OPFI / OppFi Inc. - Zgłoszenia SEC, Raport roczny, o pełnomocnictwie

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425 Filed by OppFi Inc. pursuant to Rule 425 under the Securities Act of 1933, as amended Subject Company: BNCCORP, Inc. Filer’s Commission File No.: 001-39550 Date: May 7, 2026 The following communication was made by OppFi Inc. (“OppFi” or the “Company”) in connection with the proposed acquisition of BNCCORP, Inc. (“BNCC”) by OppFi. Transcript of Investor Call The following includes excerpts from

Q1 2026 Earnings Presentation May 7, 2026 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties.

a2026q1earningspresentat Q1 2026 Earnings Presentation May 7, 2026 This presentation (the “Presentation”) of OppFi Inc.

CALCULATION OF FILING FEE TABLES Form S-8 (Form Type) OppFi Inc. (Exact Name of registrant as Specified in its Charter) Table 1: Newly Registered Securities

Exhibit 107.1 CALCULATION OF FILING FEE TABLES Form S-8 (Form Type) OppFi Inc. (Exact Name of registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price per Share (2) Maximum Aggregate Offering Price (2) Fee Rate Amount of Registration Fee Equity Common Stock to be issued

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc.

As filed with the U.S. Securities and Exchange Commission on May 7, 2026.

As filed with the U.S. Securities and Exchange Commission on May 7, 2026. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of Incorporation or organization) 6199 (Primary Standard Indust

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): May 6, 2026 OppFi Inc. (Exact Nam

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): May 6, 2026 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (IR

A Transformative Combination OppFi to Acquire BNCCORP 4/29/2026 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for informational purposes only and has been prepared in connection with the Company’s announcement of

projectbirchinvestorpres A Transformative Combination OppFi to Acquire BNCCORP 4/29/2026 This presentation (the “Presentation”) of OppFi Inc.

CORPORATE SIMPLIFICATION AGREEMENT

Exhibit 10.2 Execution Version CORPORATE SIMPLIFICATION AGREEMENT THIS CORPORATE SIMPLIFICATION AGREEMENT (this “Agreement”), is entered into as of April 28, 2026, by and among OppFi Inc., a Delaware corporation (the “Corporation”), Opportunity Financial, LLC, a Delaware limited liability company (“OpCo”), OppFi Management Holdings, LLC, a Delaware limited liability company (“Management Holdings”)

VOTING AND RESTRICTION AGREEMENT

Exhibit 10.1 Execution Version VOTING AND RESTRICTION AGREEMENT THIS VOTING AND RESTRICTION AGREEMENT, dated as of April 28, 2026 (the “Agreement”), is by and among OppFi, Inc., a Delaware corporation (“Parent”), BNCCORP, Inc., a Delaware corporation (the “Company”), and the holder of the Securities (as defined below) set forth on Schedule A hereto (the “Holder”). W I T N E S S E T H: WHEREAS, Par

AGREEMENT AND PLAN OF MERGER By and Among OPPFI INC., BIRCH MERGER SUB, LLC BNCCORP, INC. Dated as of April 28, 2026 TABLE OF CONTENTS

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER By and Among OPPFI INC., BIRCH MERGER SUB, LLC and BNCCORP, INC. Dated as of April 28, 2026 TABLE OF CONTENTS Page ARTICLE I The Merger SECTION 1.01. The Merger 2 SECTION 1.02. Closing 2 SECTION 1.03. Effective Time 2 SECTION 1.04. Effects of the Merger 3 SECTION 1.05. Certificate of Formation and Operating Agreement of the Surviving Compa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): April 28, 2026 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): April 28, 2026 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

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UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM10-K (MarkOne) ☒ ANNUALREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF1934 ForthefiscalyearendedDecember31,2025 OR ☐ TRANSITIONREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF 1934 Forthetransitionperiodfromto CommissionFileNumber001-39550 OppFiInc. (Exactnameofregistrantasspecifiedinitscharter) Delaware

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL.

Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. Execution Version AMENDMENT NO. 3 TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 3 TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AG

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): April 10, 2026 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): April 10, 2026 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 1 TO AMENDED

EXHIBIT 10.30 EXECUTION VERSION [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 1 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 1 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this

AMENDMENT NO. 2 TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT

EXHIBIT 10.23 Execution Version AMENDMENT NO. 2 TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 2 TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of January 21, 2026 (the “Effective Date”) to that certain Second Amended and Restated Revolving Credit Agreement, dated as of February 13, 2025 (as amended, restated, supplemented or ot

Subsidiaries of OppFi Inc.

Exhibit 21.1 Subsidiaries of OppFi Inc. The following is a list of OppFi Inc. subsidiaries as of December 31, 2025: Subsidiary Jurisdiction of Incorporation Opportunity Financial, LLC Delaware Opportunity Funding SPE II, LLC Delaware Opportunity Funding SPE III, LLC Delaware Opportunity Funding SPE IV, LLC Delaware Opportunity Funding SPE V, LLC Delaware Opportunity Funding SPE VI, LLC Delaware Op

First Amendment to Program Marketing and Servicing Agreement

EXHIBIT 10.15 First Amendment to Program Marketing and Servicing Agreement This FIRST PROGRAM MARKETING AND SERVICING AGREEMENT (“First Amendment”), dated as of March 13, 2025 (“Amendment Effective Date”), is made by and between Opportunity Financial, LLC, a Delaware limited liability company (“Company”), and First Electronic Bank, an FDIC-insured, Utah state-chartered industrial bank having its p

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 2 TO AMENDED

EXHIBIT 10.31 EXECUTION VERSION [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 2 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 2 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc. (Exac

Q4 2025 Earnings Presentation March 11, 2026 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third partie

a2025q4earningspresentat Q4 2025 Earnings Presentation March 11, 2026 This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): March 11, 2026 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): March 11, 2026 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

OppFi Inc. Executive Deferred Compensation Plan, dated October 28, 2025.

EXHIBIT 10.2 OPPFI INC. EXECUTIVE DEFERRED COMPENSATION PLAN ESTABLISHMENT AND PURPOSE This OppFi Inc. Executive Deferred Compensation Plan, as such plan may be amended from time to time (this “Plan”), is hereby adopted effective as of October 28, 2025, and with respect to “Equity Compensation” granted in “Participation Years” (as such terms are defined below) beginning on and after January 1, 202

Revolving Credit Agreement, dated September 29, 2025, by and among Opportunity Financial, LLC, Opportunity Funding SPE IX, LLC, the other credit parties and guarantors thereto, UMB Bank, N.A., as administrative agent and collateral agent, Randolph Receivables 2 LLC, as Castlelake Representative, and the lenders party thereto.

EXHIBIT 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. EXECUTION VERSION REVOLVING CREDIT AGREEMENT dated as of September 29, 2025 among OPPORTUNITY FUNDING SPE IX, LLC, as the Borrower OPPORTUNITY FINANCIAL, LLC, as O

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): October 29, 2025 OppFi Inc. (Exac

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): October 29, 2025 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

Q3 2025 Earnings Presentation October 29, 2025 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sces prepared by third parties

a2025q3earningspresentat Q3 2025 Earnings Presentation October 29, 2025 This presentation (the “Presentation”) of OppFi Inc.

OppFi Reports Record Quarterly Revenue, Net Income, and Adjusted Net Income and Increases Full Year Guidance Net income increased 136.9% year over year to $75.9 million, a Company record for any quarter Adjusted net income1 increased 41.4% year over

opfi-20251029earningsrel OppFi Reports Record Quarterly Revenue, Net Income, and Adjusted Net Income and Increases Full Year Guidance Net income increased 136.

