SPFX Sets Nov. 7 Annual Meeting to Elect Directors, Ratify Auditor

TL;DR

**SPFX is holding a routine annual meeting to re-elect three long-serving directors and ratify their auditor, signaling business as usual with no major shake-ups.**

AI Summary

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) is holding its 2025 Annual Meeting of Stockholders on November 7, 2025, to elect three directors to serve until the 2028 annual meeting and ratify its independent registered public accounting firm for 2025. The company's Board of Directors has fixed September 8, 2025, as the record date for voting, with 3,001,216 shares of Common Stock and 166,000 shares of Series A Convertible Preferred Stock outstanding, totaling 3,167,216 shares. A quorum requires 35% of these shares to be present. The three director nominees for election are John C. Leavitt, Christopher Perrucci, Esq., and Carl C. Hoechner, all current directors since 2017. The company is leveraging SEC rules to provide proxy materials online, aiming to reduce costs and environmental impact. William J. Koppelmann, Chairman and CEO, emphasized the importance of stockholder participation in voting.

Why It Matters

This DEF 14A filing outlines the governance structure and upcoming decisions for STANDARD PREMIUM FINANCE HOLDINGS, INC., directly impacting investor confidence and strategic direction. The election of three directors, including long-standing members like John C. Leavitt and Christopher Perrucci, will shape the company's oversight and future initiatives. For employees, stable governance can lead to clearer strategic priorities, while customers benefit from a well-managed company. In a competitive financial services landscape, strong board leadership is crucial for navigating market challenges and driving growth, especially with key figures like William Koppelmann at the helm.

Risk Assessment

Risk Level: low — The filing primarily concerns routine annual meeting matters: director elections and auditor ratification. There are no indications of contentious proposals, significant financial distress, or material changes in company operations. The quorum requirement of 35% of 3,167,216 shares is standard, and the board recommends voting 'FOR' all proposals, suggesting a low likelihood of investor dissent.

Analyst Insight

Investors should review the qualifications of the director nominees, John C. Leavitt, Christopher Perrucci, and Carl C. Hoechner, to ensure their continued expertise aligns with the company's strategic needs. Voting 'FOR' the proposed directors and auditor ratification is a standard action unless specific concerns about governance or financial oversight exist. Participate in the vote by November 7, 2025, to ensure your voice is heard.

Key Numbers

• November 7, 2025 — Annual Meeting Date (Date for electing directors and ratifying auditor)
• September 8, 2025 — Record Date (Date for determining stockholders entitled to vote)
• 3,001,216 — Common Stock Shares (Shares outstanding as of Record Date)
• 166,000 — Preferred Stock Shares (Shares outstanding as of Record Date)
• 3,167,216 — Total Voting Shares (Aggregate shares entitled to vote at Annual Meeting)
• 35% — Quorum Requirement (Percentage of shares needed for a quorum)
• 3 — Directors to be Elected (Number of directors for a three-year term until 2028)
• 2017 — Director Tenure Start (Year John C. Leavitt and Christopher Perrucci began serving as directors)
• 2011 — Director Tenure Start (Year Carl C. Hoechner began serving as a director for Standard Premium Finance Management Corporation)
• 2028 — Director Term Expiration (Year the elected directors' terms will expire)

Key Players & Entities

• STANDARD PREMIUM FINANCE HOLDINGS, INC. (company) — Registrant
• William J. Koppelmann (person) — Chairman and Chief Executive Officer
• Margaret Ruiz (person) — Secretary
• John C. Leavitt (person) — Director Nominee
• Christopher Perrucci (person) — Director Nominee
• Carl C. Hoechner (person) — Director Nominee
• Securities and Exchange Commission (regulator) — Regulatory body
• $3,001,216 (dollar_amount) — Shares of Common Stock outstanding
• $166,000 (dollar_amount) — Shares of Series A Convertible Preferred Stock outstanding
• $3,167,216 (dollar_amount) — Total shares outstanding

FAQ

Industry Context

Standard Premium Finance Holdings, Inc. operates within the financial services sector, specifically in premium financing for insurance policies. This niche industry involves providing short-term loans to policyholders to pay insurance premiums, thereby facilitating insurance coverage. The competitive landscape includes other premium finance companies, as well as direct insurance carriers and independent agents who may offer alternative payment plans.

Regulatory Implications

As a financial services entity, SPFX is subject to various state and federal regulations governing lending, consumer protection, and financial reporting. Compliance with these regulations is crucial to avoid penalties and maintain operational integrity. Changes in regulatory requirements, such as those related to interest rates, disclosure, or capital adequacy, could impact the company's business model and profitability.

What Investors Should Do

1. Review proxy materials carefully before the annual meeting.
2. Vote your shares, either online, by mail, or in person.
3. Consider the tenure and experience of the director nominees.
4. Note the company's use of internet-based proxy material delivery.

Key Dates

• 2025-11-07: 2025 Annual Meeting of Stockholders — Date for electing directors and ratifying the independent registered public accounting firm.
• 2025-09-08: Record Date — Determines which stockholders are entitled to vote at the Annual Meeting.
• 2025-09-15: Date of Proxy Statement and Notice of Annual Meeting — Informs stockholders about the meeting agenda, voting procedures, and proxy materials.
• 2025-10-20: Deadline to request paper copies of proxy materials — Ensures timely delivery of physical proxy materials to stockholders who request them.

Glossary

DEF 14A

A filing with the SEC that provides detailed information about a company's annual meeting, including director nominees, executive compensation, and other matters to be voted on by shareholders. (This document is the proxy statement for Standard Premium Finance Holdings, Inc.'s annual meeting.)

