{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-24-000129","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2024-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.738775+00:00","generated_at":"2026-05-30T09:12:11.979930+00:00","sec_items":["1.01","2.02","7.01","9.01"],"event_type":"debt","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Oportun enters $235M senior secured term loan with Castlelake and Neuberger Berman","bullets":["Oportun signed $235 million Credit Agreement with Castlelake and Neuberger Berman on October 23, 2024 to refinance existing debt.","Loan bears 15% interest, matures in 4 years, with mandatory repayments of $12.5M by July 2025 and $27.5M by Jan 2026.","Lenders receive warrants for 9.8% of fully-diluted shares at $0.01 per share, plus board observer rights.","Preliminary Q3 2024 results: Total Revenue $249-251M, Adjusted EBITDA $28-31M, Net Loss $(30-32)M, meeting guidance.","Company expects 2025 Diluted EPS of $0.25-$0.50 and Adjusted EPS of $1.00-$1.25, with net charge-off rate 11-12%."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-24-000129","json":"https://secwatch.observer/filing/0001538716-24-000129.json","markdown":"https://secwatch.observer/filing/0001538716-24-000129.md","text":"https://secwatch.observer/filing/0001538716-24-000129.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000129/0001538716-24-000129-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000129/oprt-20241023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T09:12:11.979930+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"}