Form 8-K

8-K — Enova International, Inc.

Accession: 0001193125-26-386483

Filed: 2026-09-09

Period: 2026-09-09

CIK: 0001529864

SIC: 6141 (PERSONAL CREDIT INSTITUTIONS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — enva-20260909.htm (Primary)

EX-99.1 (enva-ex99_1.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: enva-20260909.htm · Sequence: 1

8-K

false000152986400015298642026-09-092026-09-09

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 09, 2026

ENOVA INTERNATIONAL, INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware

1-35503

45-3190813

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

175 West Jackson Boulevard

Chicago, Illinois

60604

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: 312 568-4200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Common Stock, $.00001 par value per share

ENVA

New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

The information in this Current Report on Form 8-K, including, without limitation, Exhibit 99.1, is being furnished pursuant to Item 7.01 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed to be incorporated by reference in any filing under the Securities Act or the Exchange Act, except as shall be expressly provided by specific reference in such filing. Furthermore, this report will not be deemed an admission as to the materiality of any information in the report that is required to be disclosed solely by Regulation FD.

Proposed Private Notes Offering

Enova International, Inc. (the “Company”) is furnishing this report to provide information about a proposed private offering of $500,026,000 in aggregate principal amount of Series 2026-1 Fixed Rate Asset-Backed Notes (the “Offered Notes”) by its wholly-owned indirect subsidiary, OnDeck Asset Securitization IV, LLC (the “Issuer”), which will issue the Offered Notes. Collateral for the Offered Notes will consist of, among other things, a revolving pool of small business loans originated or purchased by ODK Capital, LLC, which is a wholly-owned indirect subsidiary of the Company (“OnDeck”). The Offered Notes may be issued in one or more classes. The Issuer will use the net proceeds of the proposed private offering to purchase small business loans from OnDeck that will be pledged as collateral for the Offered Notes. The Company will use the money it receives from the Issuer for general corporate purposes.

The exact terms and timing of the proposed offering will depend upon market conditions and other factors. The Issuer will be the sole obligor of the Offered Notes; the Offered Notes will not be obligations of, or guaranteed by, the Company or OnDeck.

The Offered Notes will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any state securities laws, and may not be offered or sold in the United States absent registration or an applicable exemption from, or a transaction not subject to, the registration requirements of the Securities Act and applicable state securities laws. The Offered Notes are being offered only to qualified institutional buyers under Rule 144A and to persons outside the United States pursuant to Regulation S under the Securities Act.

This Current Report on Form 8-K is not an offer to sell, nor a solicitation of an offer to buy, any securities, nor shall there be any sale of these securities in any state or jurisdiction in which the offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such state or jurisdiction. Any offers of the securities will be made only by means of a private offering memorandum.

Disclosure of Supplemental Information Relating to the Offered Notes

On September 9, 2026, the Company made and intends to make certain of its supplemental historic loan performance and other data (collectively, the “Supplemental Data”) available during informational meetings with qualified third parties that are potential purchasers of the Offered Notes. A copy of the Supplemental Data is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein solely for purposes of this Item 7.01.

By design, the Supplemental Data is different from, and not directly comparable to, the Company’s or OnDeck’s previously published loan performance information. The Supplemental Data includes information for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans, including both on-balance sheet loans and loans sold to investors, that: (i) have an original term of 24 months or less and (ii) a specified minimum loan yield (excluding origination fees) greater than or equal to 10%. The Supplemental Data also includes information for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. lines of credit, including both on-balance sheet loans and loans sold to investors, that: (i) have an original term of 24 months or less and (ii) a specified minimum loan yield (excluding origination fees) greater than or equal to 10%.

In addition, the Supplemental Data sets forth certain historical delinquency data on the basis of “missed payment factor,” as defined on Exhibit 99.1, and not calendar days past due for term loans and lines of credit. The Supplemental Data also sets forth certain historical delinquency data on the basis of cumulative net loss for term loans as well as annualized net loss rate for each of term loan and line of credit. As described in more detail on Exhibit 99.1, the Supplemental Data includes information as of and for the dates and periods shown.

