SEC Filing Document

Company: Synergy CHC Corp.
Ticker: SNYR
CIK: 1562733
Filing Type: 8-K
Document Type: EX-10.1
Date Filed: 2026-03-25
Accession Number: 0001213900-26-034072
Exchange: Nasdaq
SIC Code: 2833
SIC Description: Medicinal Chemicals & Botanical Products
URL: https://www.sec.gov/Archives/edgar/data/1562733/000121390026034072/ea028322301ex10-1.htm

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Exhibit

EXECUTION
VERSION

SECOND
AMENDMENT

TERM LOAN CREDIT AGREEMENT

This
SECOND AMENDMENT TO TERM LOAN CREDIT AGREEMENT,
dated as of March 24, 2026 (this “Second Amendment”), is entered into by
and among Synergy CHC Corp., a Nevada corporation (the “Borrower”), each
subsidiary of the Borrower listed as a “Guarantor” on the signature pages hereto (together with each other Person that executes
a joinder agreement and becomes a “Guarantor” thereunder, each, a “Guarantor”
and, collectively, the “Guarantors”), the Lenders (as defined below) party
hereto, ACP Agency, LLC (“ACP”), as administrative agent for the Lenders
(in such capacity, together with its successors and assigns in such capacity, the “Administrative Agent”),
and ACP, as collateral agent for the Lenders (in such capacity, together with its successors and assigns in such capacity, the “Collateral
Agent”, and, together with the Administrative Agent, each, an “Agent”
and, collectively, the “Agents”).

RECITALS

WHEREAS,
the Borrower, each Guarantor, the lenders from time to time party thereto (the “Lenders”) and the Agents are parties
to that certain Term Loan Credit Agreement, dated as of May 30, 2025, as amended by that certain First Amendment to Term Loan Credit
Agreement, dated as of June 24, 2025 (such agreement, as amended, restated, supplemented or otherwise modified from time to time, including
any replacement agreement therefor, the “Existing Credit Agreement”; as amended by this Second Amendment and as may
be further amended, restated, amended and restated, supplemented or modified from time to time, the “Credit Agreement”;
unless otherwise defined herein, capitalized terms used herein (including in the preamble hereto) that are not otherwise defined herein
shall have the respective meanings assigned to such terms in the Credit Agreement);

WHEREAS,
the Loan Parties have requested that the Agents and the Lenders agree to make certain amendments to the Existing Credit Agreement as
set forth herein, and the Agents and the Lenders are willing to agree to the foregoing, subject to the terms and conditions and to the
extent set forth herein.

NOW,
THEREFORE, in consideration of the foregoing premises, the promises and covenants contained herein and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows:

Section
1. AMENDMENTS TO EXISTING CREDIT AGREEMENT

Solely
upon satisfaction of the conditions set forth in Section 2 hereof, each of the parties hereto agrees that the Existing Credit Agreement
(excluding any Exhibits or Schedules) shall be amended to delete the stricken text (indicated textually in the same manner as the following
example: stricken text or stricken text)
and to add the double-underlined text (indicated textually in the same manner as the following example: double-underlined
text or double-underlined text ) as set forth in the pages
of the Existing Credit Agreement, as so amended and attached as Exhibit A hereto.

Section
2. CONDITIONS TO EFFECTIVENESS

This
Amendment is effective upon the satisfaction or waiver, as determined by the Agents, of all of the following conditions precedent (the
“Second Amendment Effective Date”):

A. Second
Amendment. Each Loan Party, the Agents and the Lenders shall have executed this Second Amendment and delivered such counterparts
to the Administrative Agent.

B. Lender
Warrant. The Borrower shall have issued that certain Common Stock Purchase Warrant to the Lender, in the form attached as Exhibit
B hereto.

C. Amended
and Restated Fee Letter. Each Loan Party and the Administrative Agent shall have executed that certain Amended and Restated Fee Letter
and delivered such counterparts to the Administrative Agent.