Proxy Statement

A document that the SEC requires companies to send to shareholders before a shareholder meeting, containing information about the matters to be voted on. (This is the primary document detailing the agenda and voting procedures for the SPFX annual meeting.)

Record Date

A specific date set by a company to determine which shareholders are eligible to vote at a shareholder meeting. (September 8, 2025, is the record date for SPFX's annual meeting, meaning only shareholders as of this date can vote.)

Quorum

The minimum number of shareholders or shares required to be present at a meeting for it to be validly held and for business to be transacted. (For SPFX's meeting, 35% of the total voting shares must be present (in person or by proxy) to constitute a quorum.)

Broker non-vote

Occurs when a broker holding shares in 'street name' for a beneficial owner does not vote those shares on a particular proposal because the owner has not provided voting instructions. (Broker non-votes are counted for quorum purposes but do not count for or against a proposal.)

Year-Over-Year Comparison

This filing is a proxy statement for the 2025 Annual Meeting and does not contain comparative financial performance data from a previous year's proxy statement. However, it does provide information on the record date (September 8, 2025) and the total outstanding shares (3,167,216), which would be used for comparison with future filings to assess changes in share structure or voting power.

Key Financial Figures

• $200k — o April 2004, growing the business from $200k and two employees into $4m and 25 emplo
• $4m — iness from $200k and two employees into $4m and 25 employees. He recently completed

Filing Documents

• spfx_def14a.htm (DEF 14A) — 269KB
• image_005.jpg (GRAPHIC) — 53KB
• image_006.jpg (GRAPHIC) — 51KB
• 0001079973-25-001452.txt ( ) — 786KB
• spfx-20241231.xsd (EX-101.SCH) — 3KB
• spfx-20241231_def.xml (EX-101.DEF) — 5KB
• spfx-20241231_lab.xml (EX-101.LAB) — 52KB
• spfx-20241231_pre.xml (EX-101.PRE) — 39KB
• spfx_def14a_htm.xml (XML) — 4KB

From the Filing

Proxy Statement UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________ SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ____________________ Filed by the Registrant Filed by a Party other than the Registrant Check the appropriate box: Preliminary Proxy Statement Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2) Definitive Proxy Statement Definitive Additional Materials Soliciting Material under Rule 14a-12 STANDARD PREMIUM FINANCE HOLDINGS, INC. (Name of the Registrant as Specified In Its Charter) (Name of Person(s) Filing Proxy Statement, if other than the Registrant) Payment of Filing Fee (Check the appropriate box): No fee required. Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11. 1. Title of each class of securities to which transaction applies: 2. Aggregate number of securities to which transaction applies: 3. Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (Set forth the amount on which the filing fee is calculated and state how it was determined): 4. Proposed maximum aggregate value of transaction: 5. Total fee paid: Fee paid previously with preliminary materials. Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing. 1. Amount Previously Paid: 2. Form, Schedule or Registration Statement No.: 3. Filing Party: 4. Date Filed: STANDARD PREMIUM FINANCE HOLDINGS, INC. 13590 SW 134th Avenue, Suite 214 Miami, FL 33186 Dear Fellow Stockholders: You are cordially invited to attend the 2025 Annual Meeting of Stockholders of Standard Premium Finance Holdings, Inc. which will be held at Three Lakes Clubhouse, 13321 SW 151st Terrace, Miami, Florida 33186 at 4:00 p.m., on Friday, November 7, 2025. During the meeting, we will conduct the business described in the Notice of Annual Meeting of Stockholders and Proxy Statement. I hope you will be able to attend. We are following Securities and Exchange Commission rules which enable us to provide proxy materials for the 2025 Annual Meeting on the Internet instead of automatically mailing printed copies. This allows us to provide our stockholders with the information they need, while lowering the cost of the delivery of materials and reducing the environmental impact from printing, mailing and disposing of paper copies. Stockholders of record will receive a notice with instructions on how to access those documents over the internet and request a paper copy of our proxy materials, including this proxy statement, our 2024 Annual Report and voting instructions. Stockholders whose shares are held in a brokerage account will receive this information from their broker. Whether or not you plan to attend the Annual Meeting, it is important that you vote by following the voting instructions provided by the Company or your broker. If you attend the Annual Meeting and decide to vote in person, you may revoke your proxy. On behalf of the directors, officers and employees of Standard Premium Finance Holdings, Inc., I thank you for your continued support. Sincerely, William J. Koppelmann Chairman and Chief Executive Officer September 15, 2025 PLEASE VOTE NOW TO AVOID THE EXPENSE OF A FURTHER SOLICITATION STANDARD PREMIUM FINANCE HOLDINGS, INC. 13590 SW 134th Avenue, Suite 214 Miami, FL 33186 NOTICE OF ANNUAL MEETING OF STOCKHOLDERS To Be Held on November 7, 2025 The 2024 Annual Meeting of the Stockholders (the "Annual Meeting") of Standard Premium Finance Holdings, Inc., a Florida corporation (the "Company"), will be held at Three Lakes Clubhouse, 13321 SW 151st Terrace, Miami, Florida 33186 on Friday, November 7, 2025 at 4:00 p.m., for the following purposes: 1. To elect three (3) members to the Company's Board of Directors to serve until the 2028 annual meeting of stockholders; 2. To ratify the selection of the independent registered public accounting firm for 2025; and To transact such other business as may properly come before the meeting or any adjournment thereof. Our Board of Directors has fixed the close of business on September 8, 2025 as the record date for the determination of stockholders entitled to notice of and to vote at the meeting or any adjournment thereof. Your attention is directed to the following pages for information on voting and obtaining a paper copy of the proxy materials for the Annual Meeting. You are cordially invited to attend the Annual Meeting. The Board of Directors encourages you to access the proxy materials and vote in person or by proxy by following the instructions on the following pages. By Order of

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