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144 0001874705 XXXXXXXX LIVE 0001818502 OppFi Inc. 001-39550 130 E. RANDOLPH STREET SUITE 3400 CHICAGO IL 60601 (312) 212-8079 McKay Christopher J. Officer Class A Fidelity Brokerage Services LLC 900 Salem Street Smithfield RI 02917 9030 101226.30 28357891 10/02/2025 NYSE Class A 10/01/2024 Restricted Stock Vesting Issuer N 9030 10/01/2024 Compensation N Chris Mckay 130 E. Randolph Street Suite 34

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144 0001874038 XXXXXXXX LIVE 0001818502 OppFi Inc. 001-39550 130 E. RANDOLPH STREET SUITE 3400 CHICAGO IL 60601 (312) 212-8079 Johnson Pamela D. Officer Class A Fidelity Brokerage Services LLC 900 Salem Street Smithfield RI 02917 5497 61621.37 28357891 10/02/2025 NYSE Class A 10/01/2024 Restricted Stock Vesting Issuer N 5497 10/01/2024 Compensation N Pamela Johnson 130 E. Randolph Street Suite 340

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 29, 2025 OppFi Inc. (Ex

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 29, 2025 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numb

OppFi Announces Increase to Share Repurchase Program Authorization Permits Company to Purchase an Additional $20 Million of Class A Common Stock CHICAGO, August 26, 2025— OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a tech-enabled digital fina

oppfi-expandedxsharexrep OppFi Announces Increase to Share Repurchase Program Authorization Permits Company to Purchase an Additional $20 Million of Class A Common Stock CHICAGO, August 26, 2025— OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 26, 2025 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 26, 2025 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Supplemental Warrant Information August 2025 Disclaimer This supplemental information presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived f

oppfi-warrantxsupplement Supplemental Warrant Information August 2025 Disclaimer This supplemental information presentation (the “Presentation”) of OppFi Inc.

OppFi Publishes Supplemental Information Regarding its Warrants CHICAGO, August 21, 2025— OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a tech-enabled digital finance platform that partners with banks to offer financial products and services to

warrant-disclosurexrelea OppFi Publishes Supplemental Information Regarding its Warrants CHICAGO, August 21, 2025— OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 21, 2025 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 21, 2025 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Form of 2025 OppFi Inc. Employee Restricted Stock Unit Agreement.

Exhibit 10.2 OPPFI INC. RESTRICTED STOCK UNITS AGREEMENT (For U.S. Participants) OppFi Inc. has granted to the Participant named in the Notice of Grant of Restricted Stock Units (the “Grant Notice”) to which this Restricted Stock Units Agreement (the “Agreement”) is attached an Award consisting of Restricted Stock Units (each a “Unit”) subject to the terms and conditions set forth in the Grant Not

OppFi Inc. Director Deferred Compensation Plan, dated June 9, 2025.

Exhibit 10.1 OPPFI INC. DIRECTOR DEFERRED COMPENSATION PLAN ESTABLISHMENT AND PURPOSE This OppFi Inc. Director Deferred Compensation Plan, as such plan may be amended from time to time (this “Plan”), is hereby established effective as of June 9, 2025. The purpose of this Plan is to promote the interests of OppFi Inc., a Delaware corporation (the “Company”), by giving each Director (as defined belo

Form of 2025 OppFi Inc. Non-Employee Director Restricted Stock Unit Agreement.

Exhibit 10.3 OPPFI INC. RESTRICTED STOCK UNITS AGREEMENT (For U.S. Participants) OppFi Inc. has granted to the Participant named in the Notice of Grant of Restricted Stock Units (the “Grant Notice”) to which this Restricted Stock Units Agreement (the “Agreement”) is attached an Award consisting of Restricted Stock Units (each a “Unit”) subject to the terms and conditions set forth in the Grant Not

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): August 6, 2025 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): August 6, 2025 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Q2 2025 Earnings Presentation August 6, 2025 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third partie

a2025q2earningspresentat Q2 2025 Earnings Presentation August 6, 2025 This presentation (the “Presentation”) of OppFi Inc.

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 10, 2025 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

Amendment No. 5 to Revolving Credit Agreement, dated January 24, 2025, by and among Opportunity Financial, LLC, Opportunity Funding SPE IX, LLC, the other credit parties and guarantors thereto, UMB Bank, N.A., as administrative agent and collateral agent, Randolph Receivables LLC, as Castlelake Representative, and the lenders party thereto.

Exhibit 10.2 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. Execution Version AMENDMENT NO. 5 TO REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 5 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of January 24, 2025

Second Amended and Restated Revolving Credit Agreement, dated February 13, 2025, by and among Opportunity Financial, LLC, Opportunity Funding SPE V LLC, OppWin, LLC, OppWin BPI, LLC, the Lenders party thereto, and Midtown Madison Management LLC

Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. Execution Version SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT dated as of February 13, 2025 among OPPORTUNITY FUNDING SPE V, LLC, as the Borrower OPPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc.

As filed with the U.S. Securities and Exchange Commission on May 8, 2025.

As filed with the U.S. Securities and Exchange Commission on May 8, 2025. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of Incorporation or organization) 6199 (Primary Standard Indust

Filing Fee Table

Exhibit 107.1 CALCULATION OF FILING FEE TABLES Form S-8 (Form Type) OppFi Inc. (Exact Name of registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price per Share (2) Maximum Aggregate Offering Price (2) Fee Rate Amount of Registration Fee Equity Class A common stock, $0.

Amendment No. 1 to Second Amended and Restated Revolving Credit Agreement, dated February 24, 2025, by and among Opportunity Financial, LLC, Opportunity Funding SPE V LLC, OppWin, LLC, OppWin BPI, LLC, the Lenders party thereto, and Midtown Madison Management LLC.

Exhibit 10.3 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. Execution Version AMENDMENT NO. 1 TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 1 TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AG

Q1 2025 Earnings Presentation May 7, 2025 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties.

Q1 2025 Earnings Presentation May 7, 2025 This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): May 7, 2025 OppFi Inc. (Exact Nam

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): May 7, 2025 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (IR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

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UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM10-K (MarkOne) ☒ ANNUALREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF1934 ForthefiscalyearendedDecember31,2024 OR ☐ TRANSITIONREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF 1934 Forthetransitionperiodfromto CommissionFileNumber001-39550 OppFiInc. (Exactnameofregistrantasspecifiedinitscharter) Delaware

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2025 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2025 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Subsidiaries of OppFi Inc

Exhibit 21.1 Subsidiaries of OppFi Inc. The following is a list of OppFi Inc. subsidiaries as of December 31, 2024: Subsidiary Jurisdiction of Incorporation Opportunity Financial, LLC Delaware Opportunity Funding SPE II, LLC Delaware Opportunity Funding SPE III, LLC Delaware Opportunity Funding SPE IV, LLC Delaware Opportunity Funding SPE V, LLC Delaware Opportunity Funding SPE VI, LLC Delaware Op

Insider Trading Policy

Exhibit 19.1 INSIDER TRADING POLICY As adopted by the Board of Directors as of March 4, 2025 4893-3148-4042 Table of Contents Page Section 1. All Employees, Officers, Directors and their Family Members and Affiliates Are Subject to this Policy 1 Section 2. Trading in OppFi Securities While in Possession of Material Nonpublic Information is Prohibited 1 Section 3. Trading Window 1 Section 4. Tradin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc. (Exac

Q4 2024 Earnings Presentation March 5, 2025 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by

oppfiq42024earningsprese Q4 2024 Earnings Presentation March 5, 2025 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): March 4, 2025 OppFi Inc. (Exact N

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): March 4, 2025 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 13, 2025 OppFi Inc. (Exa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 13, 2025 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numbe

Proprietary and Confidential OppFi Upsizes Revolving Credit Facility with Affiliates of Blue Owl Capital to $300 Million CHICAGO – February 18, 2025 – OppFi Inc. (NYSE:OPFI) (“ OppFi ” or the “Company”), a tech-enabled, mission-driven specialty finan

Proprietary and Confidential OppFi Upsizes Revolving Credit Facility with Affiliates of Blue Owl Capital to $300 Million CHICAGO – February 18, 2025 – OppFi Inc.

