{
  "name": "Standard Premium Finance Holdings, Inc.",
  "legal_name": "STANDARD PREMIUM FINANCE HOLDINGS, INC.",
  "ticker": "SPFX",
  "tickers": [
    "SPFX"
  ],
  "cik": "0001807893",
  "page_url": "https://steadybase.io/company/standard-premium-finance-holdings-inc/",
  "markdown_url": "https://steadybase.io/company/standard-premium-finance-holdings-inc.md",
  "json_url": "https://steadybase.io/company/standard-premium-finance-holdings-inc.json",
  "as_of": "2026-11-10",
  "last_filed": "2026-08-10",
  "industry": {
    "sic": "6159",
    "description": "Miscellaneous Business Credit Institution"
  },
  "headquarters": {
    "city": "Miami",
    "state": "FL",
    "country": "US"
  },
  "exchanges": [
    "OTC"
  ],
  "fiscal_year_end": "December 31",
  "filer_category": "Non-accelerated filer<br>Smaller reporting company<br>Emerging growth company",
  "state_of_incorporation": "FL",
  "website": "standardpremium.com",
  "investor_relations_url": "https://standardpremium.com/investors.html",
  "linkedin_company_url": "https://www.linkedin.com/company/standard-premium-finance",
  "summary": {
    "text": "Pass loan collateral in excess of receivable value – the total amount of excess collateral over the receivable on loans classified as “pass” loans.e. collateral) compared to the unpaid balance of the loan. If a “pass” receivable were to undergo an assumed cancellation as of the respective balance sheet date, the Company would not experience a loss.",
    "section": "Item 1. Business",
    "period_end": "2025-12-31",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/spfx_10k-123125.htm"
  },
  "key_facts": [
    {
      "key": "revenue",
      "label": "Revenue",
      "value": 12469770,
      "unit": "USD",
      "period_start": "2025-01-01",
      "period_end": "2025-12-31",
      "basis": "filing_fact",
      "form": "10-K",
      "filed": "2026-03-20",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/0001079973-26-000349-index.html",
      "text": "Revenue: $12.5M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 20, 2026)."
    },
    {
      "key": "net_income",
      "label": "Net income",
      "value": 1213960,
      "unit": "USD",
      "period_start": "2025-01-01",
      "period_end": "2025-12-31",
      "basis": "filing_fact",
      "form": "10-K",
      "filed": "2026-03-20",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/0001079973-26-000349-index.html",
      "text": "Net income: $1.2M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 20, 2026)."
    },
    {
      "key": "employees",
      "label": "Employees",
      "value": 25,
      "unit": "people",
      "period_end": "2025-12-31",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/spfx_10k-123125.htm",
      "text": "Employees: 25 as of Dec 31, 2025, as reported in an SEC filing."
    },
    {
      "key": "shares_outstanding",
      "label": "Shares outstanding",
      "value": 2930134,
      "unit": "shares",
      "period_end": "2026-11-10",
      "form": "10-Q",
      "filed": "2026-11-09",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326001442/0001079973-26-001442-index.html",
      "text": "Shares outstanding: 2,930,134 as of Nov 10, 2026 (10-Q filed Nov 9, 2026)."
    },
    {
      "key": "auditor",
      "label": "Auditor",
      "value": "Stephano Slack LLC",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/spfx_10k-123125.htm",
      "text": "Auditor: Stephano Slack LLC, Wayne, Pennsylvania, named in the latest 10-K."
