WARRANT AGREEMENTWarrant Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
FG New America Acquisition Corp. Itasca, Illinois 60143Securities Subscription Agreement • August 26th, 2020 • FG New America Acquisition Corp. • Blank checks • New York
This agreement (the “Agreement”) is entered into as of July 9, 2020 by and between FG New America Investors LLC, a Delaware limited liability company (the “Subscriber” or “you”), and FG New America Acquisition Corp., a Delaware corporation (the “Company”, “we” or “us”). Pursuant to the terms hereof, the Company hereby accepts the offer the Subscriber has made to purchase 6,468,750 shares of Class B common stock, $0.0001 par value per share (the “Shares”), up to 843,750 of which are subject to forfeiture by you if the underwriters of the initial public offering (“IPO”) of units (“Units”) of the Company, do not fully exercise their over-allotment option (the “Over-allotment Option”). The Company and the Subscriber’s agreements regarding such Shares are as follows:
INDEMNITY AGREEMENTIndemnity Agreement • September 14th, 2020 • FG New America Acquisition Corp. • Blank checks • Delaware
This INDEMNITY AGREEMENT (this “Agreement”) is made as of [●], 2020, by and between FG New America Acquisition Corp., a Delaware corporation (the “Company”), and __________ (“Indemnitee”).
REGISTRATION RIGHTS AGREEMENTRegistration Rights Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”), dated as of September 29, 2020, is made and entered into by and among FG New America Acquisition Corp., a Delaware corporation (the “Company”), FG New America Investors LLC, a Delaware limited liability company (the “Sponsor”), Piper Sandler & Co. and ThinkEquity, a division of Fordham Financial Management, Inc., as representatives of the underwriters (the “Underwriters”) and the undersigned parties listed on the signature page hereto under “Holders” (each such party, together with the Sponsor, the Underwriters and any person or entity who hereafter becomes a party to this Agreement pursuant to Section 5.2 of this Agreement, a “Holder” and collectively the “Holders”).
FG New America Acquisition Corp. Itasca, Illinois 60143Underwriting Agreement • September 14th, 2020 • FG New America Acquisition Corp. • Blank checks
This letter (this “Letter Agreement”) is being delivered to you in accordance with the Underwriting Agreement (the “Underwriting Agreement”) entered into by and between FG New America Acquisition Corp., a Delaware corporation (the “Company”), and Piper Sandler & Co. and ThinkEquity, a division of Fordham Financial Management, Inc., as representatives (the “Representatives”) of the several underwriters (each, an “Underwriter” and collectively, the “Underwriters”), relating to an underwritten initial public offering (the “Public Offering”), of up to 25,875,000 of the Company’s units (including up to 3,375,000 units that may be purchased to cover over-allotments, if any) (the “Units”), each comprised of one share of the Company’s Class A common stock, par value $0.0001 per share (the “Class A Common Stock”), and one-half of one redeemable warrant. Each whole warrant (each, a “Warrant”) entitles the holder thereof to purchase one share of Class A Common Stock at a price of $11.50 per share
UNDERWRITING AGREEMENT between FG NEW AMERICA ACQUISITION CORP. and THINKEQUITY, A DIVISION OF FORDHAM FINANCIAL MANAGEMENT, INC.Underwriting Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
The undersigned, FG New America Acquisition Corp., a Delaware corporation (the “Company”), hereby confirms its agreement with ThinkEquity, a division of Fordham Financial Management, Inc. (“ThinkEquity”) and Piper Sandler & Co. (“Piper” and together with ThinkEquity, the “Representatives”) and with the other underwriters named on Schedule A hereto (if any), for which the Representatives are acting as representatives (the Representatives and such other underwriters being collectively referred to herein as the “Underwriters” or, each underwriter individually, an “Underwriter”) as follows:
INVESTMENT MANAGEMENT TRUST AGREEMENTInvestment Management Trust Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
This Investment Management Trust Agreement (this “Agreement”) is made effective as of September 29, 2020 by and between FG New America Acquisition Corp., a Delaware corporation (the “Company”), and Continental Stock Transfer & Trust Company, a New York corporation, a New York corporation (the “Trustee”).