OPFI / OppFi Inc. / LMR Partners LLP Passive Investment

SC 13G/A 1 formsc13ga-oppfi.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* OppFi Inc. (Name of Issuer) Class A Common Stock, $0.0001 par value per share (Title of Class of Securities) 68386H103 (CUSIP Number) September 30, 2024 (Date of event which requires filing of this statement) Check the app

OPFI / OppFi Inc. / BlackRock, Inc. Passive Investment

us68386h1032110824.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) OPPFI INC CLASS A - (Name of Issuer) Common Stock - (Title of Class of Securities) 68386H103 - (CUSIP Number) September 30, 2024 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

and Amendment to Security Agreement, dated September 13, 2024, by and among Opportunity Financial, LLC, the other credit parties and guarantors thereto, Midtown Madison Management LLC, and the lenders party thereto.

Exhibit 10.3 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. TWELFTH AMENDMENT TO LOAN AGREEMENT AND AMENDMENT TO SECURITY AGREEMENT THIS TWELFTH AMENDMENT TO LOAN AGREEMENT AND AMENDMENT TO SECURITY AGREEMENT (this “Agreeme

Amendment No. 4 to Revolving Credit Agreement, dated September 26, 2024, by and among Opportunity Financial, LLC, Opportunity Funding SPE IX, LLC, the other credit parties and guarantors thereto, UMB Bank, N.A., as administrative agent and collateral agent, Randolph Receivables LLC, as Castlelake Representative, and the lenders party thereto (incorporated by reference to Exhibit 10.4 of the Company’s Quarterly Report on Form 10-Q for the period ended September 30, 2024).

Exhibit 10.4 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of September 26, 2024 (the “Closing D

Amendment No. 3 to Revolving Credit Agreement, dated July 17, 2024, by and among Opportunity Financial, LLC, Opportunity Funding SPE IX, LLC, the other credit parties and guarantors thereto, UMB Bank, N.A., as administrative agent and collateral agent, Randolph Receivables LLC, as Castlelake Representative, and the lenders party thereto (incorporated by reference to Exhibit 10.1 of the Company’s Quarterly Report on Form 10-Q for the period ended September 30, 2024).

Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 3 TO REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 3 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of July 17, 2024 (the “Closing Date”)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): November 7, 2024 OppFi Inc. (Exac

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): November 7, 2024 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

OppFi Reports Record Third Quarter Net Income and Revenue, Raises Full-Year Earnings Outlook Net income increased 106.4% year over year to $32.1 million, a Company record for any quarter Adjusted net income1 increased 116.2% year over year to $28.8 m

opfi-20240930earningsrel OppFi Reports Record Third Quarter Net Income and Revenue, Raises Full-Year Earnings Outlook Net income increased 106.

Q3 2024 Earnings Presentation November 7, 2024 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared

oppfiq32024earningsprese Q3 2024 Earnings Presentation November 7, 2024 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc.

OPFI / OppFi Inc. / BlackRock, Inc. Passive Investment

SC 13G 1 us68386h1032102424.txt us68386h1032102424.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) OPPFI INC CLASS A - (Name of Issuer) Common Stock - (Title of Class of Securities) 68386H103 - (CUSIP Number) September 30, 2024 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported): September 13, 2024 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numb

Investor Presentation September 2024 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third p

Investor Presentation September 2024 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc.

Fourth Amendment to Amended and Restated Revolving Credit Agreement, dated June 12, 2024, by and among Opportunity Financial, LLC, Opportunity Funding SPE V LLC, OppWin, LLC, the other credit parties and guarantors party thereto, the Lenders party thereto, and Midtown Madison Management LLC.

Exhibit 10.4 AMENDMENT NO. 4 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 4 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of June 12, 2024 (the “Effective Date”) to that certain Amended and Restated Revolving Credit Agreement, dated as of July 19, 2023 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “

Third Amendment to Amended and Restated Revolving Credit Agreement, dated April 16, 2024, by and among Opportunity Financial, LLC, Opportunity Funding SPE V LLC, OppWin, LLC, the other credit parties and guarantors party thereto, the Lenders party thereto, and Midtown Madison Management LLC.

Exhibit 10.2 AMENDMENT NO. 3 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 3 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of April 16, 2024 (the “Effective Date”) to that certain Amended and Restated Revolving Credit Agreement, dated as of July 19, 2023 (as amended, restated supplemented or otherwise modified prior to the date hereof, the

Eleventh Amendment to Senior Secured Multi-Draw Term Loan Facility, dated May 30, 2024, by and among Opportunity Financial, LLC, the other credit parties party thereto, the Lenders party thereto, and Midtown Madison Management LLC.

Exhibit 10.1 ELEVENTH AMENDMENT TO LOAN AGREEMENT THIS ELEVENTH AMENDMENT TO LOAN AGREEMENT (this “Agreement”) is made and entered into as of May 30, 2024 (the “Effective Date”), by and among OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company (the “Borrower”), the Lenders party hereto, and MIDTOWN MADISON MANAGEMENT LLC, a Delaware limited liability company (the “Administrative Agent

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc. (

As filed with the U.S. Securities and Exchange Commission on August 8, 2024.

As filed with the U.S. Securities and Exchange Commission on August 8, 2024. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of Incorporation or organization) 6199 (Primary Standard Ind

Amendment No. 2 to Revolving Credit Agreement, dated April 24, 2024, by and among Opportunity Financial, LLC, Opportunity Funding SPE IX, LLC, the other credit parties and guarantors thereto, UMB Bank, N.A., as administrative agent and collateral agent, Randolph Receivables LLC, as Castlelake Representative, and the lenders party thereto.

Exhibit 10.3 AMENDMENT NO. 2 TO REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 2 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of April 24, 2024 (the “Closing Date”) to that certain Revolving Credit Agreement, dated as of December 14, 2022, (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendmen

Filing Fee Table

EX-FILING FEES 2 ex-1071filingfeetable20240.htm EX-FILING FEES Exhibit 107.1 CALCULATION OF FILING FEE TABLES Form S-8 (Form Type) OppFi Inc. (Exact Name of registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price per Share (2) Maximum Aggregate Offering Price (2) Fee R

Q2 2024 Earnings Presentation August 7, 2024 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of Opp

oppfiq2-24earningspresen Q2 2024 Earnings Presentation August 7, 2024 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 7, 2024 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 7, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

OppFi Reports Record Second Quarter Profitability and Revenue, Raises Full-Year Earnings Outlook By More Than 20% Net income increased 53.1% year over year to $27.7 million, a Company record for a second quarter Adjusted net income increased 56.2% ye

opfi-20240630earningsrel OppFi Reports Record Second Quarter Profitability and Revenue, Raises Full-Year Earnings Outlook By More Than 20% Net income increased 53.

Joinder and Lock-Up Agreement, dated as of July 31, 2024, by and among OppFi Inc., Opportunity Financial, LLC and Blaze Capital Fund 5, LLC

Exhibit 10.2 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. Execution Version JOINDER AND LOCK-UP AGREEMENT This Joinder and Lock-up Agreement (this “Agreement”) is made and entered into as of July 31, 2024 by and among Bla

Bitty Transaction Overview August 2024 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third

Bitty Transaction Overview August 2024 Disclaimer 2 This presentation (the “Presentation”) of OppFi Inc.

