EX-10.18





 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K,
ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. 

Exhibit 10.18 

Execution Copy 

AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT 

THIS AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of February 14, 2020 (the
“Effective Date”) to that certain Revolving Credit Agreement, dated as of April 15, 2019 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and,
as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE VI, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity,
the “Originator”), as servicer (in such capacity, the “Servicer”) and as a Seller (in such capacity, a “Seller”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a
“Seller”; the Borrower, the Company, the Servicer, the Originator and each Seller, collectively, the “Credit Parties”), Ares Agent Services, L.P., as Administrative Agent (in such capacity, the
“Administrative Agent”) and as Collateral Agent (in such capacity, the “Collateral Agent” and together with the Administrative Agent, the “Agents”) and the Lenders parties thereto from time to time
(the “Lenders” and each, individually, a “Lender”). 
 PRELIMINARY STATEMENTS 

WHEREAS, the Borrower, the Servicer, the Originator, the Sellers, the Agents and the Lenders entered into the Existing Credit Agreement
whereby the Lenders agreed to extend a revolving credit facility (the “Facility”) to the Borrower and the Borrower agreed to secure its Obligations under the Existing Credit Agreement by granting to the Collateral Agent, for the
benefit of the Secured Parties, a first priority Lien on all of its assets; and 
 WHEREAS, the parties hereto desire to amend the Existing
Credit Agreement on the terms and conditions set forth herein. 
 NOW THEREFORE, in consideration of the premises and other good and
valuable consideration, the parties hereto hereby agree as follows: 
 AGREEMENT 

 

	 	1.	 Definitions. Capitalized terms that are used in this Amendment (including the recitals hereto, which are
herein incorporated) but are not defined herein shall have the meanings set forth in the Amended Credit Agreement, unless otherwise stated. 


  

	 	2.	 Amendments to Credit Agreement. Effective as of the date of this Amendment, the Existing Credit
Agreement is hereby amended as follows: 


 (a)    Section 1.01 of the Existing Credit Agreement is
hereby amended by adding the following definition in proper alphabetical order: 
 “Ares Maximum Committed Amount” means
the lesser of (i) the Maximum Committed Amount and (ii) $83,333,333. 












 (b)     Section 1.01 of the Existing Credit Agreement is hereby
amended by deleting the definition of “Targeted Ares Draw” in its entirety and replacing it with the following: 

“Targeted Ares Draw” means, with respect to any date of determination, the lesser of (A) the product of (x) the
Total SPV Drawn Amount as of such date of determination, multiplied by (y) a fraction, (i) the numerator of which is the Ares Maximum Committed Amount hereunder and (ii) the denominator of which is the Total SPV Committed Amount and
(B) the Undrawn Amount. 
 (c)     Section 1.01 of the Existing Credit Agreement is hereby amended by
deleting the definition of “Total SPV Committed Amount” in its entirety and replacing it with the following: 
 “Total SPV
Committed Amount” means the sum of (i) the Ares Maximum Committed Amount hereunder plus (ii) the Atalaya Maximum Committed Amount. 

(d)     Section 5.19 of the Existing Credit Agreement is hereby deleted in its entirety and replaced with the
following: 
 Section 5.19     Proportional Draws. The Credit Parties shall cause the Borrower and the
Atalaya Borrower to borrow amounts under this Agreement and the Atalaya Credit Agreement, pro rata based on the Ares Maximum Committed Amount and the Atalaya Maximum Committed Amount; provided, however that (i) compliance
with the foregoing requirement shall be tested only as of the last day of each calendar quarter and (ii) discrepancies of $[***] or less between the Targeted Atalaya Draw and the aggregate amount actually drawn under the Atalaya Credit
Agreement or between the Targeted Ares Draw and the aggregate amount actually drawn under this Agreement, in each case, since the Closing Date and measured as of the end of each calendar quarter shall not constitute a breach of the foregoing
requirement. 
  