OPPFI INC. STOCK OPTION AGREEMENT (For U.S. Participants)Stock Option Agreement • July 26th, 2021 • OppFi Inc. • Finance services • Delaware
OppFi Inc. (the “Company”) has granted to the Participant named in the Notice of Grant of Stock Option (the “Grant Notice”) to which this Stock Option Agreement (the “Option Agreement”) is attached an option (the “Option”) to purchase certain shares of Stock upon the terms and conditions set forth in the Grant Notice and this Option Agreement. The Option has been granted pursuant to and shall in all respects be subject to the terms and conditions of the OppFi Inc. 2021 Equity Incentive Plan (the “Plan”), as amended to the Date of Grant, the provisions of which are incorporated herein by reference. By signing the Grant Notice, the Participant: (a) acknowledges receipt of, and represents that the Participant has read and is familiar with, the Grant Notice, this Option Agreement, the Plan and a prospectus for the Plan prepared in connection with the registration with the Securities and Exchange Commission of shares issuable pursuant to the Option (the “Plan Prospectus”), (b) accepts the O
OPPFI INC. RESTRICTED STOCK UNITS AGREEMENT (For U.S. Participants)Restricted Stock Units Agreement • September 28th, 2021 • OppFi Inc. • Finance services • Delaware
OppFi Inc. has granted to the Participant named in the Notice of Grant of Restricted Stock Units (the “Grant Notice”) to which this Restricted Stock Units Agreement (the “Agreement”) is attached an Award consisting of Restricted Stock Units (each a “Unit”) subject to the terms and conditions set forth in the Grant Notice and this Agreement. The Award has been granted pursuant to and shall in all respects be subject to the terms and conditions of the OppFi Inc. 2021 Equity Incentive Plan (the “Plan”), as amended to the Date of Grant, the provisions of which are incorporated herein by reference. By signing the Grant Notice, the Participant: (a) acknowledges receipt of and represents that the Participant has read and is familiar with the Grant Notice, this Agreement, the Plan and a prospectus for the Plan prepared in connection with the registration with the Securities and Exchange Commission of the shares issuable pursuant to the Award (the “Plan Prospectus”), (b) accepts the Award subje
OPPFI INC. INDEMNIFICATION AGREEMENTIndemnification Agreement • July 26th, 2021 • OppFi Inc. • Finance services • Delaware
This Indemnification Agreement, dated July 20, 2021, is made between OppFi Inc., a Delaware corporation (the “Company”), and [______________] (the “Indemnitee”).
PRIVATE PLACEMENT UNITS PURCHASE AGREEMENTPrivate Placement Units Purchase Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
This PRIVATE PLACEMENT UNITS PURCHASE AGREEMENT (this “Agreement”) is made as of the 29th day of September, 2020, by and between FG New America Acquisition Corp., a Delaware corporation (the “Company”), having its principal place of business at 105. S. Maple Street, Itasca, Illinois 60143, and FG New America Investors LLC, a Delaware limited liability company (the “Subscriber”), having its principal place of business at 105. S. Maple Street, Itasca, Illinois 60143.
FG New America Acquisition Corp.Underwriting Agreement • September 28th, 2020 • FG New America Acquisition Corp. • Blank checks
This letter (this “Letter Agreement”) is being delivered to you in accordance with the Underwriting Agreement (the “Underwriting Agreement”) entered into by and between FG New America Acquisition Corp., a Delaware corporation (the “Company”), and Piper Sandler & Co. and ThinkEquity, a division of Fordham Financial Management, Inc., as representatives (the “Representatives”) of the several underwriters (each, an “Underwriter” and collectively, the “Underwriters”), relating to an underwritten initial public offering (the “Public Offering”), of up to 25,875,000 of the Company’s units (including up to 3,375,000 units that may be purchased to cover over-allotments, if any) (the “Units”), each comprised of one share of the Company’s Class A common stock, par value $0.0001 per share (the “Class A Common Stock”), and one-half of one redeemable warrant. Each whole warrant (each, a “Warrant”) entitles the holder thereof to purchase one share of Class A Common Stock at a price of $11.50 per share
AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • May 9th, 2024 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of March 19, 2024 (the “Closing Date”) to that certain Revolving Credit Agreement, dated as of December 14, 2022, (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE IX, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”) and as a Seller (as defined the Amended Credit Agreement), OppWin, LLC (“OppWin”), as a Seller, UMB Bank, N.A., as Administrative Agent (in such capacity, the “Administrative Agent”) and as Collateral Agent (in such capacity, the “Collateral Agent” and together with the Administrative Agent, the “Agents”), Randolph Receivables LLC, as Castlelake Representative and as a Lender, and the other Lenders party thereto from tim
15 EXERCISE PRICE WARRANTS PURCHASE AGREEMENTWarrants Purchase Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
THIS $15 EXERCISE PRICE WARRANTS PURCHASE AGREEMENT, dated as of September 29, 2020 (as it may from time to time be amended and including all exhibits referenced herein, this “Agreement”), is entered into by and among FG New America Acquisition Corp., a Delaware corporation (the “Company”), and FG New America Investors LLC, a Delaware limited liability company (the “Purchaser”).
