{"filing":{"accession_number":"0001818502-26-000080","cik":"0001818502","ticker":"OPFI-WT","company_name":"OppFi Inc.","form":"8-K","filing_date":"2026-09-21","report_date":"2026-09-15","primary_document":"opfi-20260915.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1818502/000181850226000080/opfi-20260915.htm"},"events":[{"id":33978,"run_id":31280,"accession_number":"0001818502-26-000080","anchor_item_number":"2.03","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"summary":"OppFi Inc., through its subsidiary Opportunity Funding SPE Residual, LLC, entered into a Senior Secured Multi-Draw Term Loan Agreement on August 10, 2026, and drew $75.0 million in principal on September 15, 2026, with an additional $25.0 million available through February 2027. The loan carries fixed interest rates (12.50% pre-acquisition, 13.50% post-acquisition), a four-year maturity, and semi-annual amortization.","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-09-21","form":"8-K","submitted_at":null,"items":[{"id":37584,"accession_number":"0001818502-26-000080","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"OppFi Inc. (through its subsidiary Opportunity Funding SPE Residual, LLC) entered into a Senior Secured Multi-Draw Term Loan Agreement on August 10, 2026, and drew $75.0 million in principal on September 15, 2026, with an additional $25.0 million available through February 2027. This is a creation of a direct financial obligation under Item 2.03, with fixed interest rates (12.50% pre-acquisition, 13.50% post-acquisition), a four-year maturity, and semi-annual amortization. The disclosure includes detailed terms, covenants, and security interests, all hallmarks of a material debt issuance.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-21T20:10:53.374355+00:00","company_name":"","ticker":null,"filing_date":""}]},{"id":33979,"run_id":31280,"accession_number":"0001818502-26-000080","anchor_item_number":"8.01","event_type":"ma_activity","event_domain":"operational","is_material":true,"confidence":0.95,"summary":"BNCC stockholders adopted and approved the Merger Agreement on September 17, 2026, whereby OppFi would acquire BNCC and its subsidiary BNC National Bank. The transaction remains subject to regulatory approvals and customary closing conditions.","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-09-21","form":"8-K","submitted_at":null,"items":[{"id":37585,"accession_number":"0001818502-26-000080","item_number":"8.01","item_title":"Other Events.","event_type":"ma_activity","event_domain":"operational","is_material":true,"confidence":0.95,"reasoning":"The disclosure reports that BNCC stockholders have adopted and approved the Merger Agreement on September 17, 2026, whereby OppFi would acquire BNCC and its subsidiary BNC National Bank. This is a material acquisition activity—specifically shareholder approval of a merger transaction—that would materially affect a reasonable investor's assessment of OppFi's strategic direction and financial position. The transaction remains subject to regulatory approvals and customary closing conditions.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-21T20:10:53.374355+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":37584,"accession_number":"0001818502-26-000080","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"OppFi Inc. (through its subsidiary Opportunity Funding SPE Residual, LLC) entered into a Senior Secured Multi-Draw Term Loan Agreement on August 10, 2026, and drew $75.0 million in principal on September 15, 2026, with an additional $25.0 million available through February 2027. This is a creation of a direct financial obligation under Item 2.03, with fixed interest rates (12.50% pre-acquisition, 13.50% post-acquisition), a four-year maturity, and semi-annual amortization. The disclosure includes detailed terms, covenants, and security interests, all hallmarks of a material debt issuance.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-21T20:10:53.374355+00:00","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-09-21"},{"id":37585,"accession_number":"0001818502-26-000080","item_number":"8.01","item_title":"Other Events.","event_type":"ma_activity","event_domain":"operational","is_material":true,"confidence":0.95,"reasoning":"The disclosure reports that BNCC stockholders have adopted and approved the Merger Agreement on September 17, 2026, whereby OppFi would acquire BNCC and its subsidiary BNC National Bank. This is a material acquisition activity—specifically shareholder approval of a merger transaction—that would materially affect a reasonable investor's assessment of OppFi's strategic direction and financial position. The transaction remains subject to regulatory approvals and customary closing conditions.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-21T20:10:53.374355+00:00","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-09-21"}]}