Item 2.02 Results of Operations and Financial Condition.

UNITED ~~STATESSECURITIES AND EXCHANGE COMMISSIONWASHINGTON, D.C. 20549~~STATES

~~FORM~~SECURITIES ~~8-K~~AND EXCHANGE COMMISSION

~~CURRENT~~WASHINGTON, ~~REPORT~~D.C. 20549

~~Pursuant~~FORM ~~to Section 13 or 15(d) of the Securities Exchange Act of 1934~~8-K

~~Date~~CURRENT ~~of Report (Date of earliest event reported): March 04, 2026~~REPORT

LMPursuant ~~FUNDING~~to ~~AMERICA,~~Section 13 ~~INC.~~or 15(d)

~~(Exact name~~ of ~~Registrant~~The asSecurities ~~Specified~~Exchange inAct ~~Its~~of ~~Charter)~~1934

Delaware	001-37605	47-3844457
(State or Other Jurisdictionof Incorporation)	(Commission File Number)	(IRS EmployerIdentification No.)
1200 West Platt StreetSuite 100
Tampa, Florida		33606
(Address of Principal Executive Offices)		(Zip Code)

Date of Report (Date of earliest event reported): March 27, 2026

~~Registrant’s~~LM ~~Telephone~~FUNDING ~~Number~~AMERICA, ~~Including Area Code: 813 222-8996~~INC.

(~~Former~~Exact ~~Name~~name orof ~~Former~~Registrant ~~Address,~~as ifSpecified ~~Changed~~in ~~Since~~Its ~~Last Report~~Charter)

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:


Delaware	001-37605	47-3844457
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

1200 West Platt Street
Suite 100
Tampa, Florida		33606
(Address of Principal Executive Offices)		(Zip Code)

~~☐Written~~Registrant’s ~~communications~~Telephone ~~pursuant~~Number, toIncluding ~~Rule~~Area ~~425~~Code: ~~under the Securities Act (17 CFR 230.425)~~813-222-8996

~~☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)~~N/A

~~☐Pre-commencement~~(Former ~~communications~~Name ~~pursuant~~or toFormer ~~Rule~~Address, ~~14d-2(b)~~if ~~under~~Changed ~~the~~Since ~~Exchange~~Last ~~Act (17 CFR 240.14d-2(b~~Report))

~~☐Pre~~Check the appropriate box below if the Form 8-~~commencement~~K ~~communications~~filing ~~pursuant~~is intended to ~~Rule~~simultaneously ~~13e-4(c)~~satisfy ~~under~~the filing obligation of the ~~Exchange~~registrant ~~Act~~under ~~(17~~any ~~CFR~~of ~~240.13e-4(c))~~the following provisions:

~~Securities~~☐ ~~registered~~Written communications pursuant to ~~Section~~Rule ~~12(b)~~425 ofunder the Securities Act: (17 CFR 230.425)

Title of each class		TradingSymbol(s)		Name of each exchange on which registered
Common Stock par value $0.001 per share		LMFA		The Nasdaq Stock Market LLC

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

~~Indicate~~☐ byPre-commencement ~~check~~communications ~~mark~~pursuant ~~whether~~to ~~the registrant is an emerging growth company as defined in~~ Rule ~~405 of the Securities Act of 1933~~ 14d-2(~~§ 230.405 of this chapter~~b) orunder ~~Rule 12b-2 of~~ the ~~Securities~~ Exchange Act of(17 ~~1934~~CFR (§ 240.~~12b~~14d-2 ~~of this chapter~~(b). )

~~Emerging~~☐ ~~growth~~Pre-commencement ~~company~~communications ☐pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

IfSecurities anregistered ~~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 12(ab) of the ~~Exchange~~ Act~~. ☐~~:

LM Funding America, Inc.

