---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-26-002554"
form_type: "8-K"
ticker: "BACK"
cik: "0001729944"
company_name: "IMAC Holdings, Inc."
filed_at: "2026-01-16T23:59:59+00:00"
generated_at: "2026-05-16T09:55:19.928490+00:00"
event_type: "debt"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# IMAC Holdings issues $292.6K secured promissory note at 71% of face, due Jan 31, 2026

## Summary
- Note principal $292,600; purchased for $209,000 (71.4% of face value).
- Matures January 31, 2026; secured and prepayable without penalty.
- Issued to a single lender on January 15, 2026 under Item 2.03.
- Terms include customary covenants and events of default, including bankruptcy.

## SEC filing metadata
- accession: 0001493152-26-002554
- form_type: 8-K
- ticker: BACK
- cik: 0001729944
- company_name: IMAC Holdings, Inc.
- filed_at: 2026-01-16T23:59:59+00:00
- event_type: debt
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1729944/000149315226002554/0001493152-26-002554-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1729944/000149315226002554/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-002554
- JSON: https://secwatch.observer/filing/0001493152-26-002554.json
- Plain text: https://secwatch.observer/filing/0001493152-26-002554.txt

## Key facts
- Debt Financings
  IMAC Holdings, Inc. incurred loan of $292,600 maturing January 31, 2026.
  - Instrument: loan
  - Principal: $292,600
  - Maturity: January 31, 2026
  - Event: incurrence
  source text: On January 15, 2026, IMAC Holdings, Inc. (the “Company”) issued a promissory note (the “Note”) to a certain lender (the “Lender”) in the aggregate principal amount of $292,600 for an aggregate purchase price from the Lenders of $209,000.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1729944/000149315226002554/0001493152-26-002554-index.htm

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