# EDGAR Filing Document

**Accession Number:** 0001999538
**File Stem:** 0001999538-25-000008
**Filing Date:** 2025-7
**Character Count:** 5165
**Document Hash:** 880ce8594fe4826f4b0c53b8316faeec
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999538-25-000008.hdr.sgml**: 20250729

**ACCESSION NUMBER**: 0001999538-25-000008

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250724

**ITEM INFORMATION**: Entry into a Material Definitive Agreement

**FILED AS OF DATE**: 20250729

**DATE AS OF CHANGE**: 20250729

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** X1 Capital Inc.
- **CENTRAL INDEX KEY:** 0001999538

**ORGANIZATION NAME:**
- **EIN:** 932414793
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 0930

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 814-01672
- **FILM NUMBER:** 251163092

**BUSINESS ADDRESS:**
- **STREET 1:** 6637 S WINDING BROOK DR
- **CITY:** FAIRHOPE
- **STATE:** AL
- **ZIP:** 36532
- **BUSINESS PHONE:** 7136147755

**MAIL ADDRESS:**
- **STREET 1:** 6637 S WINDING BROOK DR
- **CITY:** FAIRHOPE
- **STATE:** AL
- **ZIP:** 36532

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM 8-K**

Current Report

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 25, 2025

**X1 Capital Inc.**

(Exact Name of Registrant as Specified in its Charter)

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| | | |
|:---|:---|:---|
| 814-01672 | **Maryland** | Withheld due <br> to security concerns |
| (Commission File Number) | (State or other jurisdiction<br>of incorporation)  | (I.R.S. Employer <br>Identification No.) |

---

**6637 S Winding Brook Dr., Fairhope, AL 36532**

(Address of Principal Executive Offices and Zip Code)

Registrant telephone number, including area code: **(713)614-7755**

**Not Applicable**

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Exchange Act: None

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company 🗹

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Introductory Note**

First, X1 Capital Inc. ("X1") has formed CBT SF LLC ("CBT"). CBT acquires participating interest in loans issued by banks, with a primary focus on the government guaranteed portion of SBA and USDA loans.

Second, X1, along with its subsidiary CBT, has signed a credit agreement with Woodforest Bank in the amount of $15,000,000.

Third, CBT has raised non-debt financing from a third-party to purchase the participating interest in the loans. This financing is on a loan by loan basis.

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| | |
|:---|:---|
| **Section 1** | **Registrant's Business and Operations** |

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X1 has formed CBT SF LLC ("CBT"). CBT acquires participating interest in loans issued by banks, with a primary focus on the government guaranteed portion of SBA and USDA loans.

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| | |
|:---|:---|
| **Item 1.01** | **Entry into Material Definitive Agreement** |

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X1 along with its subsidiary CBT (collectively, "Company") has signed a credit agreement with Woodforest Bank This agreement allows the Company to draw down up to $15,000,000 in debt financing to fund bridge loans and purchase of the government guaranteed portion of SBA and USDA loans.

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| | |
|:---|:---|
| **Item 3.02** | **Unregistered Sale of Equity Securities** |

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| | |
|:---|:---|
| **Item 5.02** | **Departure of Directors or Certain Officers; Election of Directors; Appointment** <br> **of Certain Officers; Compensatory Arrangements of Certain Officers.** |

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**Item 9.01. Financial Statements and Exhibits.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits

<u>Exhibit No. </u> <u>Description </u> <br>10.1 [Woodforest Credit Agreement](wf72025v2.pdf)

**SIGNATURES**

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

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| | | |
|:---|:---|:---|
| Date: July 25, 2025 | **X1 Capital Inc.** | **X1 Capital Inc.** |
|  | By: | /s/ James Hickey |
|  | Name:  | James Hickey |
|  | Title: | CEO |

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**Exhibit 10.1**

**Woodforest Credit Agreement**

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### Attached PDF Documents

**Attachment 1:** `wf72025v2.pdf`

_No text found in this document._