{"schema_version":"secwatch.filing_event.v1","accession":"0001553350-21-000884","form_type":"8-K","ticker":"SPFX","cik":"0001807893","company_name":"STANDARD PREMIUM FINANCE HOLDINGS, INC.","filed_at":"2021-10-05T23:59:59+00:00","discovered_at":"2026-05-14T18:04:14.235084+00:00","generated_at":"2026-06-28T23:05:32.783393+00:00","sec_items":["2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Standard Premium Finance Holdings increases revolving credit facility to $45M from $35M","bullets":["Borrowing capacity increased to $45M from $35M under secured revolving credit facility with First Horizon Bank.","Maximum total balance sheet leverage ratio set at 3.5:1, tested quarterly.","Carl Christian Hoechner added as an individual guarantor under the loan agreement.","Amendment dated October 5, 2021, effective immediately; all other terms unchanged."],"urls":{"canonical":"https://secwatch.observer/filing/0001553350-21-000884","json":"https://secwatch.observer/filing/0001553350-21-000884.json","markdown":"https://secwatch.observer/filing/0001553350-21-000884.md","text":"https://secwatch.observer/filing/0001553350-21-000884.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1807893/000155335021000884/0001553350-21-000884-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1807893/000155335021000884/spfh_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T23:05:32.783393+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"}