observer/filing/0001476840-25-000103.md","text":"https://secwatch.observer/filing/0001476840-25-000103.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476840/000147684025000103/0001476840-25-000103-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476840/000147684025000103/exfy-20250701.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T09:04:28.803003+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}