Cryo-Cell International Enters Material Definitive Agreement

TL;DR

CRYO-CELL INTERNATIONAL just signed a big deal, creating a new financial obligation. Details in the 8-K.

AI Summary

On October 18, 2025, CRYO-CELL INTERNATIONAL, INC. entered into a material definitive agreement. This agreement also created a direct financial obligation for the registrant. The filing includes financial statements and exhibits related to this event.

Why It Matters

This filing indicates a significant new financial commitment or contract for Cryo-Cell International, which could impact its future financial performance and operations.

Risk Assessment

Risk Level: medium — Entering into material definitive agreements and creating financial obligations can introduce new risks related to performance, financing, and market conditions.

Key Players & Entities

• CRYO-CELL INTERNATIONAL, INC. (company) — Registrant
• October 18, 2025 (date) — Date of earliest event reported
• Delaware (jurisdiction) — State of Incorporation
• 001-40767 (commission_file_number) — SEC File Number
• 22-3023093 (ein) — IRS Employer Identification No.
• 700 Brooker Creek Blvd. Suite 1800 (address) — Principal Executive Offices
• Oldsmar, Florida 34677 (location) — Principal Executive Offices Location
• 813 749 (phone_number) — Registrant's Telephone Number

FAQ

Key Financial Figures

• $0.01 — nge on which registered Common Stock, $0.01 par value CCEL NYSE American LLC
• $10,000,000 — an aggregate principal amount of up to $10,000,000 (the "RCF"); and (ii) a term loan facil
• $8,960,000 — lity in an original principal amount of $8,960,000 (the "Term Loan" and together with the
• $8,000,000 — ised the revolving credit commitment to $8,000,000. Applicable Margin . The Amendment re

Filing Documents

• ccel-20251018.htm (8-K) — 57KB
• 0001193125-25-248883.txt ( ) — 161KB
• ccel-20251018.xsd (EX-101.SCH) — 24KB
• ccel-20251018_htm.xml (XML) — 5KB

01 Entry into a Material Definitive Agreement

Item 1.01 Entry into a Material Definitive Agreement. As previously disclosed, on July 18, 2022, Cryo-Cell International, Inc. (the "Company") entered into a Credit Agreement ("Credit Agreement") with Susser Bank, a Texas state bank ("Susser"), as administrative agent on behalf of itself and the other lenders (collectively, the "Lenders") for (i) an unsecured revolving line of credit in an aggregate principal amount of up to $10,000,000 (the "RCF"); and (ii) a term loan facility in an original principal amount of $8,960,000 (the "Term Loan" and together with the RCF collectively, the "Loans"). In connection with the RCF, the Company entered into a Revolving Credit Line, in favor of Susser, in the stated principal amount of $10,000,000 (the "RCF Note"), and in connection with the Term Loan the Company entered into a Term Note, in favor of Susser, in the stated principal amount of $8,960,000 (the "Term Note" and together with RCF Note, collectively, the "Notes"). The Loans bear interest at the Company's option at: (a) the Base Rate, which is the highest of (i) the rate of interest published by The Wall Street Journal, from time to time, as the "U.S. Prime Rate", (ii) the federal funds rate plus 0.5% and (iii) the Monthly SOFR rate plus 1.0% (subject in each case to a floor of 5.5%), plus 4.25% or (b) the Monthly SOFR plus 3.25% (subject to a floor of 4.5%). The RCF matured on July 18, 2025, which was extended on July 15, 2025 by Susser to October 18, 2025, and the Term Note matures on July 18, 2032. Fifth Amendment to Credit Agreement . On October 18, 2025, the Company and Susser entered into a Fifth Amendment to the Credit Agreement (the "Amendment"). Addition of Guarantor. Pursuant to the terms of the Amendment, the Company's wholly owned subsidiary, Celle Corp., became a guarantor under the Credit Agreement and executed a Security Agreement for the benefit of the Lenders. Extension of Maturity Date. The Amendment also extended the RCF Note's Maturity Date t

01 Financial Statements And Exhibits

Item 9.01 Financial Statements And Exhibits. (d) Exhibits Exhibit No. Description 104 Cover page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

SIGNATURES

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Cryo-Cell International, Inc. Date: October 23, 2025 By: /s/ David Portnoy David Portnoy, Chairman and Co-CEO

View Full Filing

View this 8-K filing on SEC EDGAR