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 31, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

1, 2024, by and among Opportunity Financial, LLC, Opportunity Financial SMB, LLC, Blaze Capital Funding 5, LLC, and the seller principals party thereto (incorporated by reference to Exhibit 10.1 of the Company’s Current Report on Form 8-K (File No. 001-39550) filed with the SEC on August 1, 2024).

Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. Execution Version SECURITIES PURCHASE AGREEMENT BY AND AMONG OPPORTUNITY FINANCIAL, LLC, OPPORTUNITY FINANCIAL SMB, LLC, BLAZE CAPITAL FUNDING 5, LLC, AND THE SELL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 21, 2024 OppFi Inc. (Exact n

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 21, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

OPFI / OppFi Inc. / Schwartz Todd G. - SC 13D/A Activist Investment

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* OppFi Inc. (Name of Issuer) Class A Common Stock, par value $0.0001 per share (Title of Class of Securities) 68386H 103 (CUSIP Number) Todd G. Schwartz c/o OppFi Shares, LLC 130 E. Randolph Street, Suite 3400 Chicago, IL 60601 Copy to: Joshua M.

JOINT FILING AGREEMENT

EX-99.1 2 d870456dex991.htm EX-99.1 Exhibit 1 CUSIP No. 68386H 103 JOINT FILING AGREEMENT This Joint Filing Agreement is by and among Todd G. Schwartz, TGS Revocable Trust, OppFi Shares, LLC, TGS Capital Group, LP, TGS MCS Capital Group LP, Theodore G. Schwartz, LTHS Capital Group LP and LTHS Revocable Trust (collectively, the “Filers”). Each of the Filers may be required to file with the Securiti

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 5, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (I

Amendment No. 1 to Revolving Credit Agreement, dated March 19, 2024, by and among Opportunity Financial, LLC, Opportunity Funding SPE IX, LLC, the other credit parties and guarantors thereto, UMB Bank, N.A., as administrative agent and collateral agent, Randolph Receivables LLC, as Castlelake Representative, and the lenders party thereto.

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 8, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (IR

OppFi Exceeds First Quarter 2024 Guidance, Raises Full-Year Earnings Outlook Total revenue increased 5.8% year over year to $127.3 million Net income increased 157.8% year over year to $10.1 million Adjusted net income increased 127.8% year over year

OppFi Exceeds First Quarter 2024 Guidance, Raises Full-Year Earnings Outlook Total revenue increased 5.

Q1 2024 Earnings Presentation May 8, 2024 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of OppFi

oppfiq1-24earningspresen Q1 2024 Earnings Presentation May 8, 2024 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

ARS

April 26, 2024 Dear Fellow Stockholders, In 2023, OppFi achieved its ninth consecutive year of net income, with annual records for total revenue and ending receivables, as well as a rebound in profitability year over year.

Investor Presentation April 2024 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third parti

Investor Presentation April 2024 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 10, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

OppFi Announces $0.12 Per Share Special Dividend, $20 Million Share Repurchase Program CHICAGO, April 9, 2024— OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a tech-enabled, mission-driven specialty finance platform that broadens the reach of co

oppfiannounces012pershar OppFi Announces $0.12 Per Share Special Dividend, $20 Million Share Repurchase Program CHICAGO, April 9, 2024— OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans, today announced that its Board of Directors (the “Board”) has de

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 9, 2024 OppFi Inc. (Exact n

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 9, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

OppFi Inc. Policy on Recoupment of Incentive Compensation

EXHIBIT 97.1 OPPFI INC. POLICY ON RECOUPMENT OF INCENTIVE COMPENSATION Introduction The Board of Directors (the “Board”) of OppFi Inc. (the “Company”) has adopted this Policy on Recoupment of Incentive Compensation (this “Policy”), which provides for the recoupment of compensation in certain circumstances in the event of a restatement of financial results by the Company. This Policy shall be inter

Subsidiaries of OppFi Inc

Exhibit 21.1 Subsidiaries of OppFi Inc. The following is a list of OppFi Inc. subsidiaries as of December 31, 2023: Subsidiary Jurisdiction of Incorporation Opportunity Financial, LLC Delaware Opportunity Funding SPE II, LLC Delaware Opportunity Funding SPE III, LLC Delaware Opportunity Funding SPE IV, LLC Delaware Opportunity Funding SPE V, LLC Delaware Opportunity Funding SPE VI, LLC Delaware Op

Employment Agreement, dated August 9, 2022, by and between Opportunity Financial, LLC and Ms. Pamela Johnson

EXHIBIT 10.6 EXECUTIVE EMPLOYMENT AGREEMENT This Executive Employment Agreement (the “Agreement”) is entered into this August 9, 2022, by and between Opportunity Financial, LLC, a Delaware limited liability company (the “Company”), and Pamela Johnson (the “Executive”). W I T N E S S E T H: WHEREAS, Executive currently serves as the Chief Financial Officer of the Company; and WHEREAS, the Company a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-39550 OppFi Inc. (Exac

OppFi Inc. Up to 91,914,929 Shares of Class A Common Stock Up to 15,302,259 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 53,491 Warrants

Filed Pursuant to Rule 424(b)(3) Registration No. 333-258698 PROSPECTUS OppFi Inc. Up to 91,914,929 Shares of Class A Common Stock Up to 15,302,259 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 53,491 Warrants This prospectus relates to the offer and sale from time to time by the selling securityholders named in this prospectus (the “Selling Securityholders”) of up to

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 7, 2024 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

Q4 2023 Earnings Presentation March 7, 2024 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of OppF

Q4 2023 Earnings Presentation March 7, 2024 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

OppFi Inc.

OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T 309.208.4933 March 5, 2024 Via Edgar Division of Corporation Finance Office of Finance U.S. Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attn: John Stickel and Christian Windsor Re: OppFi Inc. Post-Effective Amendment No. 4 to Form S-1 on Form S-3 Regist

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OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T 309.208.4933 March 1, 2024 Via Edgar Division of Corporation Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: John Stickel and Christian Windsor Re: OppFi Inc. Post-Effective Amendment No. 4 to Registration

OPFI / OppFi Inc. / Ionic Capital Management LLC - AMENDMENT NO. 1 Passive Investment

SC 13G/A 1 schedule13g.htm AMENDMENT NO. 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)1/ OPPFI INC. (Name of Issuer) Class A Common Stock (Title of Class of Securities) 68386H103 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to de

LETTER

United States securities and exchange commission logo February 14, 2024 Pamela D. Johnson Chief Financial Officer OppFi Inc. 130 E. Randolph Street Suite 3400 Chicago, Illinois 60601 Re: OppFi Inc. Post-Effective Amendment No. 4 to Registration Statement on Form S-3 Correspondence filed February 2, 2024 File No. 333-258698 Dear Pamela D. Johnson: We have reviewed your post-effective amendment and

OPFI.WS / OppFi Inc. - Equity Warrant / Walleye Capital LLC Passive Investment

SC 13G/A 1 walleye-opfi123123a1.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 1)* OppFi Inc (Name of Issuer) Warrants, each whole warrant exercisable for one share of Class A common stock, each at an exercise price of $11.50 per share (Title of Class of Securities) 68386H111 (CUSIP Number) December

OPFI / OppFi Inc. / LMR Partners LLP Passive Investment

SC 13G/A 1 formsc13ga-oppfi.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* OppFi Inc. (Name of Issuer) Class A Common Stock, $0.0001 par value per share (Title of Class of Securities) 68386H103 (CUSIP Number) December 31, 2023 (Date of event which requires filing of this statement) Check the appr

* * * *

OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T 309.208.4933 February 2, 2024 Via Edgar Division of Corporation Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: John Stickel and Christian Windsor Re: OppFi Inc. Post-Effective Amendment No. 4 to Registrati

LETTER

United States securities and exchange commission logo December 18, 2023 Pamela D. Johnson Chief Financial Officer OppFi Inc. 130 E. Randolph Street Suite 3400 Chicago, Illinois 60601 Re: OppFi Inc. Post-Effective Amendment No. 4 to Registration Statement on Form S-3 File December 7, 2023 File No. 333-258698 Dear Pamela D. Johnson: We have reviewed your post-effective amendment and have the followi

As filed with the U.S. Securities and Exchange Commission on December 7, 2023.