No assurance is given that the Supplemental Data is indicative of the future performance of the Company’s or OnDeck’s existing or future on-balance sheet loans, or loans sold or loans to be sold. The Company undertakes no duty to update the Supplemental Data in the future except as may be required by applicable law. The furnishing of the Supplemental Data is not an admission as to the materiality of all or any portion thereof. The Supplemental Data is not to be viewed in isolation and is intended to be considered in the context of more complete information included in the Company’s filings with the Securities and Exchange Commission (the “SEC”), including its Annual Report on Form 10-K for the year ended December 31, 2025, and other public filings or announcements that the Company has made and may make from time to time with the SEC, by press release or otherwise.

Cautionary Note Regarding Forward-Looking Statements

This Current Report on Form 8-K contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, as amended, and other legal authority. Forward-looking statements can be identified by words such as “proposed,” “will,” “enables,” “expects,” “allows,” “continues,” “believes,” “anticipates,” “estimates” or similar expressions. These include statements regarding the proposed private offering of the Offered Notes, the contemplated size of the proposed offering of the Offered Notes, possible completion of the proposed offering of the Offered Notes and the prospective impact of the proposed offering of the Offered Notes. Forward-looking statements are neither historical facts nor assurances of future performance. They are based only on our current beliefs, expectations and assumptions regarding the future of our business, anticipated events and trends, the economy and other future conditions. As such, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and in many cases outside our control. Therefore, you should not rely on any of these forward-looking statements. Our expected results may not be achieved, and actual results may differ materially from our expectations. There can be no assurance that the proposed offering of the Offered Notes will be completed as currently contemplated or at all. Factors that could cause or contribute to actual results differing from our forward-looking statements include risks relating to: changes in the financial markets, including changes in credit markets, interest rates, securitization markets generally and our proposed private offering in particular, that can impact the willingness of investors to buy the Offered Notes and the prices and interest rates that investors may require; adverse developments regarding the Company, its business or the online or broader marketplace lending industry generally, which could impact demand for or pricing of the Offered Notes; and other risks, including those described under the heading “Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2025, and in other documents that we file with the SEC from time to time, which are or will be available on the SEC’s website at www.sec.gov. Except as required by law, we undertake no duty to update the information in this report.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

The following exhibits are furnished as part of this Report on Form 8-K:

Exhibit No.

Description

99.1

Supplemental Company small business loan performance and other data.

104

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

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ENOVA INTERNATIONAL, INC.

Date:

September 9, 2026

By:

/s/ Sean Rahilly

Sean Rahilly

General Counsel & Secretary

EX-99.1

Filename: enva-ex99_1.htm · Sequence: 2

EX-99.1

Exhibit 99.1

Delinquencies and Net Charge-Offs

The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further described in Item 7.01 of the Current Report on Form 8-K to which this Exhibit 99.1 is attached, (2) static pool net charge-off data for such term loans originated in the particular year or quarter specified in such net charge-off table and (3) annualized net charge-off data for such term loans and lines of credit (as indicated in the headings below) as of the particular year or quarter specified in such annualized net charge-off table.