	 	3.	 Limitation of Amendments. 



(a)     The amendments set forth in Article 2, above, are effective for the purposes set forth herein and shall be
limited precisely as written. This Amendment does not, and shall not be construed to, constitute a waiver of any past, present or future violation of the Credit Agreement, the other Credit Documents or any other related document, and shall not,
directly or indirectly in any way whatsoever either: (i) impair, prejudice or otherwise adversely affect any Agent’s or any Lender’s right at any time to exercise any right, privilege or remedy in connection with the Credit Agreement,
any other Credit Document or any other related document (all of which rights are hereby expressly reserved by the Agents and Lenders), (ii) except as specifically set forth herein, amend or alter any provision of the Credit Agreement, any other
Credit Document or any other related document, (iii) constitute any course of dealing or other basis for altering any obligation of Borrower or any of its Affiliates or any right, privilege or remedy of any Agent or any Lender under the Credit
Agreement, any other Credit Document or any other related document or (iv) constitute any consent (deemed or express) by any Agent or any Lender to any prior, existing or 

  
 2 













 
future violations of the Credit Agreement, any other Credit Document or any other related document. There are no oral agreements among the parties hereto, and no prior or future discussions or
representations regarding the subject matter hereof shall constitute a waiver of any past, present or future violation of the Credit Agreement, any other Credit Document or any other related document. 

(b)     This Amendment shall be construed in connection with and as part of the Credit Agreement and all terms,
conditions, representations, warranties, covenants and agreements set forth in the Credit Agreement, as amended by this Amendment, and each other Credit Document are hereby ratified and confirmed and shall remain in full force and effect, except
that on and after the date hereof all references in the other Credit Documents to the “Credit Agreement,” “thereto,” “thereof,” “thereunder” or words of like import referring to the Credit Agreement shall mean
and refer to the Amended Credit Agreement. 
  

	 	4.	 Representations and Warranties. 



(a)     Each Credit Party affirms that the execution, delivery and performance of this Amendment and the performance by it
of the Amended Credit Agreement have been duly authorized by all necessary action, and it has all requisite power and authority to execute, deliver and perform this Amendment and to perform the Amended Credit Agreement. 

(b)     Each Credit Party represents and warrants that this Amendment and the Amended Credit Agreement constitute its
legally valid and binding obligations, enforceable against it in accordance with the respective terms hereof and thereof, except as enforcement may be limited by equitable principles (regardless of whether enforcement is sought in equity or at law)
or by bankruptcy, insolvency, reorganization, moratorium, or similar laws relating to or limiting creditors’ rights generally. 

(c)     Each Credit Party (with respect to itself) represents and warrants that the representations and warranties
contained in Article 4 of the Existing Credit Agreement are true and correct in all material respects after giving effect to this Amendment on and as of the date hereof as though made on and as of the date hereof (except to the extent such
representations and warranties expressly relate to an earlier date), and no Default or Event of Default exists (after giving effect to this Amendment) or would result from this Amendment becoming effective in accordance with its terms. 

 

	 	5.	 Conditions Precedent to Effectiveness of this Amendment. The effectiveness of this Amendment is subject
to the satisfaction of the following conditions precedent, unless specifically waived in writing by the Administrative Agent: 



(a)     The Administrative Agent shall have received this Amendment duly executed by the Credit Parties. 

(b)     After giving effect to the terms of this Amendment, the representations and warranties contained herein and in
the Credit Agreement and the other Credit Documents shall be true and correct in all material respects (except for such representations and warranties already qualified by materiality which shall be true and correct in all respects) on and as of the
Effective Default shall have occurred and be continuing. 

  
 3 













 (c)    Borrower shall have paid to the Agents and the Lenders, as
applicable, all outstanding Permitted Expenses. 
 (d)    The Administrative Agent shall have received an executed
amendment to the Atalaya Credit Agreement, in form and substance satisfactory to the Administrative Agent. 
  

