On March 27, 2026, LM Funding America, Inc. (the "Company") announced that it has entered into an At The Market Offering Agreement (the "ATM Agreement") with Maxim Group LLC (the "Agent"). This agreement allows the Company to offer and sell shares of its common stock, par value $0.001 per share, with an aggregate offering price of up to $75 million through the Agent acting as sales agent. The shares will be sold under the Company’s existing shelf registration statement on Form S-3, which was filed with the Securities and Exchange Commission ("SEC") on August 13, 2024, and declared effective on November 21, 2024.

The ATM Agreement enables the Company to sell shares at prevailing market prices, providing flexibility in capital raising. The Company will pay the Agent a cash transaction fee of 3.0% of the gross sales price of the shares sold under the agreement. Additionally, the Company has agreed to reimburse the Agent for reasonable costs and expenses incurred in connection with the ATM Agreement, capped at $50,000 without prior approval from the Company.

The Company retains the right to suspend sales under the ATM Agreement upon proper notice to the Agent. This offering is not guaranteed, and the Company is under no obligation to sell any shares. The ATM Agreement will remain in effect until terminated by either party under the specified conditions.

This move is seen as a strategic effort by LM Funding America to enhance its liquidity and financial flexibility, allowing it to capitalize on market conditions and investor interest. The Company’s ability to raise up to $75 million could provide significant resources for operational execution and strategic initiatives, potentially leading to improved financial performance in the future. However, the dilution of existing shareholders is a consideration, as the issuance of new shares may impact the value of current holdings.

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