Term Loan Delinquency Experience1,2

7/31/2026

12/31/2025

12/31/2024

12/31/2023

12/31/2022

12/31/2021

12/31/2020

Number of Term Loans Outstanding

24,276

23,611

21,409

20,445

18,027

11,951

10,473

Aggregate Unpaid Principal Balance

$1,746,673,893

$1,558,420,824

$1,231,929,539

$1,081,407,606

$958,048,846

$564,833,713

$402,659,159

Unpaid Principal Balance of Past Due Term Loans

1-14 missed payment factor

$36,617,137

$55,344,175

$40,228,787

$34,595,627

$41,980,019

$15,395,906

$14,295,617

15-29 missed payment factor

$30,882,012

$28,332,902

$24,653,454

$26,264,683

$25,013,844

$7,018,340

$11,737,335

30-44 missed payment factor

$26,637,239

$29,866,465

$18,457,714

$22,313,096

$20,890,824

$5,985,236

$4,681,417

45-59 missed payment factor

$25,904,995

$17,706,650

$16,746,274

$20,230,938

$14,293,284

$4,307,708

$3,017,883

60+ non-write off paying

$46,824,184

$45,186,345

$45,074,545

$26,936,769

$15,727,287

$14,702,587

$50,274,475

60+ non-write off not paying

$23,011,087

$19,440,935

$11,782,188

$18,655,548

$12,841,244

$6,794,343

$15,395,179

Total 61+ DPD

$69,835,271

$64,627,280

$56,856,733

$45,592,317

$28,568,531

$21,496,930

$65,669,654

Term Loans past due as a % of Unpaid Principal Balance

1-14 missed payment factor

2.10%

3.55%

3.27%

3.20%

4.38%

2.73%

3.55%

15-29 missed payment factor

1.77%

1.82%

2.00%

2.43%

2.61%

1.24%

2.91%

30-44 missed payment factor

1.53%

1.92%

1.50%

2.06%

2.18%

1.06%

1.16%

45-59 missed payment factor

1.48%

1.14%

1.36%

1.87%

1.49%

0.76%

0.75%

60+ non-write off paying

2.68%

2.90%

3.66%

2.49%

1.64%

2.60%

12.49%

60+ non-write off not paying

1.32%

1.25%

0.96%

1.73%

1.34%

1.20%

3.82%

1 The delinquency experience is measured by the missed payment factors of the term loans in the Term Loan Comparable Serviced Portfolio. The missed payment factor of a daily pay loan is the sum of the total past due amount of scheduled loan payments thereunder divided by the required daily scheduled loan payment thereunder plus the number of scheduled loan payment dates (if any) past the maturity date on which scheduled loan payment were due but not received on such loan. The missed payment factor of a weekly pay loan is calculated utilizing the same methodology, normalized to account for loans with only one scheduled payment per week and the missed payment factor of a monthly pay loan is calculated utilizing the same methodology, normalized to account for loans with only one scheduled payment per month.

