UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): September 30, 2025

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

CURRENT REPORT ON FORM 8-K

FlexShopper, Inc. (the “Company”)

September 30, 2025

Item 1.01. Entry into a Material Definitive Agreement.

On September 30, 2025, the Company, as guarantor, and Flex Revolution, LLC, a wholly owned subsidiary of the Company, as borrower (“Flex Revolution”), entered into a Forbearance and Sixth Amendment (the “Amendment”) to Credit Agreement (the “Basepoint Credit Agreement”) with BP Fundco, LLC, as administrative agent and as a lender (“Basepoint”). All capitalized terms used in this Iten 1.01 are, unless otherwise indicated, as defined in the Basepoint Credit Agreement

Pursuant to the Amendment, Basepoint agreed to (a) continue to forbear on taking any action or exercising any rights or remedies available to Basepoint against Flex Revolution or the Company, which arise from certain Events of Default by Flex Revolution under Section 8.01 of the Basepoint Credit Agreement, including, among others, failure to deliver financial statements, a collateral coverage shortfall, and minimum liquidity requirements, until the earlier of (x) October 27, 2025, (y) the failure of Flex Revolution to perform or observe any term, covenant or agreement set forth in the Amendment or (z) at the election of Basepoint, in its sole discretion (the “Forbearance Period”), and (b) extend the Draw Period under the Basepoint Credit Agreement until October 27, 2025, subject to earlier termination due to certain trigger events. In addition, the Amendment revises Section 2.01 of the Basepoint Credit Agreement to allow Flex Revolution to request Revolving Credit Loans in excess of the Revolving Credit Availability of up to $750,000 through October 27, 2025 (the “Over-Advances”). The Over-Advances accrue interest, are repayable by the maturity date, must be used for specified purposes and require a detailed use of proceeds request. Basepoint is funding Flex Revolution operations through the Over-Advances and access to other funds through October 27, 2025, to facilitate the sale of certain of Basepoint’s Collateral in an Article 9 UCC Sale (the “Article 9 Sale”) scheduled to occur on October 24, 2025. After the sale, any remaining obligations of Flex Revolution under the Basepoint Credit Agreement will either be assumed by the purchaser of the Collateral or extinguished. Once the Article 9 Sale is completed, Flex Revolution will cease operations.

The foregoing summary description of the Amendment is qualified in its entirety by reference to the full text thereof, a copy of which is attached hereto as Exhibit 10.1 and incorporated herein in its entirety.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits. The exhibits listed in the following Exhibit Index are filed as part of this current report.

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 hereunto duly authorized.

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