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. TWELFTH AMENDMENT TO LOAN...Loan Agreement • November 8th, 2024 • OppFi Inc. • Finance services • New York
THIS SENIOR SECURED MULTI-DRAW TERM LOAN AGREEMENT, dated as of November 9, 2018 (this “Agreement”), is by and among OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company (“Company”), each other Person listed on the signature pages hereto as a borrower and each Person joined hereto as a borrower from time to time (together with the Company collectively, jointly and severally, “Borrower”), the GUARANTORS from time to time party hereto and party to any Guaranty, the LENDERS from time to time party hereto (individually, a “Lender” and collectively, the “Lenders”), and MIDTOWN MADISON MANAGEMENT LLC, a Delaware limited liability company, as administrative agent for the Lenders (in such capacity, the “Administrative Agent”).
FOUNDER WARRANTS PURCHASE AGREEMENTFounder Warrants Purchase Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
THIS FOUNDER WARRANTS PURCHASE AGREEMENT, dated as of September 29, 2020 (as it may from time to time be amended and including all exhibits referenced herein, this “Agreement”), is entered into by and among FG New America Acquisition Corp., a Delaware corporation (the “Company”), and FG New America Investors LLC, a Delaware limited liability company (the “Purchaser”).
FG New America Acquisition Corp.Underwriting Agreement • October 2nd, 2020 • FG New America Acquisition Corp. • Blank checks • New York
This letter (this “Letter Agreement”) is being delivered to you in accordance with the Underwriting Agreement (the “Underwriting Agreement”) entered into by and between FG New America Acquisition Corp., a Delaware corporation (the “Company”), and Piper Sandler & Co. and ThinkEquity, a division of Fordham Financial Management, Inc., as representatives (the “Representatives”) of the several underwriters (each, an “Underwriter” and collectively, the “Underwriters”), relating to an underwritten initial public offering (the “Public Offering”), of up to 25,875,000 of the Company’s units (including up to 3,375,000 units that may be purchased to cover over-allotments, if any) (the “Units”), each comprised of one share of the Company’s Class A common stock, par value $0.0001 per share (the “Class A Common Stock”), and one-half of one redeemable warrant. Each whole warrant (each, a “Warrant”) entitles the holder thereof to purchase one share of Class A Common Stock at a price of $11.50 per share
AMENDMENT NO. 1 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT AND OTHER CREDIT DOCUMENTSRevolving Credit Agreement • July 26th, 2021 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 1 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT AND OTHER CREDIT DOCUMENTS (this “Amendment”), dated as of June 5, 2020 (the “Effective Date”) to that certain Amended and Restated Revolving Credit Agreement, dated as of January 31, 2020 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE III, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a guarantor (in such capacity, a “Guarantor”) and as a Seller (in such capacity, a “Seller”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a “Seller”) and as a guarantor (in such capacity, a “Guarantor”), OppFi Management Holdings, LLC as a guarantor (in such capacity, a “Guarantor”; the Borrower, the Company, the Servicer, the Originator,
TAX RECEIVABLE AGREEMENT AMONG FG NEW AMERICA ACQUISITION CORP. OPPORTUNITY FINANCIAL, LLC AND THE PERSONS NAMED HEREIN DATED AS OF JULY 20, 2021Tax Receivable Agreement • July 26th, 2021 • OppFi Inc. • Finance services • Delaware
This TAX RECEIVABLE AGREEMENT (this “TRA Agreement”), is dated as of July 20, 2021, by and among FG New America Acquisition Corp., a Delaware corporation, (the “Corporate Taxpayer”), Opportunity Financial, LLC, a Delaware limited liability company (“OpCo”), and each of the members of OpCo listed on Schedule 1 hereto (each such member, a “TRA Party” and together the “TRA Parties”), Todd Schwartz, in his capacity as the TRA Party Representative, and each of the other Persons from time to time that become a party to this TRA Agreement. Capitalized terms used but not defined herein shall have their respective meanings set forth in the Business Combination Agreement (as defined below).
