{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-23-031521","form_type":"8-K","ticker":"IVF","cik":"0001417926","company_name":"INVO Fertility, Inc.","filed_at":"2023-09-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.862973+00:00","generated_at":"2026-06-11T00:26:15.922692+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"INVO Bioscience sells $746.75K future receivables for $515K; nets $134K after prior advance repayment","bullets":["Received net cash of $134,018 after using $390,892 to repay a previous Cedar Advance dated July 19, 2023.","Must pay $16,594 per week via ACH debit until the $746,750 receivables purchased amount is collected.","Early repayment within 30 days reduces amount to $643,750; within 31-60 days to $674,650.","Granted Cedar Advance a security interest in accounts, deposit accounts, and accounts receivable.","Proceeds to be used for working capital and general corporate purposes."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-23-031521","json":"https://secwatch.observer/filing/0001493152-23-031521.json","markdown":"https://secwatch.observer/filing/0001493152-23-031521.md","text":"https://secwatch.observer/filing/0001493152-23-031521.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1417926/000149315223031521/0001493152-23-031521-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1417926/000149315223031521/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-11T00:26:15.922692+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":"70c3e2b0f2501d5621196df410e6147f972d6272","claim":"INVO Fertility, Inc. incurred debt of $746,750 with a merchant.","evidence_excerpt":"On August 31, 2023, INVO Bioscience, Inc. (the “Company”) entered into a Standard Merchant Cash Advance Agreement (the “Cash Advance Agreement”) with a merchant (the “Merchant”) under which the Merchant purchased $746,750 of our receivables for a gross purchase price of $515,000.","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1417926/000149315223031521/0001493152-23-031521-index.htm","confidence":0.95,"family_label":"Debt Financings","details":[{"label":"Principal","value":"$746,750"},{"label":"Counterparty","value":"a merchant"},{"label":"Event","value":"incurrence"}],"fact_type":"debt_financing"},{"claim_id":"adb4ad3d27036c85e90584d505271cdc7d9e238c","claim":"INVO Fertility, Inc. entered into Standard Merchant Cash Advance Agreement with a merchant (the \"Merchant\") valued at $746,750 of our receivables for a gross purchase price of $515,000 (effective 2023-08-31).","evidence_excerpt":"On August 31, 2023, INVO Bioscience, Inc. (the \"Company\") entered into a Standard Merchant Cash Advance Agreement (the \"Cash Advance Agreement\") with a merchant (the \"Merchant\") under which the Merchant purchased $746,750 of our receivables for a gross purchase price of $515,000.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1417926/000149315223031521/0001493152-23-031521-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"entry"},{"label":"Counterparty","value":"a merchant (the \"Merchant\")"},{"label":"Value","value":"$746,750 of our receivables for a gross purchase price of $515,000"},{"label":"Effective","value":"2023-08-31"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}