Reborn Coffee, Inc. Debt Disclosure
| 4. | LOANS PAYABLE TO FINANCIAL INSITUTIONS |
Loans payable to financial institutions consisted of the following:
| December 31, | 2025 | 2024 | ||||||
| Loan agreements with principal amount of $960,777 and repayment rate of 14.75% to 20.0%. The loans payable mature on various dates in 2026. | $ | 109,247 | $ | 111,300 | ||||
| Total loan payable | 109,247 | 111,300 | ||||||
| Less: current portion | (109,247 | ) | (111,300 | ) | ||||
| Total loan payable, net of current | $ | $ | ||||||
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Historical Timeline
| Fiscal Year | Filed | |
|---|---|---|
| 2025 | Apr 22, 2026 | Showing above |
| 2024 | Mar 31, 2025 | |
About Debt Disclosures
Debt disclosures detail a company's borrowing structure — the types of instruments, interest rates, maturity schedule, and covenant restrictions that define its financial obligations and flexibility. This section is essential for assessing refinancing risk, interest rate exposure, and the margin of safety against financial distress.
Key signals: the maturity schedule reveals concentration risk — large maturities within 1-2 years during tight credit markets can force dilutive refinancing or asset sales. Compare the fair value of debt against carrying amount to gauge whether the market views the company's credit risk differently than the balance sheet suggests. Watch covenant compliance disclosures for tightening cushions, especially leverage and interest coverage ratios. Variable-rate debt exposure quantifies sensitivity to interest rate changes. Secured versus unsecured mix affects recovery rates and future borrowing capacity. Compare net debt-to-EBITDA against industry peers and covenant limits to assess financial health.