SPFXStandard Premium Finance Holdings, Inc.

About Standard Premium Finance Holdings, Inc. (SPFX)

Standard Premium Finance Holdings, Inc. (SPFX) is a Credit Services company headquartered in Miami, FL, United States whose shares trade over-the-counter on the OTCQX tier.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) is an industry-specific holding company pursuing merger and acquisition opportunities of synergistic businesses to take advantage of the economies of scale within the specialty finance sector. Currently, SPFX companies have provided financing solutions approximating $1.5 billion to businesses and individuals to secure coverage for their property and casualty insurance policies. SPFX companies currently operate in more than thirty states throughout the United States. SPFX continuously seeks advantages of roll-up opportunities in a historically consolidating industry while providing maximum value for its shareholders.

Products and services

We are a specialty finance company that makes collateralized loans to businesses and individuals to finance the insurance premiums they pay on their commercial property and casualty insurance policies. We have developed relationships with insurance agents and brokers located in our market area who offer premium loans as a service to their customers which we underwrite. We evaluate each premium loan application according to our loan underwriting criteria. Upon our approval of a premium loan the borrower makes a down payment, generally 20% to 25% of the annual premium on the financed insurance policy, and we provide the balance of the annual premium required to purchase the policy. The borrower pays us a fixed monthly amount over the next nine to ten months. In the event the borrower defaults in its loan payment obligation we are contractually authorized to terminate the insurance policy and receive the amount of the unearned premium paid on the insurance policy. The unearned premium on the insurance policy represents the portion of the insurance premium subject to return if the policy is cancelled before the full term of the policy is completed. The unearned premiums serve as the collateral for our premium loans and are designed to fully pay off the balance of the premium loan in the event of a default. We have the contractual right to cancel the insurance policy and receive the amount of the unearned premium if the borrower defaults on repayment of any loan payment to us.

SPFX key facts

Ticker symbol

SPFX

Market tier

OTCQX

Sector

Financial Services

Industry

Credit Services

Headquarters

Miami, FL, United States

Country of incorporation

US

Year of incorporation

2016

Employees

28

Estimated market cap

$5.10M (as of Apr 11, 2025)

Shares outstanding

3,001,216

Reporting standard

U.S. Reporting: SEC Reporting

Audit status

Audited

Fiscal year end

12/31

Latest filing

8K Report (Mar 31, 2025)

Standard Premium Finance Holdings, Inc. leadership

• William John Koppelmann — CEO
• Brian Patrick Krogol — CFO
• Margaret Ruiz — Secretary
• Victor Galliano — VP, Mkt.
• Robert Mattucci — VP, Sales
• Wanda Lajara — Other

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