SEC Contract Filing

Filing Date: 2021-07-26

Document Content:
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<TYPE>EX-10.19
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<FILENAME>d93222dex1019.htm
<DESCRIPTION>EX-10.19
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[***] 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. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.19 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>E<SMALL>XECUTION</SMALL> C<SMALL>OPY</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>AMENDMENT NO. 5 TO REVOLVING CREDIT AGREEMENT AND OTHER CREDIT DOCUMENTS </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>THIS AMENDMENT NO. 5 TO REVOLVING CREDIT AGREEMENT AND OTHER CREDIT DOCUMENTS </B>(this &#147;<U>Amendment</U>&#148;), dated as of June 5,
2020 (the &#147;<U>Effective Date</U>&#148;) 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 &#147;<U>Existing Credit Agreement</U>&#148;
and, as amended by this Amendment, the &#147;<U>Amended Credit Agreement</U>&#148;), among Opportunity Funding SPE VI, LLC (the &#147;<U>Borrower</U>&#148;), Opportunity Financial, LLC (the &#147;<U>Company</U>&#148;), as originator (in such
capacity, the &#147;<U>Originator</U>&#148;), as servicer (in such capacity, the &#147;<U>Servicer</U>&#148;), as a guarantor (in such capacity, a &#147;<U>Guarantor</U>&#148;) and as a Seller (in such capacity, a &#147;<U>Seller</U>&#148;), OppWin,
LLC (&#147;<U>OppWin</U>&#148;), as a Seller (in such capacity, a &#147;<U>Seller</U>&#148;) and as a guarantor (in such capacity, a &#147;<U>Guarantor</U>&#148;), OppFi Management Holdings, LLC as a guarantor (in such capacity, a
&#147;<U>Guarantor</U>&#148;; the Borrower, the Company, the Servicer, the Originator, each Guarantor and each Seller, collectively, the &#147;<U>Credit Parties</U>&#148;), Ares Agent Services, L.P., as Administrative Agent (in such capacity, the
&#147;<U>Administrative Agent</U>&#148;) and as Collateral Agent (in such capacity, the &#147;<U>Collateral Agent</U>&#148; and together with the Administrative Agent, the &#147;<U>Agents</U>&#148;), and the Lenders parties thereto from time to time
(the &#147;<U>Lenders</U>&#148; and each, individually, a &#147;<U>Lender</U>&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PRELIMINARY STATEMENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Credit Parties, the Administrative Agent and the Lenders entered into the Existing Credit Agreement whereby the Lenders agreed to
extend a revolving credit facility (the &#147;<U>Facility</U>&#148;) 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; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, the United States is facing a national emergency resulting from a global pandemic
caused by the novel coronavirus disease, commonly referred to as COVID-19 (&#147;<U>COVID-19</U>&#148;) which directly impacted the global and U.S. economy; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, the parties hereto desire to amend the Existing Credit Agreement on the terms and conditions set forth herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">NOW THEREFORE, in consideration of the premises and other good and valuable consideration, the parties hereto hereby agree as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>AGREEMENT</U> </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>1.</B><B></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B>Definitions. </B>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. </P></TD></TR></TABLE>
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<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>2.</B><B></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B>Amendments to Credit Agreement</B>. Effective as of the date of this Amendment, the Existing Credit