Financial Obligation (Form 8-K)

Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of Registrant.

On September 25, 2025, Standard Premium Finance Holdings, Inc., a Florida corporation (the "Company"), through its wholly-owned subsidiary, Standard Premium Finance Management Corporation (the "Borrower") entered into a Fifth Amendment to Loan Agreement and Omnibus Amendment to Loan Documents (the "Amendment") with First Horizon Bank, Flagstar Bank and Cadence Bank, which increased the maximum aggregate borrowing capacity under the Loan Agreement to $75,000,000 with an additional uncommitted $40,000,000 accordion feature for a total of $115,000,000. The Amendment also reduced the interest rate margin to 210 bps from a range of 255 - 296 bps. Additionally, the Amendment extended the maturity date of the loan to September 25, 2028. General terms were updated to reflect a syndicated loan arrangement. All other material terms of the Loan Agreement remain in full force and effect.

The foregoing description of the Fifth Amendment to Loan Agreement and Omnibus Amendment to Loan Documents is only a summary and is qualified in its entirety by reference to the full text of the Fifth Amendment to Loan Agreement and Omnibus Amendment to Loan Documents, which is filed as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.