As filed with the U.S. Securities and Exchange Commission on December 7, 2023. Registration No. 333-258698 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 4 TO FORM S-1 ON FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of Inc

* * * *

OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T 309.208.4933 December 7, 2023 Via Edgar Division of Corporation Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: John Stickel and Christian Windsor Re: OppFi Inc. Post-Effective Amendment No. 3 to Registrati

Investor Presentation December 2023 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third pa

Investor Presentation December 2023 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 6, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 9, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number

Q3 2023 Earnings Presentation November 9, 2023 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of O

oppfiq3-23earningspresen Q3 2023 Earnings Presentation November 9, 2023 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

LETTER

United States securities and exchange commission logo October 30, 2023 Pamela D. Johnson Chief Financial Officer OppFi Inc. 130 E. Randolph Street Suite 3400 Chicago, Illinois 60601 Re: OppFi Inc. Post-Effective Amendment No. 3 to Registration Statement on On Form S-3 File October 11, 2023 File No. 333-258698 Dear Pamela D. Johnson: We have reviewed your post-effective amendment and have the follo

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 18, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

Investor Presentation October 2023 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third par

Investor Presentation October 2023 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

As filed with the U.S. Securities and Exchange Commission on October 10, 2023.

As filed with the U.S. Securities and Exchange Commission on October 10, 2023. Registration No. 333-258698 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 3 TO FORM S-1 ON FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of Inc

Filing Fee Table.

Exhibit 107.1 CALCULATION OF FILING FEE TABLES (1)(2) POST-EFFECTIVE AMENDMENT NO. 3 TO FORM S-1 ON FORM S-3 (Form Type) OppFi Inc. (Exact Name of registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered (3) Proposed Maximum Offering Price per Unit Maximum Aggregate Offe

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 11, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numb

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 9, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Q2 2023 Earnings Presentation August 9, 2023 A Mission-Driven Fintech Platform that Helps Everyday Americans Gain Access to Credit with Specialty Finance Products 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Comp

oppfiq2-23earningspresen Q2 2023 Earnings Presentation August 9, 2023 A Mission-Driven Fintech Platform that Helps Everyday Americans Gain Access to Credit with Specialty Finance Products 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-

Amended and Restated Revolving Credit Agreement, dated July 19, 2023, by and among Opportunity Financial, LLC, Opportunity Funding SPE V LLC, OppWin, LLC, the Lenders party thereto, and Midtown Madison Management LLC (incorporated by reference to Exhibit 10.1 of the Company’s Quarterly Report on Form 10-Q for the period ended June 30, 2023).

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2023 OppFi Inc. (Exact n

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 7, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (I

Filing Fee Table

Exhibit 107.1 CALCULATION OF FILING FEE TABLES Form S-8 (Form Type) OppFi Inc. (Exact Name of registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price per Share (2) Maximum Aggregate Offering Price (2) Fee Rate Amount of Registration Fee Equity Class A common stock, $0.

As filed with the U.S. Securities and Exchange Commission on May 11, 2023.

As filed with the U.S. Securities and Exchange Commission on May 11, 2023. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of Incorporation or organization) 6199 (Primary Standard Indus

Q1 2023 Earnings Presentation May 11, 2023 A Mission-Driven Fintech Platform that Helps Everyday Americans Gain Access to Credit with Specialty Finance Products 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Compan

oppfiq1-23earningspresen Q1 2023 Earnings Presentation May 11, 2023 A Mission-Driven Fintech Platform that Helps Everyday Americans Gain Access to Credit with Specialty Finance Products 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 11, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

ARS

UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM10-K (MarkOne) ☒ ANNUALREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF1934 ForthefiscalyearendedDecember31,2022 OR ☐ TRA R R NSITIONREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF 1934 Forthetransitionperiodfromto CommissionFileNumber001-39550 OppFiInc. (Exactnameofregistrantasspecifiedinitscharter) Del

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-3955

Subsidiaries of OppFi Inc

Exhibit 21.1 Subsidiaries of OppFi Inc. The following is a list of OppFi Inc. subsidiaries as of December 31, 2022: Subsidiary Jurisdiction of Incorporation Opportunity Financial, LLC Delaware Opportunity Funding SPE II, LLC Delaware Opportunity Funding SPE III, LLC Delaware Opportunity Funding SPE IV, LLC Delaware Opportunity Funding SPE V, LLC Delaware Opportunity Funding SPE VI, LLC Delaware Op

Revolving Credit Agreement, dated December 14, 2022, by and among Opportunity Financial, LLC, Opportunity Funding SPE IX, LLC, the other credit parties and guarantors thereto, UMB Bank, N.A., as administrative agent and collateral agent, Randolph Receivables LLC, as Castlelake Representative, and the lenders party thereto (incorporated by reference to Exhibit 10.5 of the Company’s Annual Report on Form 10-K for the year ended December 31, 2022).

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 23, 2023 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 23, 2023 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Q4 2022 Earnings Presentation March 23, 2023 A Mission-Driven Fintech Platform that Helps Everyday Americans Gain Access to Credit with Specialty Finance Products 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Comp

oppfiq4-22earningspresen Q4 2022 Earnings Presentation March 23, 2023 A Mission-Driven Fintech Platform that Helps Everyday Americans Gain Access to Credit with Specialty Finance Products 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

LETTER

United States securities and exchange commission logo March 22, 2023 Pamela Johnson Chief Financial Officer OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A Amendment No. 2

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A Amendment No. 2 (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Comm

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No. 2

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No. 2 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission Fi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A Amendment No. 1

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A Amendment No. 1 (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commissi

OPFI / OppFi Inc. / Walleye Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

OPFI / OppFi Inc. / LMR Partners LLP - SC 13G/A Passive Investment

SC 13G/A 1 d451683dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* OppFi Inc. (Name of Issuer) Class A Common Stock, $0.0001 par value per share (Title of Class of Securities) 68386H103 (CUSIP Number) December 31, 2022 (Date of event which requires filing of this statement) Check t

JOINT FILING AGREEMENT PURSUANT TO RULE 13d-1(k)

EX-99.1 2 d451683dex991.htm EX-99.1 EXHIBIT 99.1 JOINT FILING AGREEMENT PURSUANT TO RULE 13d-1(k) The undersigned acknowledge and agree that the foregoing statement on Schedule 13G is filed on behalf of each of the undersigned and that all subsequent amendments to this statement on Schedule 13G shall be filed on behalf of each of the undersigned without the necessity of filing additional joint fil

OPFI / OppFi Inc. / Ionic Capital Management LLC Passive Investment

SC 13G 1 schedule13g.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )1/ OPPFI INC. (Name of Issuer) Class A Common Stock (Title of Class of Securities) 68386H103 (CUSIP Number) December 31, 2022 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pu

OPFI / OppFi Inc. / Linden Capital L.P. - SC 13G/A Passive Investment

SC 13G/A 1 d567856dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* OppFi Inc. (Name of Issuer) Class A common stock, par value $0.0001 per share (Title of Class of Securities) 68386H103 (CUSIP Number) December 31, 2022 (Date of Event which Requires Filing of this Statement) Check t

OppFi Closes $150 Million Credit Facility CHICAGO – December 20, 2022 – OppFi Inc. (NYSE:OPFI) (“OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today announced

oppficloses150millioncre OppFi Closes $150 Million Credit Facility CHICAGO – December 20, 2022 – OppFi Inc.

