Standard Premium Finance Holdings Inc · OTC:SPFX
Standard Premium Finance — Investor Presentation (2026)
11 slides from Standard Premium Finance's investor presentation, Sep 9, 2026
Slide 1: Investor Presentation 2026
STANDARD PREMIUM FINANCE HOLDINGS, INC. OTCQX:SPFX INVESTOR PRESENTATION 2026 Presented by: William Koppelmann, CEO Brian Krogol, CPA, CFO www.standardpremium.com Page 01
Slide 2: Who We Are
STANDARD PREMIUM FINANCE HOLDINGS, INC. WHO WE ARE ONLY PUBLICLY 30+ YEARS PERFECTLY TRADED PROFITABILITY POSITIONED Insurance Premium Proven track record 1. Value-driven roll-up Finance Company 2. Premium exit opportunity Page 02
Slide 3: Industry Overview
STANDARD PREMIUM FINANCE HOLDINGS, INC. ANNUAL LOAN VOLUME $60B INDUSTRY Total market loan origination OVERVIEW CAGR GROWTH 10% Consistent industry MARKET DYNAMICS expansion Insurance Premium Finance represents a compelling opportunity in commercial lending, combining high margins with sustainable g
Slide 4: Market Structure
STANDARD PREMIUM FINANCE HOLDINGS, INC. MARKET STRUCTURE 70% Consolidated: Three large finance companies dominate 30% Fragmented: Approximately 1,000 locally SPFX ADVANTAGE: operated firms too small for major consolidators 1.Acquire at discount 2.Exit at premium Page 04
Slide 5: Our Unique Strategic Position
STANDARD PREMIUM FINANCE HOLDINGS, INC. OUR UNIQUE STRATEGIC POSITION VALUE-DRIVEN ROLL-UP PREMIUM EXIT STRATEGY Local finance companies face Mid-sized finance companies are limited exit options. SPFX offers increasingly rare. Industry compelling cash/stock consolidators actively bid at transactions
Slide 6: Financial Snapshot
STANDARD PREMIUM FINANCE HOLDINGS, INC. FINANCIAL SNAPSHOT CAPITILIZATION STRUCTURE $77M 18% $12.5M 6%-8% Private Debt: $12.2M 7% Preferred Equity: $1.6M Common Equity: $6.5M Loan Portfolio Return on Equity Gross Revenue $115M Credit Facility: Total receivables Strong profitability FY 2025 Expanded
Slide 7: Financial Snapshot
STANDARD PREMIUM FINANCE HOLDINGS, INC. FINANCIAL SNAPSHOT CAPITILIZATION STRUCTURE $2.9M $0.37 $5.6M 6%-8% Private Debt: $12.2M 7% Preferred Equity: $1.6M Common Equity: $6.5M Operating Earnings EBIT $115M Credit Facility: Cash Flow Per Share Expanded in 9/25 for growth capacity Positive cash inflo
Slide 8: Imminent Opportunity
STANDARD PREMIUM FINANCE HOLDINGS, INC. IMMINENT OPPORTUNITY NASDAQ UPLISTING Close the Valuation Gap TARGETED FUNDRAISE ACQUISITION Network of independent Use of Funds insurance agents Page 08
Slide 9: Deal Team
STANDARD PREMIUM FINANCE HOLDINGS, INC. DEAL TEAM MANAGEMENT GROWTH STRATEGY COMMITTEE William Koppelmann Brian Krogol, CPA Dr. Scott Howell Christopher Perrucci Chief Executive Officer Chief Financial Officer Director, Audit Committee Director Industry veteran with multi- Expert in SEC reporting, L
Slide 10: Why Invest Now?
STANDARD PREMIUM FINANCE HOLDINGS, INC. NASDAQ Uplisting Pursuing NASDAQ Capital Markets listing to enhance liquidity and institutional access Value Gap WHY INVEST Current stock price significantly undervalues business. SPFX P/E: 5x ⟶ Specialty Finance P/E: 18x-25x NOW? Roll-Up Execution Active pipe
Slide 11: Thank You
STANDARD PREMIUM FINANCE HOLDINGS, INC. THANK YOU Let’s Connect We welcome the opportunity to discuss how SPFX fits into your investment strategy and answer any questions about our business model, growth plans, or investment structure. Contact us today to explore partnership opportunities. www.stand
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