STANDARD PREMIUM FINANCE HOLDINGS Business Summary

Standard Premium Finance Holdings, Inc. (SPFX) operates as a specialized financial services firm primarily focused on the insurance premium finance sector. The company generates revenue through interest income—specifically finance charges, which account for nearly 90% of total revenue—and ancillary fees, including late charges and loan origination fees. Its core business model involves providing collateralized loans to small-to-medium enterprises (SMEs) and individuals to cover property and casualty (P&C) insurance premiums, utilizing the unearned portion of the insurance policy as security. As of early 2026, the company has expanded its national footprint to 41 licensed states and maintains a $115 million credit facility to support its aggressive M&A strategy and organic portfolio growth. Standard Premium competes directly with major industry players such as IPFS (International Premium Funding Services), AFCO Insurance Premium Finance, Imperial PFS, and Wintrust’s First Insurance Funding. Within this fragmented and consolidating market, SPFX positions itself as a scalable, technology-driven platform focused on high-velocity loan originations and strategic roll-up opportunities. The company is led by Co-founder, Chairman, and CEO William J. Koppelmann, a veteran with over 30 years of experience in the insurance premium finance industry and a former multi-term president of the Florida Premium Finance Association. Supporting the executive suite are Brian Krogol, CPA, who serves as Chief Financial Officer and Director, and Ramón Mejido, the Vice President of Technology, who oversees the firm’s proprietary underwriting and management systems. The leadership team is bolstered by a seasoned Board of Directors, including Carl C. Hoechner, Scott Howell, MD, and Christopher Perrucci, Esq. Notable for its high level of insider alignment, corporate insiders own approximately 59% of the company’s outstanding shares, with CEO William Koppelmann maintaining a significant individual stake of approximately 26.9% as of February 2026.