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Termination of a Material Definitive Agreement, Financial Statements and Exhibits, Triggering Events That Accelerate or Increase a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 14, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numbe

* * * *

OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T 309.208.4933 December 16, 2022 Via Edgar Division of Corporation Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: William Schroeder and Michael Volley Re: OppFi Inc. Form 10-K filed March 11, 2022 File No. 0

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 6, 2022 OppFi Inc. (Exac

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 6, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

LETTER

United States securities and exchange commission logo December 1, 2022 Pamela Johnson Chief Financial Officer OppFi Inc.

OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants

Filed Pursuant to Rule 424(b)(3) Registration No. 333-258698 PROSPECTUS SUPPLEMENT NO. 2 (to prospectus dated May 16, 2022) OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants This prospectus supplement is being filed to update and supplement the information contained in the pros

Amendment No. 8 to Revolving Credit Agreement, dated September 1, 2022, by and among Opportunity Financial, LLC, Opportunity Funding SPE IV, LLC, OppWin, LLC, SalaryTap, LLC, SalaryTap Funding SPE, LLC, the other parties thereto and BMO Harris Bank N.A.

Exhibit 10.2 EXECUTION VERSION [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 8 TO REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 8 TO REVOLVING CREDIT AGREEMENT (this ?Amendment?), dated as of September 1, 202

Amendment No. 6 to Amended and Restated Revolving Credit Agreement, dated August 15, 2022, by and among Opportunity Financial, LLC, Opportunity Funding SPE III, LLC, OppWin, LLC, OppFi Management Holdings, LLC, Opportunity Financial Card Company, LLC, the Lenders party thereto, and Ares Agent Services, L.P.

Exhibit 10.1 Execution Version [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 6 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 6 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number

Q3 2022 Earnings Presentation November 9, 2022 A Leading FinTech Platform for the Everyday Consumer 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information con

oppfiq3-22earningspresen Q3 2022 Earnings Presentation November 9, 2022 A Leading FinTech Platform for the Everyday Consumer 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 9, 2022 OppFi Inc. (Exac

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 9, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 25, 2022 OppFi Inc. (Exac

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 25, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

Investor Presentation October 2022 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third par

opfiinvestorpresentation Investor Presentation October 2022 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

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CORRESP 1 filename1.htm OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T 309.208.4933 October 11, 2022 Via Edgar Division of Corporation Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: William Schroeder and Michael Volley Re: OppFi Inc. Form 10-K filed Ma

LETTER

United States securities and exchange commission logo September 28, 2022 Pamela Johnson Chief Financial Officer OppFi Inc.

* * * *

CORRESP 1 filename1.htm OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T 309.208.4933 August 19, 2022 Via Edgar Division of Corporation Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: William Schroeder and Michael Volley Re: OppFi Inc. Form 10-K filed Mar

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 17, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Investor Presentation August 2022 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third part

opfiinvestorpresentation Investor Presentation August 2022 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 9, 2022 OppFi Inc. (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 9, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants

Filed Pursuant to Rule 424(b)(3) Registration No. 333-258698 PROSPECTUS SUPPLEMENT NO. 1 (to prospectus dated May 16, 2022) OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants This prospectus supplement is being filed to update and supplement the information contained in the pros

Q2 2022 Earnings Presentation August 9, 2022 A Leading FinTech Platform for the Everyday Consumer 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information conta

oppfi2q-22earningspresen Q2 2022 Earnings Presentation August 9, 2022 A Leading FinTech Platform for the Everyday Consumer 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc.

OppFi Inc. (NYSE:OPFI) Q2 2022 Earnings Conference Call August 9, 2022 4:30 PM ET Company Participants Shaun Smolarz - Head, Investor Relations Todd Schwartz - Chief Executive Officer and Executive Chairman Pam Johnson - Chief Financial Officer Confe

opfiq22022conferencecall OppFi Inc. (NYSE:OPFI) Q2 2022 Earnings Conference Call August 9, 2022 4:30 PM ET Company Participants Shaun Smolarz - Head, Investor Relations Todd Schwartz - Chief Executive Officer and Executive Chairman Pam Johnson - Chief Financial Officer Conference Call Participants David Scharf - JMP Securities Chris Brendler - D.A. Davidson Operator Good afternoon and welcome to O

Amendment No. 5 to Amended and Restated Revolving Credit Agreement, dated July 11, 2022, by and among Opportunity Financial, LLC, Opportunity Funding SPE III, LLC, OppWin, LLC, the Lenders party thereto, and Ares Agent Services, L.P.

Exhibit 10.4 Execution Version [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 5 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 5 TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): July 20, 2022 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

LETTER

United States securities and exchange commission logo July 21, 2022 Pamela Johnson Chief Financial Officer OppFi Inc.

* * * *

CORRESP 1 filename1.htm OppFi Inc. 130 East Randolph Street, Suite 3400 Chicago, IL 60601 www.oppfi.com Pamela Johnson [email protected] T309.208.4933 July 15, 2022 Via Edgar Division of Corporation Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: William Schroeder and Michael Volley Re: OppFi Inc. Form 10-K filed March

LETTER

United States securities and exchange commission logo June 28, 2022 Pamela Johnson Chief Financial Officer OppFi Inc.

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Termination of a Material Definitive Agreement, Financial Statements and Exhibits, Triggering Events That Accelerate or Increase a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): June 14, 2022 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

OppFi Upsizes Credit Facility with Affiliates of Atalaya Capital Management to $200 Million

Exhibit 99.1 OppFi Upsizes Credit Facility with Affiliates of Atalaya Capital Management to $200 Million CHICAGO, June 21, 2022? OppFi Inc. (NYSE: OPFI) (?OppFi? or the ?Company?), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today announced the Company has more than doubled one of its existing credit facilities with affiliates of A

Amendment No. 7 to Revolving Credit Agreement and other Credit Documents, dated June 14, 2022, by and among Opportunity Financial, LLC, Opportunity Funding SPE V LLC, Opportunity Funding SPE VII, the other parties thereto and Midtown Madison Management LLC (

Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 7 TO REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 7 TO REVOLVING CREDIT AGREEMENT (this ?Amendment?), dated as of June 14, 2022 (the ?Effective Date

OppFi Inc. 2021 Equity Incentive Plan, as amended (incorporated by reference to Annex A to the Company’s Definitive Proxy Statement on Schedule 14A, filed with the SEC on June 9, 2022).

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Stateme

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential,

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 23, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (I

Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties. While such information is belie

Investor Presentation May 2022 Exhibit 99.1 Disclaimer This presentation (the ?Presentation?) of OppFi Inc. (?OppFi? or the ?Company?) is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties. While such information is believed to be reliable for the purposes used herein, the Company makes no representation or warranty with resp

OppFi Inc. Up to 100,918,138 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants

Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-258698 OppFi Inc. Up to 100,918,138 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants This prospectus relates to the offer and sale from time to time by the selling securityholders named in this prospectus (the ?Selling Securityholders

As filed with the U.S. Securities and Exchange Commission on May 13, 2022.