    }
  ],
  "metrics": {
    "revenue": [
      {
        "period_start": "2025-01-01",
        "period_end": "2025-12-31",
        "value": 12469770,
        "unit": "USD",
        "basis": "filing_fact",
        "form": "10-K",
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      },
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        "period_start": "2024-01-01",
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        "value": 12143143,
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        "filed": "2026-03-20",
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      },
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        "period_start": "2023-01-01",
        "period_end": "2023-12-31",
        "value": 9723010,
        "unit": "USD",
        "basis": "filing_fact",
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        "filed": "2025-03-10",
        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325000367/0001079973-25-000367-index.html"
      },
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        "period_start": "2022-01-01",
        "period_end": "2022-12-31",
        "value": 8156537,
        "unit": "USD",
        "basis": "filing_fact",
        "form": "10-K",
        "filed": "2024-03-15",
        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997324000379/0001079973-24-000379-index.html"
      },
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        "period_start": "2021-01-01",
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        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000155335023000172/0001553350-23-000172-index.html"
      }
    ],
    "net_income": [
      {
        "period_start": "2025-01-01",
        "period_end": "2025-12-31",
        "value": 1213960,
        "unit": "USD",
        "basis": "filing_fact",
        "form": "10-K",
        "filed": "2026-03-20",
        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/0001079973-26-000349-index.html"
      },
      {
        "period_start": "2024-01-01",
        "period_end": "2024-12-31",
        "value": 979993,
        "unit": "USD",
        "basis": "filing_fact",
        "form": "10-K",
        "filed": "2026-03-20",
        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/0001079973-26-000349-index.html"
      },
      {
        "period_start": "2023-01-01",
        "period_end": "2023-12-31",
        "value": 532402,
        "unit": "USD",
        "basis": "filing_fact",
        "form": "10-K",
        "filed": "2025-03-10",
        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325000367/0001079973-25-000367-index.html"
      },
      {
        "period_start": "2022-01-01",
        "period_end": "2022-12-31",
        "value": 806131,
        "unit": "USD",
        "basis": "filing_fact",
        "form": "10-K",
        "filed": "2024-03-15",
        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997324000379/0001079973-24-000379-index.html"
      },
      {
        "period_start": "2021-01-01",
        "period_end": "2021-12-31",
        "value": 876323,
        "unit": "USD",
        "basis": "filing_fact",
        "form": "10-K",
        "filed": "2023-03-17",
        "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000155335023000172/0001553350-23-000172-index.html"
      }
    ]
  },
  "next_earnings": {
    "date": "2026-11-11",
    "confidence": "estimate",
    "webcast_url": null
  },
  "people": [
    {
      "name": "William Koppelmann",
      "title": "CEO",
      "role": "both",
      "linkedin_url": "https://linkedin.com/in/william-koppelmann-334526b8",
      "form": "4",
      "filed": "2025-12-15",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001853/0001079973-25-001853-index.htm"
    },
    {
      "name": "Brian Krogol",
      "title": "CFO",
      "role": "both",
      "linkedin_url": null,
      "form": "4",
      "filed": "2025-11-25",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001817/0001079973-25-001817-index.htm"
    }
  ],
  "events_8k": [
    {
      "filed": "2026-06-16",
      "items": [
        {
          "item": "5.07",
          "label": "Submission of matters to a vote of security holders",
          "signal": "governance"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000842/spfx_8k.htm"
    },
    {
      "filed": "2026-04-28",
      "items": [
        {
          "item": "8.01",
          "label": "Other events",
          "signal": "other"
        },
        {
          "item": "9.01",
          "label": "Financial statements and exhibits",
          "signal": "exhibits"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000559/spfx_8k.htm"
    },
    {
      "filed": "2026-03-31",
      "items": [
        {
          "item": "4.01",
          "label": "Changes in registrant's certifying accountant",
          "signal": "governance"
        },
        {
          "item": "9.01",
          "label": "Financial statements and exhibits",
          "signal": "exhibits"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000396/spfx_8k.htm"
    },
    {
      "filed": "2025-12-29",
      "items": [
        {
          "item": "8.01",
          "label": "Other events",
          "signal": "other"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000155335025000200/spfx_8k.htm"
    },
    {
      "filed": "2025-11-13",
      "items": [
        {
          "item": "5.07",
