---
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"
generated_at: "2026-06-11T00:26:15.922692+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# INVO Bioscience sells $746.75K future receivables for $515K; nets $134K after prior advance repayment

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: debt
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-23-031521
- JSON: https://secwatch.observer/filing/0001493152-23-031521.json
- Plain text: https://secwatch.observer/filing/0001493152-23-031521.txt

## Key facts
- Debt Financings
  INVO Fertility, Inc. incurred debt of $746,750 with a merchant.
  - Principal: $746,750
  - Counterparty: a merchant
  - Event: incurrence
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1417926/000149315223031521/0001493152-23-031521-index.htm
- Material Agreements
  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).
  - Action: entry
  - Counterparty: a merchant (the "Merchant")
  - Value: $746,750 of our receivables for a gross purchase price of $515,000
  - Effective: 2023-08-31
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1417926/000149315223031521/0001493152-23-031521-index.htm

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