---
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"
generated_at: "2026-05-17T05:33:12.355254+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# INVO Fertility restructures Decathlon loan; payment up $20k/mo, interest multiples raised

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: debt
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-015821
- JSON: https://secwatch.observer/filing/0001493152-25-015821.json
- Plain text: https://secwatch.observer/filing/0001493152-25-015821.txt

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