Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1080

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1
Chunk 1080
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 to lend to the Company the balance of up to $5,700,000. The amendment also substantially reduces the interest
rate for the first $2 million that may be advanced by DBR Capital from 38.5% to 18.75% per annum, and further substantially reduces the
interest rate to 10% per annum (also from 38.5%) for any amounts loaned in excess of $2 million. The terms and conditions of the credit
arrangements with DBR Capital could make it difficult for the Company to attract third-party capital in the future.

We
might fail to realize the expected benefits and strategic objectives of our 2021 acquisition of a proprietary trading platform from a
business affiliated with two members of the Company’s Board of Directors.

During
September 2021, we acquired, among other assets, a proprietary algorithmic trading platform from MPower, a business controlled by two
members of our Board of Directors. The assets of MPower were acquired in consideration of the issuance of Class B Redeemable Units consisting
of non-voting membership interests in our wholly owned subsidiary IFGH that are in the future redeemable for 565,000,000 Company common
shares on a one-for-one basis. While we believe that the trading platform that we acquired in the acquisition will become a fundamental
part of our overall strategy to create a Brokerage and Financial Markets business, our expected deployment of those assets was unexpectedly
delayed due to complications and delays in the process of finding a broker-dealer relating to a former officer’s then ongoing legal
proceedings. Although we have since acquired a broker-dealer through our acquisition of Opencash in 2024, we might not achieve our expected,
or any, return on this investment. To date, we have been unable to monetize on the assets we purchased from MPower. If we are unsuccessful
at creating or growing this line of business, we may not be able to achieve our planned rates of growth or improve our market share,
profitability or competitive position.

Substantially
all of our employees are employed by professional employer organizations.

We
contract with a professional employer organization, or PEO, that administers our human resources, payroll and employee benefits functions
for our employees in the United States. Although we recruit and select our workers, each of these workers is also an employee of record
of the PEO. As a result, these workers are compensated through the PEO, are governed by the work policies