# EDGAR Filing Document

**Accession Number:** 0001856497
**File Stem:** 0001193125-26-045830
**Filing Date:** 2026-2
**Character Count:** 3567
**Document Hash:** fa66315de3679c91f66a089ab4a5b1b7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-045830.hdr.sgml**: 20260211

**ACCESSION NUMBER**: 0001193125-26-045830

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20251231

**ITEM INFORMATION**: Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure

**FILED AS OF DATE**: 20260211

**DATE AS OF CHANGE**: 20260211

**ABS RULE**: RULE-15GA1

**PERIOD START**: 20250101

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FinBe, Inc.
- **CENTRAL INDEX KEY:** 0001856497

**ORGANIZATION NAME:**
- **EIN:** 743201007
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05512
- **FILM NUMBER:** 26619114

**BUSINESS ADDRESS:**
- **STREET 1:** 1475 W. CYPRESS CREEK ROAD
- **STREET 2:** SUITE 300
- **CITY:** FORT LAUDERDALE
- **STATE:** FL
- **ZIP:** 33309
- **BUSINESS PHONE:** 954-475-1400

**MAIL ADDRESS:**
- **STREET 1:** 1475 W. CYPRESS CREEK ROAD
- **STREET 2:** SUITE 300
- **CITY:** FORT LAUDERDALE
- **STATE:** FL
- **ZIP:** 33309

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Credito Real USA Finance, LLC
- **DATE OF NAME CHANGE:** 20210412

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER REPORT** 

**PURSUANT TO SECTION 15G OF THE** 

**SECURITIES EXCHANGE ACT OF 1934** 

**Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:** 

☒ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the annual reporting period January 1, 2025 to December 31, 2025** 

**Date of Report (Date of earliest event reported)** 

**February 11, 2026** 

## FINBE, INC.<sup>1,2</sup>
**(Exact name of securitizer as specified in its charter)** 

---

| | |
|:---|:---|
| **025-05512** | **0001856497** |
| **(Commission File Number of securitizer)** | **(Central Index Key Number of securitizer)** |

---

**Scot Seagrave, 954-615-1400** 

**Name and telephone number, including area code, of the person** 

**to contact in connection with this filing** 

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☒

☐ **Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)** 

<sup>1</sup> Credito Real USA Finance, LLC converted to a corporation and changed its name to Finbe, Inc. in April 2024.

<sup>2</sup> Finbe, Inc., as securitizer, is filing this Form ABS-15G in respect of all asset-backed securities sponsored by it and outstanding during the reporting period, including asset-backed securities privately issued by the following affiliated entity: Credito Real USA Auto Receivables Trust 2021-1 and FinBe USA Trust 2025-1. 

------

**SIGNATURES** 

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| Finbe, Inc. | Finbe, Inc. |
| **(Securitizer)** | **(Securitizer)** |
| By: | /s/ Scot Seagrave |
|  | Name:Scot Seagrave |
|  | Title: Managing Director |

---

Date: February 11, 2026