NOTES PAYABLE	9 Months Ended
Sep. 30, 2025
Debt Disclosure [Abstract]
NOTES PAYABLE	NOTE 5 – NOTES PAYABLE The Company has a 30-year unsecured note payable with the U.S. Small Business Administration which incurs interest at 3.75% per annum. Payments totaling $4 thousand are due each year through the maturity date of July 1, 2050. As of September 30, 2025 and December 31, 2024, the balance of the note payable was $60 thousand and $61 thousand, respectively. On April 11, 2025, the Company entered a three-party agreement with one of its banking partners and software providers. Under the terms of the arrangement, AppTech agreed to pay a $103 thousand perpetual licensing fee (payable in six equal monthly installments through October 1) to the software provider. In addition, the banking partner held a $250 thousand note receivable bearing 8% interest with the software provider, while the software provider held an offsetting liability to the banking partner. As part of this arrangement, AppTech assumed the note receivable and offsetting note payable to the software provider and banking partner, respectively. AppTech further paid the accumulated interest to the bank and established an interest receivable from the software provider. The note receivable can be converted into equity of the software provider’s Company. The note receivable matures on June 2026, and may be converted early if a financing event occurs. The note payable is due on demand but no later than June 30, 2026 and the interest expense incurred is paid out quarterly. As of September 30, 2025, the principal and accrued interest on the note receivable was $250 thousand and $41 thousand, respectively. In addition, the $250 thousand obligation to the bank is recorded as a current liability and the accrued interest expense of $5 thousand is recorded in accrued expenses. During the nine months ended September 30, 2025, the Company entered into multiple unsecured convertible note agreements with third-party lenders, with principal amounts ranging from approximately $300 thousand to $360 thousand, bearing stated interest rates of 10%, and original issue discounts ranging from $50 thousand to $60 thousand. The notes have terms of six to twelve months, with maturities between December 2025 and August 2026. Each note may be converted into shares of the Company’s common stock at a fixed conversion price of $2.00 per share, subject to adjustment in the event of default, at which point the conversion price may be reduced to the lower of $2.00 and 80% of the volume-weighted average price (VWAP) of the Company’s common stock for a specified period preceding conversion. Certain notes include provisions for fixed monthly payments beginning after a defined period, and others permit early conversion at the lender’s discretion. As of September 30, 2025, the aggregate principal balance of these notes was approximately $1,020 thousand, and accrued interest totaled approximately $20 thousand.

NOTES PAYABLE

9 Months Ended

Sep. 30, 2025

NOTE 5 – NOTES PAYABLE

The Company has a 30-year unsecured note payable with the U.S. Small Business Administration which incurs interest at 3.75% per annum. Payments totaling $4 thousand are due each year through the maturity date of July 1, 2050.

As of September 30, 2025 and December 31, 2024, the balance of the note payable was $60 thousand and $61 thousand, respectively.

On April 11, 2025, the Company entered a three-party agreement with one of its banking partners and software providers. Under the terms of the arrangement, AppTech agreed to pay a $103 thousand perpetual licensing fee (payable in six equal monthly installments through October 1) to the software provider. In addition, the banking partner held a $250 thousand note receivable bearing 8% interest with the software provider, while the software provider held an offsetting liability to the banking partner. As part of this arrangement, AppTech assumed the note receivable and offsetting note payable to the software provider and banking partner, respectively. AppTech further paid the accumulated interest to the bank and established an interest receivable from the software provider. The note receivable can be converted into equity of the software provider’s Company. The note receivable matures on June 2026, and may be converted early if a financing event occurs. The note payable is due on demand but no later than June 30, 2026 and the interest expense incurred is paid out quarterly. As of September 30, 2025, the principal and accrued interest on the note receivable was $250 thousand and $41 thousand, respectively. In addition, the $250 thousand obligation to the bank is recorded as a current liability and the accrued interest expense of $5 thousand is recorded in accrued expenses.

During the nine months ended September 30, 2025, the Company entered into multiple unsecured convertible note agreements with third-party lenders, with principal amounts ranging from approximately $300 thousand to $360 thousand, bearing stated interest rates of 10%, and original issue discounts ranging from $50 thousand to $60 thousand. The notes have terms of six to twelve months, with maturities between December 2025 and August 2026.

Each note may be converted into shares of the Company’s common stock at a fixed conversion price of $2.00 per share, subject to adjustment in the event of default, at which point the conversion price may be reduced to the lower of $2.00 and 80% of the volume-weighted average price (VWAP) of the Company’s common stock for a specified period preceding conversion. Certain notes include provisions for fixed monthly payments beginning after a defined period, and others permit early conversion at the lender’s discretion.

As of September 30, 2025, the aggregate principal balance of these notes was approximately $1,020 thousand, and accrued interest totaled approximately $20 thousand.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

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+ Details

AppTech Payments Corp. 10-Q