# EDGAR Filing Document

**Accession Number:** 0001807893
**File Stem:** 0001079973-25-001180
**Filing Date:** 2025-7
**Character Count:** 10331
**Document Hash:** b7417b492521d3e5d143a621d54768de
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001079973-25-001180.hdr.sgml**: 20250724

**ACCESSION NUMBER**: 0001079973-25-001180

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20250724

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250724

**DATE AS OF CHANGE**: 20250724

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** STANDARD PREMIUM FINANCE HOLDINGS, INC.
- **CENTRAL INDEX KEY:** 0001807893
- **STANDARD INDUSTRIAL CLASSIFICATION:** MISCELLANEOUS BUSINESS CREDIT INSTITUTION [6159]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 812624094
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-56243
- **FILM NUMBER:** 251147359

**BUSINESS ADDRESS:**
- **STREET 1:** 13590 SW 134TH AVE
- **STREET 2:** #214
- **CITY:** MIAMI
- **STATE:** FL
- **ZIP:** 33186
- **BUSINESS PHONE:** (305) 232-2752

**MAIL ADDRESS:**
- **STREET 1:** 13590 SW 134TH AVE
- **STREET 2:** #214
- **CITY:** MIAMI
- **STATE:** FL
- **ZIP:** 33186

?xml version='1.0' encoding='ASCII'?

**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 24, 2025**

**STANDARD PREMIUM FINANCE HOLDINGS, INC.**

*(Exact name of registrant as specified in its charter)*

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| | | |
|:---|:---|:---|
| **Florida** | **000-56243** | **81-2624094** |
| *(State or Other Jurisdiction* | *(Commission* | *(I.R.S. Employer* |
| *of Incorporation)* | *File Number)* | *Identification No.)* |

---

**13590 SW 134th Avenue, Suite 214, Miami, FL 33186**

*(Address of Principal Executive Office) (Zip Code)*

**305-232-2752**

*(Registrant's telephone number, including area code)*

 

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 Act: None

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |

---

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

Emerging growth company ☒

If an emerging growth company, indicate by checkmark 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. ☒

**<u>Item 2.02 Results of Operations and Financial Condition.</u>**

On July 24, 2025, Standard Premium Finance Holdings, Inc. (the "Company") issued a press release setting forth its preliminary financial results for the quarter ended June 30, 2025. A copy of the press release is attached hereto as Exhibit 99.1.

The information contained in this Item 2.02 and Exhibit 99.1, attached hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended and shall not be deemed incorporated by reference in any filing with the Securities and Exchange Commission under the Securities Exchange Act of 1934, as amended or the Securities Act of 1933, as amended whether made before or after the date hereof and irrespective of any general incorporation language in any filings.

**Forward Looking Statements**

The press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated earnings, future growth and outlook. You can identify forward-looking statements by the fact that they do not relate strictly to historical or current facts. These statements may include words such as "anticipate", "expect", "will", and other words and terms of similar meaning in connection with any discussion of the timing or nature of future operating or financial performance or other events. Forward-looking statements give our current expectations and projections relating to our financial condition; macroeconomic factors; plans; objectives; growth opportunities; assumptions; risks; future performance; business; and results of operations, including revenue, and net income. Neither we nor any other person assumes responsibility for the accuracy and completeness of any of these forward-looking statements. Standard undertakes no obligation to update or revise any forward-looking statement as a result of new information, future events or otherwise, except as otherwise required by law.

All forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially from those that we expected. More information about factors that could affect our results of operations and risks and uncertainties are provided in our public filings with the Securities and Exchange Commission, copies of which may be obtained by visiting our investor relations website at www.standardpremiuminvestors.com or the SEC's website at www.sec.gov.

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

**(d) Exhibits**

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 99.1 | [Press release dated July 24, 2025.](ex99x1.htm) |
| 104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) |

---

**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.

---

| | | |
|:---|:---|:---|
|  | **STANDARD PREMIUM FINANCE HOLDINGS, INC.** | **STANDARD PREMIUM FINANCE HOLDINGS, INC.** |
| Dated: July 24, 2025 | By: | /s/ William J. Koppelmann |
|  |  | William J. Koppelmann<br> Chairman and Chief Executive Officer |
|  |  | William J. Koppelmann<br> Chairman and Chief Executive Officer |

---

## Exhibit 99.1

Exhibit 99.1

**Standard Premium Delivers Strong Q2 Performance Highlighting Enhanced Efficiency and Company Growth**

**MIAMI, Fla. – July 24, 2025** – Standard Premium Finance Holdings, Inc. ("Standard Premium") (OTCQX: SPFX), a leading specialty finance company, announces strong preliminary financial and operational results for the second quarter and first half of 2025, highlighting growth in the Company's loan portfolio, stable originations, improved funding costs and continued return-on-equity growth.

As of June 30, 2025, the Company's loan portfolio exceeded $70 million, representing a 9.7% increase since December 2024. For Q2, Standard Premium reported $3.1 million in revenue, income before taxes of $345,000 and return-on-equity of 15%. Basic and diluted earnings per share were $0.08 and $0.06, respectively.

"Our performance reflects a strong focus on long-term value creation and capital-efficient growth," says William Koppelmann, CEO, Standard Premium. "As we continue to expand our national footprint and build on our operating strengths, we look ahead to the second half of the year as an opportunity to deepen our market presence, strengthen our customer relations and drive sustained performance for our shareholders."

Year-to-date (YTD), the Company has generated $6 million in revenue and $783,500 in income before taxes. Basic earnings per share for the first half of 2025 reached $0.18, with diluted EPS of $0.14. YTD return on equity climbed to 18%, supported by stable originations, disciplined cost control and improved funding efficiency.

"We remain focused on sustainable, margin-conscious growth," adds Brian Krogol, CFO, Standard Premium. "Improved cost of funds and careful expense management have positioned us to continue delivering value across market cycles."

**About Standard Premium Finance Holdings, Inc.** 

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/

**Cautionary Statement Regarding Forward-Looking Statements**

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated earnings, future growth and outlook. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025, which is available on the SEC's website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

**Media:** <br> Nicholas Turchiano<br> CPR Marketing<br> nturchiano@cpronline.com<br> 201-641-1911x35