---
schema_version: "secwatch.filing_event.v1"
accession: "0001663577-26-000303"
form_type: "8-K"
ticker: "SWRD"
cik: "0001795851"
company_name: "Stewards, Inc."
filed_at: "2026-09-22T00:30:35+00:00"
generated_at: "2026-09-22T10:06:03.128876+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Stewards extends $1.6M promissory note maturity to Oct 15, 2026; default interest waived

## Summary
- Final $1.6M principal installment due Sept 1, 2026 extended to Oct 15, 2026.
- Interest stays at 10% simple; $20,000 accrued interest due Oct 15 with principal.
- 15% default interest waived from Jun 1 to Oct 15, 2026; reinstated if not paid by Oct 15.
- Holder FAVO Holdings is related party: 65% Vincent Napolitano, 35% CEO Shaun Quin; Quin recused.
- Company had not paid $1.6M plus accrued interest due Sept 1; extension avoids default.

## SEC filing metadata
- accession: 0001663577-26-000303
- form_type: 8-K
- ticker: SWRD
- cik: 0001795851
- company_name: Stewards, Inc.
- filed_at: 2026-09-22T00:30:35+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1795851/000166357726000303/0001663577-26-000303-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1795851/000166357726000303/swrd_8k092126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001663577-26-000303
- JSON: https://secwatch.observer/filing/0001663577-26-000303.json
- Plain text: https://secwatch.observer/filing/0001663577-26-000303.txt

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