Date: March 27, 2026

/s/ Richard Russell

Richard Russell, Chief Financial Officer


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock par value $0.001 per share	LMFA	The NASDAQ Stock Market LLC

OnIndicate ~~March~~by 4,check ~~2026,~~mark whether the ~~Company~~registrant ~~issued~~is aan ~~press~~emerging ~~release~~growth ~~providing~~company ~~Bitcoin~~as ~~production~~defined ~~and~~in ~~mining~~Rule ~~update~~405 ~~for~~of the ~~one~~Securities ~~month~~Act ~~ended~~of ~~February~~1933 ~~28, 2026~~(§ 230.405 ~~The~~of ~~information~~this ~~contained~~chapter) inor ~~the~~Rule ~~press~~12b-2 ~~release~~of isthe ~~incorporated~~Securities ~~herein~~Exchange byAct ~~reference~~of ~~and~~1934 ~~furnished~~(§ 240.12b-2 asof ~~Exhibit~~this 99chapter).1.

~~The~~Emerging ~~information~~growth furnished in this Item 2.02, including Exhibit 99.1, is not deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liability under that Section. This information will not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except to the extent that the Company specifically incorporates it by reference.company ☐

~~Item~~If ~~9.01~~an ~~Financial~~emerging ~~Statements~~growth ~~and~~company, ~~Exhibits~~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. ☐

~~(d)~~Item ~~Exhibits~~1.01. Entry into a Material Definitive Agreement.

ExhibitNumber		Description
99.1		Press release issued March 4, 2026
104		Cover Page Interactive Data File (embedded within the inline XBRL document)

On March 27, 2026, LM Funding America, Inc. (the “Company”) entered into an At The Market Offering Agreement (the “ATM Agreement”) with Maxim Group LLC (the “Agent”), pursuant to which the Company may, from time to time, offer and sell shares of the Company’s common stock, par value $0.001 per share (“Common Stock”), having an aggregate offering price of up to US$75,000,000 (the “Shares”), through the Agent, acting as sales agent. The Shares to be sold under the ATM Agreement, if any, will be issued and sold pursuant to the Company’s shelf registration statement on Form S-3, as amended (File No. 333-281528), which was filed with the Securities and Exchange Commission (“SEC”) on August 13, 2024 (the “Registration Statement”) and was declared effective on November 21, 2024. A prospectus supplement related to the Company’s at the market offering program with the Agent under the ATM Agreement was filed with the SEC on March 27, 2026.

~~Forward-Looking~~Sales ~~Statements~~of the Shares, if any, pursuant to the ATM Agreement may be made by any method permitted by law to be an “at the market offering” as defined in Rule 415 under the Securities Act of 1933, as amended (the “Securities Act”). Each time the Company wishes to issue and sell Shares under the ATM Agreement, it will notify the Agent of the maximum number or dollar amount of Shares to be sold by the Agent, the time period during which sales are requested to be made, any limitation on the number or dollar amount of Shares that may be sold in any one day, and any minimum price below which sales may not be made. Once the Company has so instructed the Agent, unless the sale of the Shares described in the notice has been declined, suspended, or otherwise terminated, the Agent has agreed to use its commercially reasonable efforts to sell such Shares up to the amount specified on such terms. The obligation of the Agent under the ATM Agreement to sell Shares is subject to a number of conditions that the Company must meet.