INVESTOR RIGHTS AGREEMENTInvestor Rights Agreement • July 21st, 2021 • OppFi Inc. • Finance services • Delaware
THIS INVESTOR RIGHTS AGREEMENT (as it may be amended, supplemented or restated from time to time in accordance with the terms of this Investor Rights Agreement, the “Investor Rights Agreement”), dated as of July 20, 2021 (the “Effective Date”), is made by and among (i) OppFi, Inc. (formerly FG New America Acquisition Corp.), a Delaware corporation (“PubCo” or the “Company”); (ii) each of the member signatories party hereto (each, a “Member” and collectively, the “Members”); (iii) Todd Schwartz in his capacity as the Members’ Representative hereunder (the “Members’ Representative”); (iv) FG New America Investors LLC, a Delaware limited liability company (the “Sponsor”); (v) Larry G. Swets, Jr., D. Kyle Cerminara, Hassan R. Baqar, Joseph Moglia, Nicholas Spencer Rudd, Robert Christopher Weeks (together with the Sponsor, the “Founder Holders” and each, a “Founder Holder”) and (vi) Piper Sandler & Co. and ThinkEquity, a division of Fordham Financial Management, Inc. (collectively, the “Und
AMENDMENT NO. 8 TO REVOLVING CREDIT AGREEMENT and AMENDEMENT NO. 2 TO FEE LETTERRevolving Credit Agreement • July 26th, 2021 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 8 TO REVOLVING CREDIT AGREEMENT AND AMENDMENT NO. 2 TO FEE LETTER (this “Amendment”), dated as of December 16, 2020 (the “Effective Date”) to (i) that certain Revolving Credit Agreement, dated as of April 15, 2019 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE VI, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a Guarantor (as defined in the Amended Credit Agreement) and as a Seller (as defined the Amended Credit Agreement), OppWin, LLC (“OppWin”), as a Seller and as a Guarantor, OppFi Management Holdings, LLC (“OppFi Management”), as a Guarantor, Opportunity Financial Card Company (“OppFi Card”), as a Guarantor, Ares Agent Services, L.P., as Administrative Agent (in such capacity, the
AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • July 26th, 2021 • OppFi Inc. • Finance services • Illinois
THIS AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of December 20, 2019 (the “Effective Date”) to that certain Revolving Credit Agreement, dated as of August 19, 2019 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE IV, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”) and as a Seller (in such capacity, a “Seller”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a “Seller”; the Borrower, the Company, the Servicer, the Originator and each Seller, collectively, the “Credit Parties”), BMO Harris Bank N.A., as Administrative Agent (in such capacity, the “Administrative Agent”), and as Collateral Agent (in such capacity, the “Collateral Agent” and together with the Administrative
FG New America Acquisition Corp. 105 S. Maple Street Itasca, IL 60143Business Combination Agreement • July 15th, 2021 • FG New America Acquisition Corp. • Finance services
Reference is made to that certain Business Combination Agreement, dated as of February 9, 2021, by and among (i) FG New America Acquisition Corp. (the “Buyer”), (ii) Opportunity Financial, LLC (the “Company”), (iii) OppFi Shares, LLC (“OFS”), and (iv) Todd Schwartz (the “Members’ Representative”) (as may be amended, restated, modified or supplemented from time to time, the “BCA”). Capitalized terms used but not defined herein shall have the meanings ascribed to them in the BCA.
