RELATED-PARTY TRANSACTIONS (Tables)

9 Months Ended

Sep. 30, 2025

Our related-party payables consisted of the following:

SCHEDULE OF RELATED PARTY PAYABLES

	September 30, 2025			December 31, 2024
Convertible Promissory Note entered into on 4/27/20, net of debt discount of $594,825 as of September 30, 2025 [1]	$	705,175		$	607,995
Convertible Promissory Note entered into on 5/27/20, net of debt discount of $322,941 as of September 30, 2025 [2]		377,059			324,304
Convertible Promissory Note entered into on 11/9/20, net of debt discount of $628,561 as of September 30, 2025 [3]		671,439			568,742
Working Capital Promissory Note entered into on 3/22/21 [4]		1,205,557			1,204,567
Total related-party debt		2,959,230			2,705,608
Less: Current portion		(1,205,557	)		(1,204,567	)
Related-party debt, long term	$	1,753,673		$	1,501,041

[1]

On April 27, 2020, we received proceeds of $1,300,000 from DBR Capital, LLC (“DBR Capital”), an entity controlled by a member of our Board of Directors and entered into a convertible promissory note. The note is secured by collateral of the Company and its subsidiaries. The note bears interest at 20% per annum, payable monthly, and the principal is due and payable on April 27, 2030. Per the original terms of the agreement, the note was convertible into common stock at a conversion price of $0.01257 per share, which was amended on November 9, 2020, to reduce the conversion price to $0.007 per share. At inception we recorded a beneficial conversion feature and debt discount of $1,300,000. During the nine months ended September 30, 2025, we recognized $97,180 of the debt discount into interest expense, and expensed an additional $195,012 of interest expense on the note, all of which was repaid during the period.

[2]

On May 27, 2020, we received proceeds of $700,000 from DBR Capital, LLC, an entity controlled by a member of our Board of Directors and entered into a convertible promissory note. The note is secured by collateral of the Company and its subsidiaries. The note bears interest at 20% per annum, payable monthly, and the principal is due and payable on April 27, 2030. Per the original terms of the agreement, the note was convertible into common stock at a conversion price of $0.01257 per share, which was amended on November 9, 2020, to reduce the conversion price to $0.007 per share. At inception we recorded a beneficial conversion feature and debt discount of $700,000. During the nine months ended September 30, 2025, we recognized $52,761 of the debt discount into interest expense and expensed an additional $105,003 of interest expense on the note, all of which was repaid during the period.

INVESTVIEW, INC.

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

AS OF SEPTEMBER 30, 2025

(Unaudited)

[3]

On November 9, 2020, we received proceeds of $1,300,000 from DBR Capital, LLC, an entity controlled by a member of our Board of Directors and entered into a convertible promissory note. The note is secured by collateral of the Company and its subsidiaries. The note bears interest at 38.5% per annum, made up of a 25% interest rate per annum and a facility fee of 13.5% per annum, payable monthly beginning February 1, 2021, and the principal is due and payable on April 27, 2030. Per the terms of the agreement, the note is convertible into common stock at a conversion price of $0.007 per share. At inception we recorded a beneficial conversion feature and debt discount of $1,300,000. During the nine months ended September 30, 2025, we recognized $102,691 of the debt discount into interest expense and expensed an additional $375,372 of interest expense on the note, all of which was repaid during the period.

[4]

On March 22, 2021, we entered into Securities Purchase Agreements to purchase 100% of the operating assets of SSA Technologies LLC (“SSA”), an entity that owns and operates a FINRA-registered broker-dealer. SSA is controlled and partially owned by Joseph Cammarata, our former Chief Executive Officer. (See NOTE 11). Commencing upon execution of the agreements and through the closing of the transactions, we agreed to provide certain transition service arrangements to SSA. In connection with the transactions, we entered into a Working Capital Promissory Note with SSA under which SSA was to have advanced to us up to $1,500,000 before the end of 2021; however, SSA only provided advances of $1,200,000, to date. The note bears interest at the rate of 0.11% per annum. The note was due and payable by January 31, 2022; however, has not yet been repaid as we consider our legal options in light of SSA’s failure to complete its funding obligations, and the other damages we sustained as a result of the actions of Mr. Cammarata. During the nine months ended September 30, 2025, we recorded interest expense of $990 on the note. The note was to have been secured by the pledge of 12,000,000 shares of our common stock; however, it remains unsecured as the pledge of shares was not implemented at the closing of the loan.

Investview, Inc. 10-Q