2 Paid off Term Loans are viewed as $0 Unpaid Principal Balance.

Line of Credit Delinquency Experience3,4

7/31/2026

12/31/2025

12/31/2024

12/31/2023

12/31/2022

12/31/2021

12/31/2020

Number of Lines of Credit Outstanding

58,867

43,881

28,171

19,195

19,756

16,547

15,448

Aggregate Unpaid Principal Balance

$1,319,318,847

$939,105,795

$556,629,817

$333,457,534

$282,699,515

$187,967,324

$155,589,302

Unpaid Principal Balance of Past Due Lines of Credit

1-14 missed payment factor

$41,670,575

$29,363,052

$14,143,703

$9,265,803

$7,587,935

$2,719,867

$3,096,655

15-29 missed payment factor

$25,989,062

$36,722,798

$16,285,440

$5,601,523

$4,472,181

$1,305,146

$1,553,464

30-44 missed payment factor

$29,807,250

$19,284,259

$9,035,043

$4,596,375

$3,469,618

$909,273

$909,064

45-59 missed payment factor

$14,993,804

$10,131,581

$5,983,166

$4,437,468

$2,363,179

$640,028

$957,284

60+ non-write off paying

$14,334,803

$8,513,593

$5,774,062

$5,678,597

$2,173,499

$2,066,120

$8,537,274

60+ non-write not off paying

$26,328,081

$13,969,632

$8,515,704

$5,884,622

$1,597,465

$2,081,177

$4,316,810

Total 61+ missed payment factor

$40,662,884

$22,483,225

$14,289,767

$11,563,219

$3,770,964

$4,147,297

$12,854,084

Lines of Credit past due as a % of Unpaid Principal Balance

1-14 missed payment factor

3.16%

3.13%

2.54%

2.82%

2.72%

1.47%

2.02%

15-29 missed payment factor

1.97%

3.91%

2.93%

1.71%

1.60%

0.70%

1.01%

30-44 missed payment factor

2.26%

2.05%

1.62%

1.40%

1.25%

0.49%

0.59%

45-59 missed payment factor

1.14%

1.08%

1.07%

1.35%

0.85%

0.35%

0.62%

60+ non-write off paying

1.09%

0.91%

1.04%

1.73%

0.78%

1.12%

5.56%

60+ non-write off not paying

2.00%

1.49%

1.53%

1.79%

0.57%

1.12%

2.81%

3 The delinquency experience is measured by the missed payment factors of the line of credit loans in the Line of Credit Comparable Serviced Portfolio. The missed payment factor of a daily pay loan is the sum of the total past due amount of scheduled loan payments thereunder divided by the required daily scheduled loan payment thereunder plus the number of scheduled loan payment dates (if any) past the maturity date on which scheduled loan payment were due but not received on such loan. The missed payment factor of a weekly pay loan is calculated utilizing the same methodology, normalized to account for loans with only one scheduled payment per week and the missed payment factor of a monthly pay loan is calculated utilizing the same methodology, normalized to account for loans with only one scheduled payment per month. Historically, line of credit loans have been weekly pay loans.

