---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-24-039059"
form_type: "8-K"
ticker: "IVF"
cik: "0001417926"
company_name: "INVO Fertility, Inc."
filed_at: "2024-10-01T23:59:59+00:00"
generated_at: "2026-05-30T23:13:42.686107+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# INVO Bioscience enters $265k cash advance; senior lender imposes equity raise condition to avoid interest hike

## Summary
- Cedar Advance LLC purchased $384,250 of future sales for gross $265,000; net proceeds $251,750.
- Weekly payments of $9,606 until purchase price repaid; proceeds for working capital.
- Decathlon amendment: if INVO fails to raise $1M net equity by Nov 30, 2024, minimum interest multiples rise 0.15x.
- Cedar Advance subordinated to Decathlon's senior lien via separate agreement.
- Transaction authorized by Decathlon under restated first amendment to revenue loan agreement.

## SEC filing metadata
- accession: 0001493152-24-039059
- form_type: 8-K
- ticker: IVF
- cik: 0001417926
- company_name: INVO Fertility, Inc.
- filed_at: 2024-10-01T23:59:59+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/1417926/000149315224039059/0001493152-24-039059-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1417926/000149315224039059/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-24-039059
- JSON: https://secwatch.observer/filing/0001493152-24-039059.json
- Plain text: https://secwatch.observer/filing/0001493152-24-039059.txt

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