Note 11  Leases

 

The Company has operating leases for its office and office equipment.

 

Corporate Headquarters

 

In June 2021, the Company executed a lease for its new corporate headquarters in Miami, Florida. The Company is leasing approximately 12,000 square feet of office space for an eight year term, which commenced on March 1, 2022. Annual base rent payments are $58.00 per square foot and are subject to a 3% annual escalation. Based on the terms of the lease agreement, the Company paid a security deposit of approximately $117,000, which was partially refunded during fiscal 2025. 

 

Chicago Lease

 

The Company leased approximately 6,600 square feet of office space located in Chicago, Illinois. The Company executed the lease for this office in May 2016, for a seven-year period commencing on November 1, 2016 and ending on October 31, 2023. The lease granted the Company a seven-month lease holiday beginning November 1, 2016, a five-month lease abatement beginning June 1, 2017, and provided a tenant improvement allowance. Annual base rent payments were $14.00 per square foot in year one and increase on an annual basis to $17 per square foot in the final year of the lease. The lease also required payment of related expenses, including real estate taxes, common area maintenance, utilities and insurance expenses from June 1, 2017 to October 31, 2023. Based on the terms of the lease agreement, the Company paid a security deposit of $55,000. Effective September 1, 2017, the Company entered into a sublease for this office space through October 31, 2023. Monthly sublease payments of approximately $15,200 commenced in January 2018 and ended August 2023. The monthly sublease payment was subject to annual increases in September of each year and increased to approximately $17,300 per month in the final year of the sublease. Sublease income was recognized as a reduction to operating lease costs as the sublease was outside of the Company’s normal business operations. This is consistent with the Company’s recognition of sublease income prior to the adoption of FASB ASC Topic 842. The tenant under the sublease provided a security deposit of $30,000 to the Company. The Company continued to be responsible for performance under the lease until it expired on October 31, 2023.

 

Certain of our lease agreements include variable lease payments for common area maintenance, real estate taxes, and insurance or based on usage for the office equipment leases. The components of the Company’s lease cost were as follows for the years ended September 30, 2025 and 2024:

 

  

2025

  

2024

 
         

Operating lease cost

 $744,931  $746,921 

Short-term lease cost

  10,164   10,164 

Variable lease cost

  59,353   19,581 

Sublease income

     (15,148)

Total lease cost

 $814,448  $761,518 

 

The Company paid cash of $0.8 million for amounts included in the measurement of operating lease liabilities during each of the years ended September 30, 2025 and 2024. The Company’s operating lease ROU assets and related lease liabilities are presented as separate line items on the accompanying consolidated balance sheet as of September 30, 2025 and 2024.

 

Other information related to the Company’s leases as of September 30, 2025 and 2024 was as follows:

 

  

2025

  

2024

 

Operating Leases

        

Weighted-average remaining lease term

  4.4   5.4 

Weighted-average discount rate

  7.1%  7.1%

 

The Company’s lease agreements do not provide a readily determinable implicit rate. Therefore, the Company estimates its incremental borrowing rate based on information available at lease commencement in order to discount lease payments to present value.

 

As of September 30, 2025, maturities of lease liabilities were as follows:

 

  

Operating

 
  

Leases

 

Fiscal year ended September 30,

    

2026

 $788,467 

2027

  810,055 

2028

  831,579 

2029

  856,526 

2030

  361,270 

Total lease payments

  3,647,897 

Less imputed interest

  (530,933)

Total lease liabilities

 $3,116,964 

 

The Company does not have any leases that have not yet commenced as of September 30, 2025.

 

The lease liabilities presented above do not include variable lease payments for common area maintenance, real estate taxes, and insurance or based on usage for the office equipment leases. These amounts are not fixed and can fluctuate from year to year.

 

About Leases Disclosures

Lease disclosures under ASC 842 provide a comprehensive view of a company's leased asset portfolio, including the split between operating and finance leases, discount rates used to present-value future payments, and the maturity schedule of lease obligations. This section reveals a significant source of off-balance-sheet commitments that were largely hidden before the current standard.

Key signals: the weighted-average discount rate affects the size of recorded lease liabilities — a higher rate reduces the reported obligation, so compare the chosen rate against the company's incremental borrowing rate. The operating versus finance lease mix affects both EBITDA and operating income presentation. Watch the maturity table for concentration risk: large payment cliffs in specific years may create cash flow pressure. Variable lease payments excluded from the liability measurement represent real obligations that do not appear on the balance sheet. Compare total lease costs against prior-year operating lease expense to assess the true economic burden.