          "label": "Submission of matters to a vote of security holders",
          "signal": "governance"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001696/spfx_8k.htm"
    },
    {
      "filed": "2025-10-01",
      "items": [
        {
          "item": "2.01",
          "label": "Completion of acquisition or disposition of assets",
          "signal": "m_and_a"
        },
        {
          "item": "9.01",
          "label": "Financial statements and exhibits",
          "signal": "exhibits"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001528/spfx_8k.htm"
    },
    {
      "filed": "2025-07-31",
      "items": [
        {
          "item": "8.01",
          "label": "Other events",
          "signal": "other"
        },
        {
          "item": "9.01",
          "label": "Financial statements and exhibits",
          "signal": "exhibits"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001205/spfx_8k.htm"
    },
    {
      "filed": "2025-07-24",
      "items": [
        {
          "item": "2.02",
          "label": "Results of operations and financial condition (earnings release)",
          "signal": "earnings"
        },
        {
          "item": "9.01",
          "label": "Financial statements and exhibits",
          "signal": "exhibits"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001180/spfx_8k.htm"
    },
    {
      "filed": "2025-05-28",
      "items": [
        {
          "item": "1.01",
          "label": "Entry into a material definitive agreement",
          "signal": "deal"
        },
        {
          "item": "2.03",
          "label": "Creation of a direct financial obligation",
          "signal": "financing"
        },
        {
          "item": "8.01",
          "label": "Other events",
          "signal": "other"
        },
        {
          "item": "9.01",
          "label": "Financial statements and exhibits",
          "signal": "exhibits"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325000935/spfx_8k.htm"
    },
    {
      "filed": "2025-04-21",
      "items": [
        {
          "item": "4.01",
          "label": "Changes in registrant's certifying accountant",
          "signal": "governance"
        },
        {
          "item": "9.01",
          "label": "Financial statements and exhibits",
          "signal": "exhibits"
        }
      ],
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325000683/spfx_8k.htm"
    }
  ],
  "insider_trades": [
    {
      "owner": "Carl Christian Hoechner",
      "role": "Director",
      "action": "bought",
      "code": "P",
      "shares": 100,
      "value_usd": 213,
      "date": "2026-05-28",
      "filed": "2026-05-29",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000747/0001079973-26-000747-index.htm"
    },
    {
      "owner": "Carl Christian Hoechner",
      "role": "Director",
      "action": "bought",
      "code": "P",
      "shares": 38,
      "value_usd": 76,
      "date": "2026-05-22",
      "filed": "2026-05-26",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000734/0001079973-26-000734-index.htm"
    },
    {
      "owner": "Carl Christian Hoechner",
      "role": "Director",
      "action": "bought",
      "code": "P",
      "shares": 300,
      "value_usd": 675,
      "date": "2026-05-21",
      "filed": "2026-05-21",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000715/0001079973-26-000715-index.htm"
    },
    {
      "owner": "William Koppelmann",
      "role": "CEO",
      "action": "bought",
      "code": "P",
      "shares": 1000,
      "value_usd": 1910,
      "date": "2025-12-10",
      "filed": "2025-12-15",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001853/0001079973-25-001853-index.htm"
    },
    {
      "owner": "Carl Christian Hoechner",
      "role": "Director",
      "action": "bought",
      "code": "P",
      "shares": 100,
      "value_usd": 195,
      "date": "2025-11-25",
      "filed": "2025-11-26",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000155335025000151/0001553350-25-000151-index.htm"
    },
    {
      "owner": "Brian Krogol",
      "role": "CFO",
      "action": "bought",
      "code": "P",
      "shares": 1120,
      "value_usd": 2565,
      "date": "2025-11-21",
      "filed": "2025-11-25",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001817/0001079973-25-001817-index.htm"
    },
    {
      "owner": "Carl Christian Hoechner",
      "role": "Director",
      "action": "bought",
      "code": "P",
      "shares": 100,
      "value_usd": 225,
      "date": "2025-11-18",
      "filed": "2025-11-19",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997325001800/0001079973-25-001800-index.htm"
    }
  ],
  "quotes": [],
  "latest_filings": [
    {
      "form": "8-K",
      "filed": "2026-06-16",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000842/spfx_8k.htm"
    },
    {
      "form": "10-K",
      "filed": "2026-03-20",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000349/spfx_10k-123125.htm"
    },
    {
      "form": "10-Q",
      "filed": "2026-08-10",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326001024/spfx_10q.htm"
    },
    {
      "form": "DEF 14A",
      "filed": "2026-04-20",
      "source_url": "https://www.sec.gov/Archives/edgar/data/1807893/000107997326000505/spfx_def14a.htm"
    }
  ],
  "source": "SEC EDGAR filings, read by Steadybase. Every value links to the filing it came from."
}