	 	6.	 Ratifications. The terms and provisions set forth in this Amendment shall modify and supersede
all inconsistent terms and provisions set forth in the Credit Agreement and the Credit Documents and, except as expressly modified and superseded by this Amendment, the terms and provisions of the Credit Agreement and the other Credit Documents are
ratified and confirmed as of the Effective Date and shall continue in full force and effect. The Borrower hereby agrees that all Liens and security interests securing payment of the Obligations under the Credit Documents are hereby collectively
renewed, ratified and brought forward as security for the payment and performance of the Obligations. The Credit Parties, the Agents and the Lenders agree that the Credit Agreement and the other Credit Documents, as amended hereby, shall continue to
be legal, valid, binding and enforceable in accordance with their respective terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization, receivership, moratorium or other similar laws relating to or affecting the
rights of creditors generally, and by general equity principles (regardless of whether such enforcement is considered in a proceeding in equity or at law). 


  

	 	7.	 Reference to Credit Agreement; Amendment as a Credit Document. Each of the Credit Agreement and
the other Credit Documents, and any and all other agreements, documents or instruments now or hereafter executed and delivered pursuant to the terms hereof or pursuant to the terms of the Credit Agreement, as amended hereby, are hereby amended so
that any reference in the Credit Agreement and such other Credit Documents to the Credit Agreement shall mean a reference to the Credit Agreement as amended hereby. Each Credit Party acknowledges and agrees that this Amendment constitutes a
“Credit Document.” Accordingly, it shall be an Event of Default under the Existing Credit Agreement if any representation or warranty made by a Credit Party under or in connection with this Amendment shall have been false in any material
respect when made and which shall not have been remedied or waived within fifteen (15) Business Days after the earlier of (i) an Authorized Officer of such Credit Party becoming aware of such falsity, or (ii) receipt by such Credit
Party of written notice from the Administrative Agent or any Lender of such falsity. 


  

	 	8.	 Expenses of Agents and Lenders. Each Credit Party agrees to pay, jointly and severally, promptly
after demand, all reasonable and documented out-of-pocket costs and expenses of the Agents and the Lenders in connection with the negotiation, preparation, execution and delivery of this Amendment in accordance with Section 9.2 of the Amended
Credit Agreement. 



  
 4 














	 	9.	 Severability. Any provision of this Amendment held to be invalid, illegal or unenforceable in any
jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability without affecting the validity, legality and enforceability of the remaining provisions hereof; and the invalidity of a
particular provision in a particular jurisdiction shall not invalidate such provision in any other jurisdiction. 


  

	 	10.	 Successors and Assigns. This Amendment is binding upon and shall inure to the benefit of the Agents, the
Lenders, the Credit Parties, and their respective successors and permitted assigns, except that the Credit Parties may not assign or transfer any of its respective rights or obligations hereunder without the prior written consent of the
Administrative Agent. 


  

	 	11.	 Counterparts. This Amendment may be executed in counterparts (and by different parties hereto on
different counterparts), each of which shall constitute an original, but all of which when taken together shall constitute a single contract. Delivery of an executed counterpart of a signature page to this Amendment by telecopy or other electronic
means shall be effective as delivery of a manually executed counterpart of this Amendment. 


  

	 	12.	 No Waiver. Other than as specifically set forth in Article 2, nothing contained in this Amendment
shall be construed as an amendment or waiver by the Agents or the Lenders of any covenant or provision of the Credit Agreement, the other Credit Documents, this Amendment, or of any other contract or instrument among the Credit Parties, the Lenders
and the Agents, and the failure of the Lenders and the Agents at any time or times hereafter to require strict performance by the Credit Parties of any provision thereof shall not waive, affect or diminish any right of the Agents to thereafter
demand strict compliance therewith. The Agents and Lenders hereby reserve all rights granted to each of them under the Credit Agreement, the other Credit Documents, this Amendment and any other contract or instrument among the Credit Parties and any
one or more of the Agents and the Lenders. 


  

	 	13.	 Release. To the extent permitted by applicable law, no Credit Party shall assert, and each Credit Party
hereby waives, any claim against the Lenders, the Agents and their respective Affiliates, directors, employees, attorneys or agents, on any theory of liability, arising out of, in connection with, as a result of, or in any way related to this
Amendment and each Credit Document on or before the date of this Amendment and each of Credit Party hereby waives, releases and agrees not to sue upon any such claim or any such damages, whether or not accrued and whether or not known or suspected
to exist in its favor. 


