{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-25-015821","form_type":"8-K","ticker":"IVF","cik":"0001417926","company_name":"INVO Fertility, Inc.","filed_at":"2025-09-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.941524+00:00","generated_at":"2026-05-17T05:33:12.355254+00:00","sec_items":["1.01","9.01"],"event_type":"debt","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"INVO Fertility restructures Decathlon loan; payment up $20k/mo, interest multiples raised","bullets":["Monthly loan payment increased by $20,000 beginning August 2025.","Minimum Interest multiples rose 0.15 effective Dec 1, 2024 due to failure to raise $1M equity by Nov 30, 2024.","Lender waived default arising from Pritts Settlement consent judgment over $50,000.","Company to reimburse lender $17,488 for fees and expenses related to amendments and settlement."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-25-015821","json":"https://secwatch.observer/filing/0001493152-25-015821.json","markdown":"https://secwatch.observer/filing/0001493152-25-015821.md","text":"https://secwatch.observer/filing/0001493152-25-015821.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1417926/000149315225015821/0001493152-25-015821-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1417926/000149315225015821/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T05:33:12.355254+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}