---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-23-036364"
form_type: "8-K"
ticker: "IVF"
cik: "0001417926"
company_name: "INVO Fertility, Inc."
filed_at: "2023-10-05T23:59:59+00:00"
generated_at: "2026-06-10T03:52:59.478019+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# INVO Bioscience enters $1.5M revenue loan agreement with Decathlon Alpha V LP

## Summary
- Loan amount $1,500,000, maturity June 29, 2028.
- First-priority lien on substantially all assets of INVO and its subsidiaries.
- Interest factor ranges from 35% to 100% of principal based on repayment timing.
- Proceeds: $300k to repay Cedar Advance, remainder for working capital.
- Subsidiaries guaranteed; subordination agreements with CEO, CFO related parties.

## SEC filing metadata
- accession: 0001493152-23-036364
- form_type: 8-K
- ticker: IVF
- cik: 0001417926
- company_name: INVO Fertility, Inc.
- filed_at: 2023-10-05T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1417926/000149315223036364/0001493152-23-036364-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1417926/000149315223036364/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-23-036364
- JSON: https://secwatch.observer/filing/0001493152-23-036364.json
- Plain text: https://secwatch.observer/filing/0001493152-23-036364.txt

## Key facts
- Debt Financings
  INVO Fertility, Inc. incurred loan of $1,500,000 with Decathlon Alpha V LP at based on a minimum amount that increases from thirty five percent (35%) of the L maturing June 29, 2028.
  - Instrument: loan
  - Principal: $1,500,000
  - Counterparty: Decathlon Alpha V LP
  - Rate: based on a minimum amount that increases from thirty five percent (35%) of the L
  - Maturity: June 29, 2028
  - Event: incurrence
  source text: under which the Lender made a revenue loan advance in the gross amount of $1,500,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1417926/000149315223036364/0001493152-23-036364-index.htm
- Material Agreements
  INVO Fertility, Inc. entered into Revenue Loan and Security Agreement with Decathlon Alpha V LP valued at $1,500,000 (effective 2023-09-29).
  - Action: entry
  - Agreement: credit facility
  - Counterparty: Decathlon Alpha V LP
  - Value: $1,500,000
  - Effective: 2023-09-29
  source text: On September 29, 2023, INVO Bioscience, Inc. (the “Company”), Steven Shum, as a Key Person, and the Company’s wholly-owned subsidiaries Bio X Cell, Inc, INVO Centers, LLC, Wood Violet Fertility LLC, Fertility Labs of Wisconsin LLC and Orange Blossom Fertility LLC as guarantors (the “Guarantors”), entered into a Revenue Loan and Security Agreement (the “Loan Agreement”) with Decathlon Alpha V LP (the “Lender”) under which the Lender made a revenue loan advance in the gross amount of $1,500,000 (the “Loan”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1417926/000149315223036364/0001493152-23-036364-index.htm

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