4 Dormant Lines of Credit are viewed as $0 Unpaid Principal Balance.

Term Loan Cumulative Net Charge-Off Experience5

Origination Vintages (based on calendar year or quarter): Overall

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

Number of Loans Originated

6,650

7,681

7,753

7,426

7,121

6,974

25,816

23,968

22,986

15,089

10,940

Aggregate Original Principal Balance

685,256,433

784,176,327

760,911,054

676,077,217

640,746,185

619,384,596

2,162,387,741

1,813,338,021

1,646,623,139

950,803,524

658,230,518

Cumulative Net Charge-Offs (as a % of aggregate original principal balance)6

Months Since Origination

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

0.00%

0.01%

0.03%

0.01%

0.08%

0.23%

0.18%

0.19%

0.10%

0.00%

0.03%

0.09%

0.15%

0.29%

0.88%

0.89%

1.13%

0.84%

0.63%

0.14%

0.27%

0.30%

0.39%

1.23%

1.93%

2.05%

2.49%

1.81%

1.64%

0.82%

1.23%

0.89%

0.72%

3.04%

3.39%

3.62%

2.91%

2.78%

1.98%

2.54%

1.83%

1.30%

4.21%

4.70%

5.13%

3.80%

3.97%

3.16%

3.81%

2.67%

1.90%

5.31%

5.61%

6.29%

4.96%

5.14%

4.45%

5.15%

3.72%

2.71%

6.88%

7.68%

5.97%

6.20%

5.74%

6.36%

4.44%

3.53%

8.11%

8.74%

7.16%

7.10%

6.86%

7.41%

5.17%

4.20%

9.20%

9.73%

7.84%

7.86%

7.72%

8.40%

5.72%

4.62%

10.66%

8.35%

8.52%

8.49%

9.17%

6.25%

4.98%

11.24%

8.84%

9.02%

9.04%

9.96%

6.54%

5.21%

11.77%

9.20%

9.35%

9.45%

10.59%

6.72%

5.42%

9.46%

9.59%

9.80%

11.02%

6.89%

5.46%

9.76%

9.75%

10.11%

11.37%

7.04%

5.60%

9.90%

9.85%

10.33%

11.66%

7.18%

5.64%

9.92%

10.48%

11.85%

7.28%

5.65%

9.99%

10.62%

12.02%

7.33%

5.68%

10.02%

10.66%

12.12%

7.39%

5.73%

10.66%

12.21%

7.37%

5.69%

10.64%

12.28%

7.38%

5.69%

10.62%

12.29%

7.38%

5.63%

10.59%

12.27%

7.35%

5.59%

10.56%

12.26%

7.33%

5.58%

10.53%

12.25%

7.29%

5.55%

10.50%

12.20%

7.23%

5.47%

10.45%

12.20%

7.20%

5.42%

10.41%

12.17%

7.19%

5.37%

10.37%

12.14%

7.16%

5.35%

5 The historical information in the tables in this section reflect net charge-offs in respect of the Term Loan Comparable Serviced Portfolio that were charged-off by the OnDeck and/or On Deck Capital, Inc. in accordance with their then-existing policies and procedures. A Pooled Loan will be deemed a Charged-Off Loan under the Indenture if it is charged-off by the OnDeck and/or On Deck Capital, Inc. in accordance with their Credit Policies or it has a Missed Payment Factor (i) in the case of Daily Pay Loans, higher than 60, (ii) in the case of Weekly Pay Loans, higher than 12 and (iii) in the case of Monthly Pay Loans, higher than 3. The data shown above for the referenced annual or quarterly vintages represents the loans originated during such year or quarter as a static pool, and illustrates how such vintages have performed given equivalent months of seasoning.

6 Cumulative net charge-offs (as a % of aggregate original principal balance) are only included for those vintages and months since origination for which performance history exists for each loan of such vintage over such number of months since origination.

Origination Vintages (based on calendar year or quarter): OnDeck Score7 < 515

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

Number of Loans Originated

190

149

205

120

197

1,578

6,774

7,777

3,684

2,233

Aggregate Original Principal Balance

15,546,944

8,864,833

12,816,417

18,033,698

10,164,800

10,448,001

75,484,944

431,064,686

479,598,620

195,741,401

108,744,684

Cumulative Net Charge-Offs (as a % of aggregate original principal balance)8

Months Since Origination

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

0.00%

0.03%

0.00%

0.01%

0.00%

0.04%

2.44%

0.00%

1.01%

0.43%

0.34%

0.00%

0.07%

0.15%

0.38%

4.13%

1.82%

1.61%

3.14%

2.31%

1.93%

0.26%

0.65%

0.90%

0.86%

4.13%

4.44%

2.55%

4.48%

8.73%

4.88%

1.75%

3.03%

2.73%

1.63%

8.24%

4.43%

7.81%

11.87%

7.63%

4.17%

5.80%

5.98%

3.53%

12.41%

7.99%

12.09%

15.38%

11.07%

6.52%

8.69%

8.37%

5.08%

12.78%

9.19%

16.98%

17.35%

14.05%

8.90%

11.58%

11.74%

6.97%

9.74%

19.78%

19.71%

16.43%

10.80%

13.88%

13.91%

8.44%

11.47%

22.43%

20.03%

17.76%

12.68%

15.69%

15.58%

9.97%

13.04%

24.95%

26.70%

18.98%

14.02%

17.57%

16.95%

11.05%

25.38%

27.39%

20.36%

15.42%

18.95%

18.15%

12.17%

25.31%

29.31%

21.35%

16.33%

20.36%

18.60%

12.83%

27.76%

29.70%

21.66%

16.98%

21.39%

18.98%

13.46%

29.51%

22.03%

17.51%

22.08%

19.18%

13.63%

30.02%

22.36%

17.91%

22.78%

19.50%

14.12%

29.88%

22.36%

18.17%

23.26%

19.65%

14.01%

22.25%

18.45%

23.59%

19.86%

14.08%

22.22%

18.64%

23.86%

19.91%

13.98%

22.17%

18.71%

24.06%

20.02%

13.99%

18.70%

24.20%

20.01%

13.97%

18.65%

24.29%

19.98%

13.99%

18.69%

24.35%

19.99%

13.84%

18.60%

24.31%

19.93%

13.70%

18.56%

24.23%

19.87%

13.66%

18.55%

24.18%

19.80%

13.59%

18.51%

24.16%

19.67%

13.46%

18.44%

24.12%

19.56%

13.42%

18.40%

24.04%

19.52%

13.32%

18.36%

23.99%

19.41%

13.29%

7 OnDeck Score for the Series 2026-1 Notes utilizes version 7 of the scoring model maintained by the OnDeck Affiliates.

8 Cumulative net charge-offs (as a % of aggregate original principal balance) are only included for those vintages and months since origination for which performance history exists for each loan of such vintage over such number of months since origination.

