{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-22-035812","form_type":"8-K","ticker":"IVF","cik":"0001417926","company_name":"INVO Fertility, Inc.","filed_at":"2022-12-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.577288+00:00","generated_at":"2026-06-21T02:26:46.799267+00:00","sec_items":["2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"confidence":"high","headline":"INVO Bioscience raises $100k in demand promissory notes from CEO, CFO, and related party","bullets":["Received $25k from CEO Steven Shum, $25k from entity controlled by CFO Andrea Goren, and $50k from JAG Multi Investments LLC.","Interest-free until Jan 31, 2023; thereafter 10% annual interest from issuance date.","Notes payable at maturity with 10% financing fee plus accrued interest; callable with 10 days notice after 30 days."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-22-035812","json":"https://secwatch.observer/filing/0001493152-22-035812.json","markdown":"https://secwatch.observer/filing/0001493152-22-035812.md","text":"https://secwatch.observer/filing/0001493152-22-035812.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1417926/000149315222035812/0001493152-22-035812-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1417926/000149315222035812/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-21T02:26:46.799267+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":[{"claim_id":"3a2dacc65a529b4b740440de3075afd4401fb1de","claim":"INVO Fertility, Inc. incurred loan of $100,000 at 10% annual interest.","evidence_excerpt":"On December 13, 2022, INVO Bioscience, Inc. (the “Company”) received $100,000 through the issuance of demand promissory notes of which (1) $25,000 was received from our chief executive officer, Steven Shum, (2) $25,000 was received from an entity controlled by our chief financial officer, Andrea Goren, and (3) $50,000 was received from JAG Multi Investments LLC (“JAG”), a related party to Mr. Goren, who is a beneficiary of JAG but does not have any control over JAG’s investment decisions with respect to the Company.","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1417926/000149315222035812/0001493152-22-035812-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"loan"},{"label":"Principal","value":"$100,000"},{"label":"Rate","value":"10% annual interest"},{"label":"Event","value":"incurrence"}],"fact_type":"debt_financing"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}