CAPITAL COMMUNITY BANK and OPPORTUNITY FINANCIAL, LLC MARKETING AND PROGRAM MANAGEMENT AGREEMENT Dated as of April 17, 2020Marketing and Program Management Agreement • July 26th, 2021 • OppFi Inc. • Finance services • Utah
This MARKETING AND PROGRAM MANAGEMENT AGREEMENT (this “Agreement”), dated as of April 17, 2020 (“Effective Date”), is made by and between CAPITAL COMMUNITY BANK, a Utah-chartered state bank having its principal location in Provo, Utah (“Bank”), and OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company having its principal location in Chicago, Illinois (“Company”).
AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT AND OTHER CREDIT DOCUMENTSRevolving Credit Agreement • July 26th, 2021 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT AND OTHER CREDIT DOCUMENTS (this “Amendment”), dated as of May 11, 2020 (the “Effective Date”) 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 “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE V, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a guarantor (in such capacity, a “Guarantor”) and as a Seller (in such capacity, a “Seller”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a “Seller”) and as a guarantor (in such capacity, a “Guarantor”), OppFi Management Holdings, LLC as a guarantor (in such capacity, a “Guarantor”; the Borrower, the Company, the Servicer, the Originator, each Guarantor and each Seller, collectively,
FG NEW AMERICA ACQUISITION CORP. Itasca, Illinois 60143Administrative Services Agreement • September 14th, 2020 • FG New America Acquisition Corp. • Blank checks • New York
This letter agreement (this “Agreement”) by and among FG New America Acquisition Corp. (the “Company”) and FG New America Investors LLC (the “Sponsor”), dated as of the date hereof, will confirm our agreement that, commencing on the date the securities of the Company are first listed on the New York Stock Exchange (the “Listing Date”), pursuant to a Registration Statement on Form S-1 and prospectus filed with the U.S. Securities and Exchange Commission (the “Registration Statement”) and continuing until the earlier of the consummation by the Company of an initial business combination or the Company’s liquidation (in each case as described in the Registration Statement) (such earlier date hereinafter referred to as the “Termination Date”):
AMENDMENT NO. 4 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • August 8th, 2024 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 4 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of June 12, 2024 (the “Effective Date”) to that certain Amended and Restated Revolving Credit Agreement, dated as of July 19, 2023 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE V, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a Guarantor (as defined in the Amended Credit Agreement) and as a Seller (as defined the Amended Credit Agreement), OppWin, LLC (“OppWin”), as a Seller and as a Guarantor, the other Guarantors from time to time party thereto, Midtown Madison Management LLC, as Administrative Agent (in such capacity, the “Administrative Agent”) and as Collateral Agent (in such capacity, the “Collat
AMENDMENT NO. 2 TO REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • August 8th, 2024 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 2 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of April 24, 2024 (the “Closing Date”) to that certain Revolving Credit Agreement, dated as of December 14, 2022, (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE IX, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”) and as a Seller (as defined the Amended Credit Agreement), OppWin, LLC (“OppWin”), as a Seller, UMB Bank, N.A., as Administrative Agent (in such capacity, the “Administrative Agent”) and as Collateral Agent (in such capacity, the “Collateral Agent” and together with the Administrative Agent, the “Agents”), Randolph Receivables LLC, as Castlelake Representative and as a Lender, and the other Lenders party thereto from tim
FOURTH AMENDMENT TO SENIOR SECURED MULTI-DRAW TERM LOAN AGREEMENTSenior Secured Multi-Draw Term Loan Agreement • July 26th, 2021 • OppFi Inc. • Finance services • New York
THIS FOURTH AMENDMENT TO SENIOR SECURED MULTI-DRAW TERM LOAN AGREEMENT (this “Agreement”) is made and entered into as of August 13, 2020 (the “Effective Date”), by and among OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company (the “Borrower”), the Lenders party hereto, and MIDTOWN MADISON MANAGEMENT LLC, a Delaware limited liability company (the “Administrative Agent”).