D. Officer’s
Certificate. The Agents shall have received a duly executed Officer’s Certificate which shall certify as to (i) the satisfaction
of the conditions set forth in Section 2 of this Second Amendment, (ii) a copy of the resolutions or written consents of the Loan Parties
authorizing (x) the transactions contemplated by this Second Amendment and the Loan Documents entered into in connection therewith, and
(y) the execution, delivery and performance of each Loan Party of this Second Amendment and any other Loan Documents to which such Loan
Party is or will be a party, (iii) copies of the Governing Documents and authorized signatories of each Loan Party (or, to the extent
applicable, no change to such Governing Documents and authorized signatories since the most recently delivered Officer’s Certificate
setting forth such information) and (iv) copies of certificates of the appropriate official(s) of the jurisdiction of organization of
each Loan Party certifying as to the subsistence in good standing of, and if applicable, the payment of taxes by, such Loan Party in
such jurisdictions.

E. Resolutions.
The Agents shall have received copies of resolutions of each Loan Party’s board of directors (or similar governing body) authorizing
the execution, delivery and performance of this Second Amendment and the related Loan Documents to be entered into in connection with
this Second Amendment (such documents, together with this Second Amendment, the “Second Amendment Documents”) and
the consummation of the transactions contemplated hereby and thereby.

F. Costs,
Fees and Expenses. In connection with the transactions contemplated by this Second Amendment, the Borrower shall have reimbursed
the Agents for all reasonable out-of-pocket costs, fees and expenses (including reasonable attorneys’ fees of counsel for the
Agents) and shall have paid a portion of the KTBS Installment Fee (as defined in the Credit Agreement ) to KTBS Law LLP in the amount

Section
3. REPRESENTATIONS AND WARRANTIES

order to induce the Agents and the Lenders to enter into this Second Amendment and to modify the Existing Credit Agreement in the manner
provided herein, each Loan Party represents and warrants to the Agents and the Lenders that the following statements are true, correct
and complete:

A. Corporate
Power and Authority. Such Loan Party has all requisite corporate power and authority to enter into this Second Amendment and to carry
out the transactions contemplated by, and perform its obligations under, this Second Amendment and the Credit Agreement.

B. Authorization
of Agreements. The execution and delivery of this Second Amendment and the performance of this Second Amendment and the Credit Agreement
have been duly authorized by all necessary corporate action on the part of such Loan Party.

Conflict. The execution and delivery by such Loan Party of this Second Amendment and the performance by such Loan Party of this Second
Amendment and of the Credit Agreement do not and will not (i) violate any provision of any law or any governmental rule or regulation
applicable to such Loan Party, its organizational documents or any order, judgment or decree of any court or other agency of government
binding on such Loan Party, (ii) conflict with, result in a breach of or constitute (with due notice or lapse of time or both) a default
under any material contract of such Loan Party, (iii) result in or require the creation or imposition of any Lien upon any of the properties
or assets of such Loan Party (other than Permitted Liens), or (iv) require any approval of stockholders or any approval or consent of
any Person under any material contract of such Loan Party, except for those that have been obtained.

D. Governmental
Consents. The execution and delivery by such Loan Party of this Second Amendment and the performance by such Loan Party of the Second
Amendment and the Credit Agreement do not and will not require any registration with, consent or approval of, or notice to, or other
action to, with or by, any federal, state or other governmental authority or regulatory body, except for those that have been obtained.

E. Binding
Obligation. This Second Amendment has been duly executed and delivered by such Loan Party and this Second Amendment and the Credit
Agreement are the legally valid and binding obligations of such Loan Party, enforceable against such Loan Party in accordance with their
respective terms, except as may be limited by bankruptcy, insolvency, reorganization, moratorium or similar laws relating to or limiting
creditors’ rights generally or by equitable principles relating to enforceability.

F. Incorporation
of Representations and Warranties from Credit Agreement. Immediately after giving effect to this Second Amendment on the Second Amendment
Effective Date and effective as of the Second Amendment Effective Date, the representations and warranties contained in Article VI of
the Credit Agreement and in each other Loan Document are true and correct in all material respects (except that such materiality qualifier
is not applicable to any representations or warranties that already are qualified or modified as to materiality or “Material Adverse
Effect” in the text thereof, which representations and warranties are true and correct in all respects subject to such qualification)
on and as of such date as though made on and as of such date, except to the extent that any such representation or warranty expressly
relates solely to an earlier date (in which case such representation or warranty are true and correct on and as of such earlier date).