Origination Vintages (based on calendar year or quarter): OnDeck Score 515-544

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

Number of Loans Originated

825

957

1,291

1,465

1,181

1,088

4,306

6,302

5,582

3,132

1,950

Aggregate Original Principal Balance

53,950,212

62,356,439

91,505,328

100,628,046

77,501,760

66,781,991

260,535,020

450,055,626

389,011,404

185,330,193

101,037,855

Cumulative Net Charge-Offs (as a % of aggregate original principal balance)9

Months Since Origination

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

0.00%

0.01%

0.03%

0.11%

0.00%

0.12%

0.24%

0.13%

0.00%

0.65%

0.21%

0.01%

0.05%

0.13%

0.09%

0.23%

1.68%

1.43%

1.71%

1.80%

1.09%

0.17%

0.22%

0.35%

0.22%

2.43%

3.56%

3.36%

3.98%

4.49%

3.09%

0.86%

0.95%

0.87%

0.98%

5.37%

6.20%

6.03%

6.42%

5.08%

2.13%

2.44%

1.73%

1.72%

7.18%

8.97%

8.35%

8.13%

7.00%

3.46%

3.71%

2.76%

2.87%

9.48%

10.92%

11.10%

10.53%

9.08%

4.78%

4.93%

3.82%

3.81%

13.58%

13.19%

12.25%

10.80%

6.28%

6.24%

4.82%

5.68%

15.15%

15.50%

13.52%

12.07%

7.55%

7.34%

5.92%

6.62%

16.82%

17.06%

14.41%

13.45%

8.47%

8.43%

6.63%

7.20%

18.70%

15.76%

14.33%

9.40%

9.33%

7.35%

7.64%

19.73%

17.01%

15.30%

9.90%

10.20%

7.95%

7.96%

20.21%

17.34%

15.99%

10.44%

11.05%

8.28%

8.32%

17.76%

16.36%

10.93%

11.65%

8.69%

8.21%

17.86%

16.68%

11.18%

12.06%

8.93%

8.40%

18.21%

16.92%

11.55%

12.38%

9.21%

8.54%

17.02%

11.71%

12.49%

9.29%

8.49%

17.08%

11.84%

12.59%

9.26%

8.60%

17.05%

11.90%

12.65%

9.32%

8.79%

11.89%

12.78%

9.26%

8.71%

11.87%

12.89%

9.24%

8.66%

11.83%

12.84%

9.19%

8.59%

11.82%

12.83%

9.17%

8.47%

11.77%

12.84%

9.12%

8.49%

11.71%

12.83%

9.08%

8.36%

11.69%

12.75%

8.95%

8.21%

11.65%

12.76%

8.96%

8.09%

11.62%

12.78%

8.94%

7.99%

11.59%

12.72%

8.91%

7.84%

9 Cumulative net charge-offs (as a % of aggregate original principal balance) are only included for those vintages and months since origination for which performance history exists for each loan of such vintage over such number of months since origination.

