Fluent, Inc. Enters New Agreement, Terminates Another

TL;DR

Fluent just signed a new deal and ditched an old one, creating new financial obligations.

AI Summary

On November 25, 2025, Fluent, Inc. entered into a material definitive agreement and simultaneously terminated another. The company also incurred a direct financial obligation or an obligation under an off-balance sheet arrangement. Specific details regarding the nature of these agreements and obligations are not fully disclosed in this filing.

Why It Matters

This filing indicates significant changes in Fluent, Inc.'s contractual relationships and financial obligations, which could impact its future operations and financial health.

Risk Assessment

Risk Level: medium — The filing indicates material changes in agreements and financial obligations, the specifics of which are not fully detailed, creating uncertainty.

Key Players & Entities

• Fluent, Inc. (company) — Registrant
• November 25, 2025 (date) — Date of earliest event reported
• Delaware (jurisdiction) — State of incorporation
• 77-0688094 (tax_id) — EIN

FAQ

Key Financial Figures

• $0.0005 — ge on which registered Common Stock , $0.0005 par value per share FLNT The Nasdaq
• $30 million — o a maximum aggregate advance amount of $30 million. The Financing Agreement has an initia
• $1.0 million — ompany paid an early termination fee of $1.0 million. Upon termination and payment in full o

Filing Documents

• flnt20251114c_8k.htm (8-K) — 30KB
• ex_894374.htm (EX-10.01) — 175KB
• 0001437749-25-036597.txt ( ) — 373KB
• flnt-20251125.xsd (EX-101.SCH) — 3KB
• flnt-20251125_def.xml (EX-101.DEF) — 11KB
• flnt-20251125_lab.xml (EX-101.LAB) — 15KB
• flnt-20251125_pre.xml (EX-101.PRE) — 11KB
• flnt20251114c_8k_htm.xml (XML) — 3KB

01. Entry into a Material Definitive Agreement

Item 1.01. Entry into a Material Definitive Agreement. On November 25, 2025, Fluent, Inc. (the "Company") and Fluent, LLC, a wholly owned subsidiary of the Company (together with the Company, the "Borrower"), entered into an Accounts Receivable Finance Agreement (the "Financing Agreement") with CSNK Working Capital Finance Corp. d/b/a Bay View Funding ("Bay View"). Under the Financing Agreement, Bay View may extend financing to the Company based on eligible domestic and foreign accounts receivable, subject to a maximum aggregate advance amount of $30 million. The Financing Agreement has an initial term of 36 months and renews automatically for additional 12-month periods unless terminated in accordance with its terms. The Company is required to pay a facility fee and finance charges based on a floating interest rate, as well as certain administrative fees. The Company's obligations under the Financing Agreement are secured by a security interest in substantially all of the Company's assets. The Financing Agreement contains customary representations, warranties, covenants and events of default, including repurchase obligations with respect to certain receivables. The foregoing description of the Financing Agreement is qualified in its entirety by reference to the full text of the Financing Agreement, which is filed as Exhibit 10.01 to this Current Report on Form 8-K.

02. Termination of a Material Definitive Agreement

Item 1.02. Termination of a Material Definitive Agreement On November 26, 2025, in connection with the entry into the Financing Agreement, the Company caused the repayment in full of all indebtedness, liabilities and other obligations under, and terminated, the Credit Agreement (as amended, the "SLR Credit Agreement") with certain of its subsidiaries and the Company (collectively, the "Credit Parties"), as guarantors, and Crystal Financial LLC d/b/a SLR Credit Solutions, as administrative agent, lead arranger and bookrunner ("SLR"), and each other lender from time to time party thereto. In accordance with the terms of the SLR Credit Agreement, the Company paid an early termination fee of $1.0 million. Upon termination and payment in full of all amounts due, all liens and security interests securing the SLR Credit Agreement were released. The description of the SLR Credit Agreement termination is qualified in its entirety by reference to the SLR Credit Agreement, which was previously filed by the Company with the Securities and Exchange Commission.

03 Creation of a Direct Financial Obligation or Obligation under an Off-Balance Sheet Arrangement

Item 2.03 Creation of a Direct Financial Obligation or Obligation under an Off-Balance Sheet Arrangement The information set forth in Item 1.01 of this Current Report on Form 8-K regarding the Financing Agreement is incorporated herein by reference. The Financing Agreement provides for advances of up to $30 million secured by substantially all of the Company's assets and requires the Company to repay all advances, fees and other obligations in accordance with the terms of the Financing Agreement.

01 Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits. Exhibit No. Description 10.01 Accounts Receivable Finance Agreement, dated November 25, 2025, by and between Fluent, LLC, Fluent, Inc. and CSNK Working Capital Finance Corp. d/b/a Bay View Funding. 104 Cover Page Interactive Data File (formatted as 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 hereinto duly authorized. Fluent, Inc. December 2, 2025 By: /s/ Donald Patrick Name: Donald Patrick Title: Chief Executive Officer

View Full Filing

View this 8-K filing on SEC EDGAR