  

	 	14.	 Headings. Article and Section headings used herein are for convenience of reference only, are not part
of this Amendment and shall not affect the construction of, or be taken into consideration in interpreting, this Amendment. 


  

	 	15.	 Applicable Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE
STATE OF NEW YORK WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES (OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW). 



  
 5 














	 	16.	 Final Agreement. THE CREDIT AGREEMENT, AS AMENDED HEREBY, CONSTITUTES THE ENTIRE CONTRACT BETWEEN AND
AMONG THE PARTIES RELATING TO THE SUBJECT MATTER THEREOF AND SUPERSEDES ANY AND ALL PREVIOUS AGREEMENTS AND UNDERSTANDINGS, ORAL OR WRITTEN, RELATING TO THE SUBJECT MATTER THEREOF. 



 

	 	17.	 Time. Time is of the essence of this Amendment. 



[Page intentionally left blank; signature pages follow] 

  
 6 













 IN WITNESS WHEREOF, each of the parties hereto has executed this Amendment as of the date first
above-written. 
  

			
	OPPORTUNITY FUNDING SPE VI, LLC,
	  as Borrower
		
	By:	 	 /s/ Shiven Shah

	Name:	 	Shiven Shah
	Title:	 	Chief Financial Officer
	
	OPPORTUNITY FINANCIAL, LLC
	     in its individual capacity, as Originator, Servicer and 

    a Seller

		
	By:	 	 /s/ Shiven Shah

	Name:	 	Shiven Shah
	Title:	 	Chief Financial Officer
	
	OPPWIN, LLC,
	    as a Seller
		
	By:	 	 /s/ Shiven Shah

	Name:	 	Shiven Shah
	Title:	 	Chief Financial Officer



  
 [Signature Page to
Amendment No. 4 (OppFunding VI] 














			
	ARES AGENT SERVICES, L.P.,
	    By: Ares Agent Services GP LLC,
	     its general partner as Administrative Agent and

    Collateral Agent

		
	By:	 	 /s/ Jeffrey W. Kramer

	Name:	 	Jeffrey W. Kramer
	Title:	 	Authorized Signatory
	
	SONORAN CACTUS PRIVATE ASSET BACKED FUND, LLC,
	     By: Ares Cactus Operating Manager GP, LLC,

    its Manager as a Lender

		
	By:	 	 /s/ Jeffrey W. Kramer

	Name:	 	Jeffrey W. Kramer
	Title:	 	Authorized Signatory
	
	ARES ASSET-BACKED LOAN FUND, LP
	     By: Ares Capital Management III LLC, its

    Management Company 

    as a Lender

		
	By:	 	 /s/ Jeffrey W. Kramer

	Name:	 	Jeffrey W. Kramer
	Title:	 	Authorized Signatory
	
	GLENLAKE LOAN FUND, LLC,
	     By: Ares Management LLC, its Investment

    Manager

	    as a Lender
		
	By:	 	 /s/ Jeffrey W. Kramer

	Name:	 	Jeffrey W. Kramer
	Title:	 	Authorized Signatory



  
 [Signature Page to
Amendment No. 4 (OppFunding VI] 














			
	ARES CREDIT STRATEGIES INSURANCE
	DEDICATED FUND SERIES INTERESTS OF
	THE SALI MULTI-SERIES FUND, L.P.
	
	By: Ares Management LLC, its Investment Subadvisor
		
	By:	 	 /s/ Greg Margolies

	Name:	 	Greg Margolies
	Title:	 	Authorized Signatory
	
	DEARBORN PARK ASSET-BACKED FUND LLC
	
	By: Ares Management LLC, its Manager
		
	By:	 	 /s/ Jeffrey W. Kramer

	Name:	 	Jeffrey W. Kramer
	Title:	 	Authorized Signatory



  
 [Signature Page to
Amendment No. 4 (OppFunding VI]