Table of Contents As filed with the U.S. Securities and Exchange Commission on May 13, 2022. Registration No. 333-258698 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 2 TO FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of I

Amendment No. 7 to Revolving Credit Agreement, dated March 31, 2022, by and among Opportunity Financial, LLC, Opportunity Funding SPE IV, LLC, OppWin, LLC, SalaryTap, LLC, SalaryTap Funding SPE, LLC, the other parties thereto and BMO Harris Bank N.A.

Exhibit 10.3 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 7 TO REVOLVING CREDIT AGREEMENT THIS AMENDMENT NO. 7 TO REVOLVING CREDIT AGREEMENT (this ?Amendment?), dated as of March 31, 2022 (the ?Seventh Amend

Ninth Amendment to Senior Secured Multi-Draw Term Loan Facility dated April 1, 2022, by and among Opportunity Financial, LLC, the other credit party thereto, the Lenders party thereto, and Midtown Madison Management LLC.

Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. NINTH AMENDMENT TO LOAN AGREEMENT THIS NINTH AMENDMENT TO LOAN AGREEMENT (this ?Agreement?) is made and entered into as of April 1, 2022 (the ?Effective Date?), by

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001

Q1 2022 Earnings Presentation May 5, 2022 A Leading FinTech Platform for the Everyday Consumer 1 Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information containe

Q1 2022 Earnings Presentation May 5, 2022 A Leading FinTech Platform for the Everyday Consumer 1 Disclaimer This presentation (the ?Presentation?) of OppFi Inc.

OppFi Reports First Quarter 2022 Financial Results Revenue increased 20% year over year to $100.7 million for the first quarter of 2022 Net Originations increased 63% year over year to $162.8 million for the first quarter of 2022 Ending Receivables i

OppFi Reports First Quarter 2022 Financial Results Revenue increased 20% year over year to $100.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 5, 2022 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (IR

As filed with the U.S. Securities and Exchange Commission on May 3, 2022.

Table of Contents As filed with the U.S. Securities and Exchange Commission on May 3, 2022. Registration No. 333-258698 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OppFi Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No. 1

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No. 1 (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission Fi

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): April 15, 2022 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

Form of Total Return Swap Confirmation, dated April 15, 2022 (Incorporated by reference to Exhibit 10.1 of the Company’s Current Report on Form 8-K filed with the SEC on April 21, 2022). ++

Exhibit 10.1 April 15, 2022 To: Opportunity Financial, LLC Attention: Email: From: Facsimile: TOTAL RETURN SWAP CONFIRMATION The purpose of this letter (this ?Confirmation?) is to confirm the terms and conditions of the Swap Transaction entered into between [PARTY A] (?Party A?) and Opportunity Financial, LLC (?Party B?) on the Trade Date specified below (the ?Transaction?). This Confirmation cons

OPFI / OppFi Inc. / LMR Partners LLP Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* OppFi Inc. (Name of Issuer) Class A Common Stock, $0.0001 par value per share (Title of Class of Securities) 68386H103 (CUSIP Number) April 7, 2022 (Date of event which requires filing of this statement) Check the appropriate box to designate the rule pur

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): March 25, 2022 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

OppFi Appoints Pamela Johnson as Chief Financial Officer

Exhibit 99.1 OppFi Appoints Pamela Johnson as Chief Financial Officer CHICAGO, March 25, 2022? OppFi Inc. (NYSE: OPFI) (?OppFi? or the ?Company?), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today announced the appointment of Ms. Pamela (?Pam?) Johnson as the Company?s Chief Financial Officer. Johnson joined OppFi as Chief Accounti

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 001-3955

Subsidiaries of OppFi Inc

Exhibit 21.1 Subsidiaries of OppFi Inc. The following is a list of OppFi Inc. subsidiaries as of December 31, 2021: Subsidiary Jurisdiction of Incorporation Opportunity Financial, LLC Delaware Opportunity Funding SPE II, LLC Delaware Opportunity Funding SPE III, LLC Delaware Opportunity Funding SPE IV, LLC Delaware Opportunity Funding SPE V, LLC Delaware Opportunity Funding SPE VI, LLC Delaware Op

Description of Securities

Exhibit 4.3 OPPFI INC. DESCRIPTION OF SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED AS OF DECEMBER 31, 2021 As of December 31, 2021, OppFi Inc. (?we,? ?our,? ?us? or the ?Company?) had the following two classes of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended (the ?Exchange Act?): (i) Class A common stock

Regulation FD Disclosure, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): March 7, 2022 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number) (

OppFi Files Complaint for Declaratory and Injunctive Relief Against the Commissioner of the California Department of Financial Protection and Innovation

Exhibit 99.1 OppFi Files Complaint for Declaratory and Injunctive Relief Against the Commissioner of the California Department of Financial Protection and Innovation CHICAGO ? March 8, 2022 - OppFi Inc. (?OppFi? or the ?Company?) (NYSE: OPFI), a leading financial technology platform that helps everyday consumers gain access to credit, today announced it has filed a Complaint for Declaratory and In

Employment Agreement, dated February 28, 2022, by and between Opportunity Financial, LLC and Mr. Shiven Shah.

Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. EXECUTIVE EMPLOYMENT AGREEMENT This Executive Employment Agreement (the ?Agreement?) is entered into this February 28, 2022 (?Effective Date?), by and between Oppo

OppFi Board of Directors Appoints Founder and Executive Chairman Todd Schwartz as Chief Executive Officer Schwartz to Execute New Strategic Vision for the Company Company Reaffirms 2021 Revenue and Adjusted Net Income Outlook and Provides Additional

Exhibit 99.1 OppFi Board of Directors Appoints Founder and Executive Chairman Todd Schwartz as Chief Executive Officer Schwartz to Execute New Strategic Vision for the Company Company Reaffirms 2021 Revenue and Adjusted Net Income Outlook and Provides Additional 2021 Financial Outlook CHICAGO?February 28, 2022 ? OppFi Inc. (NYSE: OPFI) (?OppFi?), a leading financial technology platform that helps

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): February 23, 2022 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numbe

OPFI / OppFi Inc. / GILDER GAGNON HOWE & CO LLC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (RULE 13d - 102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO 13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2 (Amendment No. 1)* OppFi Inc. (Name of Issuer) Class A Common Stock, $0.0001 par value per share (Title of Class of Securities) 68386H103 (CUSIP Number) December 31, 2021 (Date of Even

OPFI / OppFi Inc. / GLAZER CAPITAL, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 OppFi Inc. formerly known as FG New America Acquisition Corp. (Name of Issuer) Class A common stock, par value $0.0001 per share (Title of Class of Securities) 30259V106 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the ap

OPFI / OppFi Inc. / CORSAIR CAPITAL MANAGEMENT, L.P. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* FG New America Acquisition Corp. (Name of Issuer) Class A Common Stock, par value $0.0001 per share (Title of Class of Securities) 30259V106 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box

OPFI / OppFi Inc. / Linden Capital L.P. - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* OppFi Inc. (Name of Issuer) Class A common stock, par value $0.0001 per share (Title of Class of Securities) 68386H103 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designat

Regulation FD Disclosure, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): January 6, 2022 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number)

OppFi Announces Share Repurchase Program Authorization permits the Company to purchase up to $20 million of Class A common stock

Exhibit 99.1 OppFi Announces Share Repurchase Program Authorization permits the Company to purchase up to $20 million of Class A common stock CHICAGO, January 6, 2022 ? OppFi Inc. (?OppFi? or the ?Company?) (NYSE: OPFI), a leading financial technology platform that powers banks to help everyday consumers gain access to credit, announced today that its Board of Directors has authorized a share repu