~~This~~The ~~Current~~Company ~~Report~~will onpay ~~Form~~the ~~8-K~~Agent ~~may~~a ~~contain~~cash ~~“forward-looking~~transaction ~~statements”~~fee ~~within~~equal ~~the~~to ~~meaning~~3.0% of the ~~Private~~gross ~~Securities~~sales ~~Litigation~~price ~~Reform Act~~ of ~~1995.~~the ~~These~~Shares ~~statements~~sold ~~involve~~under ~~risks~~the ~~and~~ATM ~~uncertainty~~Agreement. ~~Words~~Because ~~such~~there asis ~~“anticipate,”~~no ~~“estimate,”~~minimum ~~“expect,”~~offering ~~“intend,”~~amount ~~“plan,”~~required ~~and~~as ~~“project”~~a ~~and~~condition ~~other similar words and expressions are intended~~ to ~~signify~~close ~~forward-looking~~the ~~statements.~~offering, ~~Forward-looking~~the ~~statements~~actual ~~are~~total ~~not~~public ~~guarantees~~offering ofamount, ~~future~~transaction ~~results~~fees and ~~conditions~~proceeds ~~but rather are subject~~ to ~~various risks and uncertainties. Such statements are based on~~ the Company’s, ~~current~~if ~~expectations~~any, ~~and~~ are ~~subject~~not todeterminable aat ~~number~~this oftime. ~~risks~~In ~~and~~addition, ~~uncertainties~~the ~~that~~Company ~~could~~has ~~cause~~agreed ~~actual results~~ to ~~differ~~reimburse ~~materially from those described in~~ the ~~forward-looking~~Agent ~~statements.~~for ~~Investors~~its ~~are~~reasonable ~~cautioned~~costs ~~that~~and ~~there~~out-of-pocket ~~can~~expenses beincurred ~~no assurance actual results or business conditions will not differ materially from those projected or suggested~~ in ~~such~~connection ~~forward-looking~~with ~~statements~~the asATM aAgreement, ~~result~~including ofthe ~~various~~fees ~~risks~~ and ~~uncertainties.~~disbursements ~~Investors~~of ~~should~~its ~~refer~~legal tocounsel, ~~the~~in ~~risks~~an ~~detailed~~amount ~~from~~not ~~time~~ to ~~time~~exceed in$50,000 ~~the~~without ~~reports~~ the ~~Company~~approval ~~files~~of ~~with~~ the ~~SEC~~Company, ~~including~~in ~~the~~addition ~~Company’s~~to ~~Annual~~certain ~~Report~~ongoing ondisbursements ~~Form~~of ~~10-K~~its ~~for~~legal ~~the~~counsel. ~~year~~The ~~ended~~Company ~~December~~has ~~31,~~agreed ~~2024,~~to asindemnify ~~well~~the asAgent ~~other~~against ~~filings~~certain oncivil ~~Form 10-Q and periodic filings on Form 8-K~~liabilities, ~~for~~including ~~additional~~liabilities ~~factors~~under ~~that~~the ~~could~~Securities ~~cause actual results to differ materially from those stated or implied by such forward-looking statements~~Act. The Company ~~disclaims~~has ~~any~~also ~~intention~~agreed orto ~~obligation~~contribute to ~~update~~payments orthe ~~revise~~Agent ~~any~~may ~~forward-looking~~be ~~statements,~~required ~~whether~~to asmake ain ~~result~~respect of ~~new~~such ~~information, future events, or otherwise, unless required by law~~liabilities.

~~SIGNATURES~~The Company has no obligation to sell any of the Shares under the ATM Agreement, and the Company or the Agent may suspend sales of the Shares under the ATM Agreement upon proper notice to the other party. The ATM Agreement will remain in full force and effect, unless (i) terminated by the Company or the Agent as permitted in the ATM Agreement or (ii) terminated by the mutual agreement of the Company and the Agent. The Company may terminate the provisions of the ATM Agreement relating to the solicitation of offers to purchase the Shares at any time upon ten business days’ prior written notice. The Agent may terminate the provisions of the ATM Agreement, by giving written notice in accordance with the ATM Agreement.

~~Pursuant~~This todescription ~~the requirements~~ of the ~~Securities~~ATM ~~Exchange~~Agreement ~~Act~~is ofqualified ~~1934,~~in ~~the~~its ~~registrant~~entirety ~~has~~by ~~duly~~reference ~~caused~~to ~~this~~the ~~report~~ATM toAgreement, bewhich ~~signed~~is onattached ~~its~~hereto ~~behalf~~as byExhibit ~~the~~1.1 ~~undersigned~~and ~~hereunto~~incorporated ~~duly~~by ~~authorized~~reference herein.

			LM Funding America, Inc.
Date:	March 4, 2026	By:	/s/ Richard Russell
			Richard Russell, CFO

The legal opinion of Foley & Lardner LLP relating to the issuance and sale of the Shares is attached as Exhibit 5.1 to this Current Report on Form 8-K.

This Current Report on Form 8-K shall not constitute an offer to sell or the solicitation of an offer to buy any Shares or any Common Stock, nor shall there be any offer, solicitation or sale of Shares or Common Stock in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such state or other jurisdiction.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.


Exhibit Number		Description

1.1		At The Market Offering Agreement, dated March 27, 2026, by and between LM Funding America, Inc. and Maxim Group LLC.

5.1		Opinion of Foley & Lardner LLP.

23.2		Consent of Foley & Lardner LLP (included in Exhibit 5.1).

104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

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.

Filing Compare · LM FUNDING AMERICA, INC.