---
schema_version: "secwatch.filing_event.v1"
accession: "0001683168-26-006467"
form_type: "8-K"
ticker: "APCX"
cik: "0001070050"
company_name: "AppTech Payments Corp."
filed_at: "2026-08-14T19:14:36+00:00"
generated_at: "2026-08-14T19:15:04.728862+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.35
calibrated_materiality_score: 0.35
confidence: "high"
source: SEC EDGAR
---

# AppTech Payments borrows $500K at 9% from related-party trust for working capital

## Summary
- $500,000 promissory note dated Aug 10, 2026, from Suzanne D. Lord Spousal Estate Reduction Trust.
- Interest at 9.0% per annum, matures in 90 days (Nov 8, 2026); no payments until maturity.
- Lender is related party: Albert L. Lord, Jr., Chairman of Board, is trustee; board approved per policy.
- Proceeds for short-term working capital and general corporate purposes; prepayable without penalty.
- Events of default include non-payment, bankruptcy, uncured material breach; lender can accelerate.

## SEC filing metadata
- accession: 0001683168-26-006467
- form_type: 8-K
- ticker: APCX
- cik: 0001070050
- company_name: AppTech Payments Corp.
- filed_at: 2026-08-14T19:14:36+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.35
- calibrated_materiality_score: 0.35
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070050/000168316826006467/0001683168-26-006467-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070050/000168316826006467/apptech_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-26-006467
- JSON: https://secwatch.observer/filing/0001683168-26-006467.json
- Plain text: https://secwatch.observer/filing/0001683168-26-006467.txt

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