AMENDMENT NO. 3 TO REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • July 26th, 2021 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 3 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of February 14, 2020 (the “Effective Date”) 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 “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE V, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a guarantor (in such capacity, a “Guarantor”) and as a Seller (in such capacity, a “Seller”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a “Seller”) and as a guarantor (in such capacity, a “Guarantor”), OppFi Management Holdings, LLC as a guarantor (in such capacity, a “Guarantor”; the Borrower, the Company, the Servicer, the Originator each Guarantor and each Seller, collectively, the “Credit Parties”),
SECURITIES PURCHASE AGREEMENT BY AND AMONG OPPORTUNITY FINANCIAL, LLC, OPPORTUNITY FINANCIAL SMB, LLC, BLAZE CAPITAL FUNDING 5, LLC, AND THE SELLER PRINCIPALS DATED JULY 31, 2024Securities Purchase Agreement • August 1st, 2024 • OppFi Inc. • Finance services • Delaware
This SECURITIES PURCHASE AGREEMENT (this “Agreement”) is entered into on July 31, 2024 by and among Opportunity Financial, LLC, a Delaware limited liability company (“Parent”), Opportunity Financial SMB, LLC, a Delaware limited liability company (“Buyer”), Blaze Capital Funding 5, LLC, a Wyoming limited liability company (“Seller”), and each of Craig Hecker, Darius Brawn, Fundzio Investment, Inc., a Florida corporation, Kennebec Management LLC, a Florida limited liability company, Craig Hecker Revocable Trust, a revocable trust established under the laws of Florida, White Oak Shade Capital, LLC, a Wyoming limited liability company, BACP, LLC, a Wyoming limited liability company (collectively, the “Seller Principals” and together with Seller, the “Seller Parties”). Buyer and the Seller Parties are referred to collectively herein as the “Parties” and individually as a “Party.” Capitalized terms used and not otherwise defined herein shall the meanings ascribed to them in Article 8.
AMENDMENT NO. 6 TO REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • October 5th, 2021 • OppFi Inc. • Finance services • Illinois
THIS AMENDMENT NO. 6 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of September 30, 2021 (the “Sixth Amendment Effective Date”) is entered into among the Credit Parties, the Guarantors, the Agents and the Lenders (each as defined below) to amend that certain Revolving Credit Agreement, dated as of August 19, 2019 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as further amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE IV, LLC (“OF IV Borrower”) and SalaryTap Funding SPE, LLC (“STF Borrower”), as Borrowers, Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a Seller (in such capacity, a “Seller”) and as a guarantor (in such capacity, a “Guarantor”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a “Seller”) and as a guarantor (in such capacity, a “Guarantor”)
AMENDMENT NO. 3 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • August 8th, 2024 • OppFi Inc. • Finance services • New York
THIS AMENDMENT NO. 3 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of April 16, 2024 (the “Effective Date”) to that certain Amended and Restated Revolving Credit Agreement, dated as of July 19, 2023 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE V, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a Guarantor (as defined in the Amended Credit Agreement) and as a Seller (as defined the Amended Credit Agreement), OppWin, LLC (“OppWin”), as a Seller and as a Guarantor, the other Guarantors from time to time party thereto, Midtown Madison Management LLC, as Administrative Agent (in such capacity, the “Administrative Agent”) and as Collateral Agent (in such capacity, the “Colla
LOAN PROGRAM AGREEMENTLoan Program Agreement • July 26th, 2021 • OppFi Inc. • Finance services • Utah
THIS LOAN PROGRAM AGREEMENT (the “Program Agreement”) is made and entered into as of this 31st day of October, 2017 (“Effective Date”), by and between FinWise Bank, an FDIC insured Utah state-chartered bank with its principal office at 820 East 9400 South, Sandy, Utah 84094 (hereinafter referred to as “Bank”) and OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company, with its principal office at 130 East Randolph Street, Suite 3400, Chicago, Illinois, 60601 (hereinafter referred to as “Service Agent”).
AMENDMENT NO. 5 TO REVOLVING CREDIT AGREEMENTRevolving Credit Agreement • August 10th, 2021 • OppFi Inc. • Finance services • Illinois
THIS AMENDMENT NO. 5 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of August 6, 2021 (the “Fifth Amendment Effective Date”) is entered into among the Credit Parties, the Guarantors, the Agents and the Lenders (each as defined below) to amend that certain Revolving Credit Agreement, dated as of August 19, 2019 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as further amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE IV, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”), as a Seller (in such capacity, a “Seller”) and as a guarantor (in such capacity, a “Guarantor”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a “Seller”; the Borrower, the Company, the Servicer, the Originator and each Seller, collectively, the “Credit Parties”) and as a gu
