---
schema_version: "secwatch.filing_event.v1"
accession: "0001683168-24-000184"
form_type: "8-K"
ticker: "FCUV"
cik: "0001590418"
company_name: "FOCUS UNIVERSAL INC."
filed_at: "2024-01-11T23:59:59+00:00"
generated_at: "2026-06-07T00:33:12.217531+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.3
calibrated_materiality_score: 0.3
confidence: "high"
source: SEC EDGAR
---

# Focus Universal enters $300K loan at 3% as first tranche of $5M credit facility

## Summary
- Board authorized up to $5M revolving credit facility on Jan 2, 2024; first $300,000 tranche funded Jan 9.
- Loan carries 3% annual compound interest, matures Feb 4, 2024.
- Repayment in 12 equal installments of $25,408.11 starting on maturity date.
- Lender is a private entity; terms do not include publicly traded counterparty.

## SEC filing metadata
- accession: 0001683168-24-000184
- form_type: 8-K
- ticker: FCUV
- cik: 0001590418
- company_name: FOCUS UNIVERSAL INC.
- filed_at: 2024-01-11T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.3
- calibrated_materiality_score: 0.3
- confidence: high
- sec_items: 1.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1590418/000168316824000184/0001683168-24-000184-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1590418/000168316824000184/focus_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-24-000184
- JSON: https://secwatch.observer/filing/0001683168-24-000184.json
- Plain text: https://secwatch.observer/filing/0001683168-24-000184.txt

## Key facts
- Material Agreements
  FOCUS UNIVERSAL INC. entered into Revolving Credit Facility with private lender valued at $300,000 (effective 2024-01-09).
  - Action: entry
  - Agreement: credit facility
  - Counterparty: private lender
  - Value: $300,000
  - Effective: 2024-01-09
  source text: On January 2, 2024, the board of directors of Focus Universal Inc. (the “Company”) authorized the Company to enter into a revolving credit facility or series of promissory notes of up to $5 million with one or more lenders. The Company accepted the first $300,000 tranche on January 9, 2024 (the “Loan”) with a private lender (the “Lender”) whereby the Lender loaned $300,000 to the Company (the “Principal Amount”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1590418/000168316824000184/0001683168-24-000184-index.htm

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