---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-23-000632"
form_type: "8-K"
ticker: "IVF"
cik: "0001417926"
company_name: "INVO Fertility, Inc."
filed_at: "2023-01-05T23:59:59+00:00"
generated_at: "2026-06-20T19:31:02.921759+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# INVO Bioscience raises $375K in debt and warrant financings from investors and related party

## Summary
- On Jan 4, 2023, company sold $275,000 in 10% convertible notes (conversion at $0.50) and 5-year warrants for 275k shares at $1.00.
- On Dec 29, 2022, company obtained $100,000 demand note from JAG Multi Investments (CFO-related party) and issued warrant for 350k shares at $0.50.
- JAG's prior $400k demand notes payment date extended to March 31, 2023; $350k is callable now.
- Proceeds from both financings will be used for working capital and general corporate purposes.
- Notes and warrants issued in unregistered private placement under Section 4(a)(2) and Rule 506.

## SEC filing metadata
- accession: 0001493152-23-000632
- form_type: 8-K
- ticker: IVF
- cik: 0001417926
- company_name: INVO Fertility, Inc.
- filed_at: 2023-01-05T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.03, 3.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1417926/000149315223000632/0001493152-23-000632-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1417926/000149315223000632/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-23-000632
- JSON: https://secwatch.observer/filing/0001493152-23-000632.json
- Plain text: https://secwatch.observer/filing/0001493152-23-000632.txt

## Key facts
- Debt Financings
  INVO Fertility, Inc. amended loan of $400,000 with JAG Multi Investments LLC maturing March 31, 2023.
  - Instrument: loan
  - Principal: $400,000
  - Counterparty: JAG Multi Investments LLC
  - Maturity: March 31, 2023
  - Event: amendment
  source text: the date on which JAG can demand payment of principal, fees and any interest under those certain demand promissory previously issued to JAG by the Company for a total of $400,000, of which JAG may demand payment of $350,000 as of the date hereof, be extended to March 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1417926/000149315223000632/0001493152-23-000632-index.htm
- Debt Financings
  INVO Fertility, Inc. incurred loan of $100,000 with JAG Multi Investments LLC at 10% annual interest.
  - Instrument: loan
  - Principal: $100,000
  - Counterparty: JAG Multi Investments LLC
  - Rate: 10% annual interest
  - Event: incurrence
  source text: with JAG Multi Investments LLC (“JAG”), a related party to Andrea Goren, our CFO, who is a beneficiary of JAG but does
  evidence_url: https://www.sec.gov/Archives/edgar/data/1417926/000149315223000632/0001493152-23-000632-index.htm
- Material Agreements
  INVO Fertility, Inc. entered into Purchase Agreements with accredited investors valued at $275,000 (effective 2023-01-04).
  - Action: entry
  - Agreement: equity purchase
  - Counterparty: accredited investors
  - Value: $275,000
  - Effective: 2023-01-04
  source text: the Company entered into definitive securities purchase agreements (the “Purchase Agreements”) with accredited investors for their purchase of (i) unsecured convertible notes of the Company in the aggregate original principal amount of $275,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1417926/000149315223000632/0001493152-23-000632-index.htm

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