# EDGAR Filing Document

**Accession Number:** 0001874705
**File Stem:** 0000905148-26-001967
**Filing Date:** 2026-4
**Character Count:** 8892
**Document Hash:** 0b8a3476ab90cffdd025f1c84a0fc153
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000905148-26-001967.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0000905148-26-001967

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20260428

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** McKay Christopher J.
- **CENTRAL INDEX KEY:** 0001874705

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-39550
- **FILM NUMBER:** 26925924

**MAIL ADDRESS:**
- **STREET 1:** 130 E. RANDOLPH STREET
- **STREET 2:** SUITE 3300
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60601
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** OppFi Inc.
- **CENTRAL INDEX KEY:** 0001818502
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 851648122
- **FISCAL YEAR END:** 1231

**BUSINESS ADDRESS:**
- **STREET 1:** 130 E. RANDOLPH STREET
- **STREET 2:** SUITE 3400
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60601
- **BUSINESS PHONE:** (312) 212-8079

**MAIL ADDRESS:**
- **STREET 1:** 130 E. RANDOLPH STREET
- **STREET 2:** SUITE 3400
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60601

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FG New America Acquisition Corp.
- **DATE OF NAME CHANGE:** 20200717

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 4

### STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

[ ] Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>McKay Christopher J.<br><sub>(Last) (First) (Middle)</sub><br>130 E. RANDOLPH STREET<br>SUITE 3400<br><sub>(Street)</sub><br>CHICAGO, IL 60601<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2026-04-28 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [ ] 10% Owner<br>[X] Officer (give title below) [ ] Other (specify below)<br>_Chief Risk & Analytics Officer_ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>OppFi Inc. [ OPFI ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | 3. Transaction Code (V) | 3. Transaction Code (V) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | Code | V | Amount | (A) or (D) | Price | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| Class V Common Stock<sup>(1)</sup> | 2026-04-28 |  | D<sup>(2)</sup> |  | 1350000 | D | 0<sup>(2)</sup> | 0 | I | By OppFi Shares, LLC<sup>(3)</sup> |
| Class A Common Stock | 2026-04-28 |  | A<sup>(2)</sup> |  | 1350000 | A | 0<sup>(2)</sup> | 1537103 | D |  |

---

## Table II - Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | 4. Transaction Code (V) | 4. Transaction Code (V) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 6. Date Exercisable and Expiration Date | 6. Date Exercisable and Expiration Date | 7. Title and Amount of Underlying Securities | 7. Title and Amount of Underlying Securities | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | Code | V | (A) | (D) | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| Class A Common Units<sup>(4)</sup> | $0 | 2026-04-28 |  | D<sup>(2)</sup> |  |  | 1350000 | <sup>(4)</sup> | <sup>(4)</sup> | Class A Common Stock | 1350000 | $0 | 0 | I | By OppFi Management Holdings, LLC<sup>(5)</sup> |

---

### Footnotes:

(1) Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represented voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock were entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock would be cancelled by the Issuer if the reporting person exercised (or caused OppFi Management Holdings, LLC ("OFMH") to exercise) Exchange Rights (as defined below in footnote 4).

(2) Pursuant to the Corporate Simplification Agreement, dated April 28, 2026 (the "Corporate Simplification Agreement"), each outstanding Class A common unit ("Common Unit") of Opportunity Financial, LLC ("Opportunity Financial") held by any members of Opportunity Financial, including OFMH, was canceled and converted automatically into the right to receive one validly issued, fully paid and non-assessable share of Class A common stock, par value $0.0001 per share, of the Issuer ("Class A Common Stock"). In connection therewith, pursuant to the Corporate Simplification Agreement, OppFi Shares, LLC ("OFS") surrendered to the Issuer the outstanding shares of Class V Common Stock it owned.

(3) The shares of Class V Common Stock were held by OFS, which had sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person had the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or OFMH's) Exchange Rights.

(4) Common Units of Opportunity Financial generally represented economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit could be exchanged by the holder from time to time for either one share of Class A Common Stock or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

(5) These Common Units were held by OFMH, of which the reporting person is a member. OFMH is a member of Opportunity Financial. Pursuant to the terms of the Amended and Restated Limited Liability Company Agreement of OFMH, the reporting person had the right to cause OFMH to exercise for the benefit of the reporting person OFMH's Exchange Rights with respect to the Common Units indirectly held by the reporting person.

**Signature:** /s/ Marv Gurevich, Esq., as attorney-in-fact for Christopher J. McKay  
**Date:** 2026-04-30

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**