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Additional $2.0 Million Loan
On September 15, 2025, LM Funding America, Inc. (the "Company") entered into an Amendment to Loan Agreement and Loan Documents (the "Loan Agreement Amendment") by and among the Company, each of LM Funding, LLC and US Digital Mining and Hosting Co., LLC (subsidiaries of the Company), as guarantors (jointly and severally, the "Guarantors"), and SE & AJ Liebel Limited Partnership, as lender (the "Lender"). The Loan Agreement Amendment amends the Loan Agreement previously entered into on August 6, 2024, among the Company, the Guarantors, and the Lender (the "Original Loan Agreement"). Pursuant to the Loan Agreement Amendment, the Company obtained an additional loan of up to $2.0 million from the Lender (the "Additional Loan"), which is in addition to the $5.0 million loan that was made to the Company by the Lender under the original Loan Agreement (the "Initial Loan").
The Additional Loan bears interest at a rate of 12.0% per annum and will mature on September 15, 2027 (the "Maturity Date"). The Company will make monthly interest payments of all accrued and unpaid interest under the Additional Loan on the last business day of each month until the Maturity Date, and on such date the entire principal balance, together with accrued and unpaid interest, shall become due and payable. The Company may prepay the Additional Loan in whole or in part at any time without penalty. The proceeds of the Additional Loan will be used to fund the acquisition of hosting sites and/or working capital, including the funding of a part of the purchase price for the Transaction (as defined in Item 2.01 below). As provided in the Loan Agreement Amendment and the Promissory Note issued by the Company thereunder (the "Promissory Note"), an amount equal to $1.3 million of the Additional Loan was funded on the date of the Loan Agreement Amendment, and the balance of the additional loan in an amount of up to $700,000 (as determined by the Company and approved by the Lender) will be funded on October 15, 2025. The Additional Loan is secured by the same collateral, security agreement, and pledge agreement, and is subject to the same guarantees, as the Initial Loan, all as previously disclosed in the Current Report on Form 8-K filed by the Company on August 19, 2024, provided that the minimum Bitcoin collateral value that is pledged to secure the loan has been increased to 110% of the outstanding principal amount of Initial Loan and Additional Loan.
Posted In: LMFA