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): December 20, 2021 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numbe

As Part of OppFi’s Next Phase, Neville Crawley Will Succeed Jared Kaplan as OppFi CEO Former CEO of Kiva, Crawley brings deep experience and expertise in fintech, technology and serving financially excluded populations Crawley to lead OppFi in its ne

Exhibit 99.1 As Part of OppFi?s Next Phase, Neville Crawley Will Succeed Jared Kaplan as OppFi CEO Former CEO of Kiva, Crawley brings deep experience and expertise in fintech, technology and serving financially excluded populations Crawley to lead OppFi in its next chapter of growth and planned expansion of the platform for millions of everyday consumers who are locked out of the mainstream financ

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): November 18, 2021 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numbe

OPFI / OppFi Inc. / Blackstone Holdings I L.P. - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A Amendment No. 1

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A Amendment No. 1 (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Comm

OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants

Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-258698 PROSPECTUS SUPPLEMENT NO. 2 (to prospectus dated September 27, 2021) OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants This prospectus supplement is being filed to update and supplement the informati

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number

Eighth Amendment to Senior Secured Multi-Draw Term Loan Facility dated November 10, 2021, by and among Opportunity Financial, LLC, the other credit parties party thereto, the Lenders party thereto, and Midtown Madison Management LLC (incorporated by reference to Exhibit 10.2 of the Company’s Quarterly Report on Form 10-Q (File No. 001-39550) filed with the SEC November 15, 2021).

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10).

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. EIGHTH AMENDMENT TO LOAN A

EX-10.2 3 eighthamendmenttoloanagree.htm EX-10.2 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. EIGHTH AMENDMENT TO LOAN AGREEMENT THIS EIGHTH AMENDMENT TO LOAN AGREEMENT (this “Agreement”) is made and entered into as of No

Seventh Amendment to Senior Secure Multi-Draw Term Loan Facility, dated November 3, 2021 by and among Opportunity Financial, LLC, the other credit parties party thereto, the Lenders party thereto, and Midtown Madison Management LLC (incorporated by reference to Exhibit 10.1 of the Company’s Quarterly Report on Form 10-Q (File No. 001-39550) filed with the SEC November 15, 2021).

SEVENTH AMENDMENT TO LOAN AGREEMENT THIS SEVENTH AMENDMENT TO LOAN AGREEMENT (this ?Agreement?) is made and entered into as of November 3, 2021 (the ?Effective Date?), by and among OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company (the ?Borrower?), the Lenders party hereto, and MIDTOWN MADISON MANAGEMENT LLC, a Delaware limited liability company (the ?Administrative Agent?).

OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants

Filed Pursuant to Rule 424(b)(3) Registration No. 333-258698 PROSPECTUS SUPPLEMENT NO. 1 (to prospectus dated September 27, 2021) OppFi Inc. Up to 100,964,668 Shares of Class A Common Stock Up to 15,339,464 Shares of Class A Common Stock Issuable Upon Exercise of Warrants and Up to 3,451,964 Warrants This prospectus supplement is being filed to update and supplement the information contained in th

SEVENTH AMENDMENT TO LOAN AGREEMENT

SEVENTH AMENDMENT TO LOAN AGREEMENT THIS SEVENTH AMENDMENT TO LOAN AGREEMENT (this ?Agreement?) is made and entered into as of November 3, 2021 (the ?Effective Date?), by and among OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company (the ?Borrower?), the Lenders party hereto, and MIDTOWN MADISON MANAGEMENT LLC, a Delaware limited liability company (the ?Administrative Agent?).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): November 11, 2021 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numbe

1

Exhibit 99.2 OppFi ? Third Quarter 2021 Earnings Call, November 11, 2021 C O R P O R A T E P A R T I C I P A N T S Jason Rosenthal, Vice President, Finance Jared Kaplan, Chief Executive Officer Shiven Shah, Chief Financial Officer C O N F E R E N C E C A L L P A R T I C I P A N T S David Scharf, JMP Securities Mayank Tandon, Needham & Company Mike Grondahl, Northland Securities Chris Donat, Piper

A Leading FinTech Platform for the Everyday Consumer Q3 2021 Earnings Presentation November 2021

Exhibit 99.3 A Leading FinTech Platform for the Everyday Consumer Q3 2021 Earnings Presentation November 2021 Disclaimer This presentation (the ?Presentation?) of OppFi Inc. (?OppFi? or the ?Company?) is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties. While such information is believed to be reliable for the purposes used

OppFi Reports Third Quarter 2021 Financial Results Revenue up 47% and Adjusted Revenue for the third quarter of 2021 up 25% year over year Net Originations for the third quarter of 2021 up 25% year over year and 14% sequentially to a record $165 mill

Exhibit 99.1 OppFi Reports Third Quarter 2021 Financial Results Revenue up 47% and Adjusted Revenue for the third quarter of 2021 up 25% year over year Net Originations for the third quarter of 2021 up 25% year over year and 14% sequentially to a record $165 million Ending Receivables for the third quarter of 2021 up 22% year over year and 13% sequentially Net Income of $30.4 million for the third

OPFI / OppFi Inc. / Blackstone Holdings I L.P. - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): October 13, 2021 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Number

OppFi Amends $75 Million Credit Facility with Atalaya Capital Management to Support Expansion of OppFi Card OppFi recently launched its first-ever credit card designed to enable the company to serve a segment of the large non-prime credit card market

Exhibit 99.1 OppFi Amends $75 Million Credit Facility with Atalaya Capital Management to Support Expansion of OppFi Card OppFi recently launched its first-ever credit card designed to enable the company to serve a segment of the large non-prime credit card market CHICAGO, October 19, 2021 ? OppFi Inc. (NYSE: OPFI) (?OppFi?), a leading financial technology platform that powers banks to help everyda

Amendment No. 6 to Revolving Credit Agreement and other Credit Documents, dated October 13, 2021, by and among Opportunity Financial, LLC, Opportunity Funding SPE V LLC, Opportunity Funding SPE VII, the other parties thereto and Midtown Madison Management LLC (incorporated by reference to Exhibit 10.1 of the Company’s Current Report on Form 8-K (File No. 001-39550) filed with the SEC on October 19, 2021).

EX-10.1 2 d196346dex101.htm EX-10.1 Exhibit 10.1 [***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. AMENDMENT NO. 6 TO REVOLVING CREDIT AGREEMENT AND OTHER CREDIT DOCUMENTS THIS AMENDMENT NO. 6 TO REVOLVING CREDIT AGREEMENT AND

Letter from Plante & Moran, PLLC to the Securities and Exchange Commission, dated October 5, 2021.

EX-16.1 3 d206710dex161.htm EX-16.1 Exhibit 16.1 October 5, 2021 Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Commissioners: We have read the statements made by OppFi Inc. and are in agreement with the statements contained in Item 4.01 therein, which we understand will be filed with the Securities and Exchange Commission, pursuant to Item 4.01 of Form 8-K of OppFi Inc

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): September 30, 2021 OppFi Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-39550 85-1648122 (State or Other Jurisdiction of Incorporation) (Commission File Numb

OppFi Expands Bank Credit Facility to Support Growth of SalaryTap

Exhibit 99.1 OppFi Expands Bank Credit Facility to Support Growth of SalaryTap CHICAGO, October 5, 2021 ? OppFi Inc. (NYSE: OPFI) (?OppFi?), a leading financial technology platform that powers banks to help everyday consumers gain access to credit, announced today that it has expanded its existing $25 million bank credit facility to $45 million. OppFi plans to use the expanded facility in part to