Origination Vintages (based on calendar year or quarter): OnDeck Score 545-584

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

Number of Loans Originated

2,283

2,638

3,030

2,935

2,402

2,202

7,895

5,642

4,243

3,088

2,334

Aggregate Original Principal Balance

198,368,702

225,414,226

272,383,872

250,603,630

191,709,525

176,306,211

609,900,295

448,771,040

329,728,807

198,062,181

137,987,206

Cumulative Net Charge-Offs (as a % of aggregate original principal balance)10

Months Since Origination

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

0.00%

0.04%

0.00%

0.29%

0.42%

0.43%

0.11%

0.08%

0.01%

0.00%

0.10%

0.22%

0.29%

0.89%

1.31%

1.89%

0.86%

0.82%

0.14%

0.08%

0.17%

0.56%

1.94%

2.15%

2.73%

3.72%

2.19%

1.91%

0.60%

0.43%

0.58%

0.95%

3.78%

4.02%

5.31%

3.31%

3.41%

1.34%

0.67%

1.07%

1.28%

4.93%

5.23%

7.53%

4.34%

4.78%

2.04%

1.19%

1.46%

1.60%

6.59%

6.38%

9.43%

5.68%

6.30%

3.13%

1.90%

2.22%

7.97%

11.19%

6.85%

7.72%

4.36%

2.62%

2.10%

2.87%

9.36%

12.36%

8.47%

8.88%

5.20%

3.60%

2.53%

3.39%

10.60%

13.25%

9.30%

9.79%

6.03%

4.12%

3.04%

3.65%

14.82%

9.72%

10.63%

6.65%

4.59%

3.56%

3.94%

15.76%

10.27%

11.18%

7.27%

5.12%

3.78%

4.13%

16.15%

10.73%

11.54%

7.59%

5.46%

3.85%

4.30%

11.16%

11.84%

7.84%

5.77%

4.02%

4.35%

11.37%

12.05%

8.12%

5.98%

4.08%

4.45%

11.58%

12.13%

8.21%

6.16%

4.18%

4.55%

12.20%

8.30%

6.36%

4.28%

4.74%

12.27%

8.46%

6.62%

4.33%

4.77%

12.34%

8.46%

6.66%

4.39%

4.88%

8.46%

6.76%

4.36%

4.80%

8.46%

6.80%

4.36%

4.77%

8.42%

6.83%

4.35%

4.68%

8.40%

6.85%

4.30%

4.64%

8.37%

6.87%

4.33%

4.62%

8.33%

6.86%

4.31%

4.65%

8.29%

6.79%

4.29%

4.55%

8.25%

6.81%

4.22%

4.49%

8.18%

6.80%

4.24%

4.46%

8.12%

6.76%

4.20%

4.43%

10 Cumulative net charge-offs (as a % of aggregate original principal balance) are only included for those vintages and months since origination for which performance history exists for each loan of such vintage over such number of months since origination.

Origination Vintages (based on calendar year or quarter): OnDeck Score 585-639

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

Number of Loans Originated

2,173

2,521

2,176

1,925

2,094

2,190

7,730

3,905

3,026

2,589

2,344

Aggregate Original Principal Balance

265,437,741

304,748,103

249,818,307

199,623,417

214,616,322

227,413,058

755,467,848

350,598,495

247,127,276

181,185,555

155,320,174

Cumulative Net Charge-Offs (as a % of aggregate original principal balance)11

Months Since Origination

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

0.00%

0.01%

0.00%

0.05%

0.20%

0.10%

0.23%

0.10%

0.00%

0.03%

0.08%

0.25%

0.93%

0.38%

0.81%

0.91%

0.46%

0.00%

0.07%

0.05%

0.18%

0.82%

1.72%

1.29%

2.17%

1.35%

1.37%

0.21%

0.17%

0.05%

0.22%

2.36%

2.29%

3.24%

2.03%

2.32%

0.63%

0.66%

0.09%

0.49%

3.31%

3.22%

4.30%

2.91%

3.29%

1.18%

0.78%

0.39%

0.79%

3.74%

3.69%

4.73%

3.88%

4.18%

1.68%

1.19%

0.53%

1.41%

4.24%

5.95%

4.76%

5.03%

2.54%

1.63%

0.64%

1.96%

5.49%

6.83%

6.00%

5.80%

3.24%

2.01%

0.94%

2.43%

6.48%

8.00%

6.54%

6.48%

3.72%

2.35%

1.06%

2.62%

8.45%

7.10%

7.05%

3.98%

2.76%

1.23%

2.75%

8.91%

7.48%

7.52%

4.24%

3.11%

1.43%

2.90%

9.59%

7.97%

7.79%

4.44%

3.39%

1.50%

2.94%

8.21%

7.97%

4.56%

3.57%

1.57%

2.95%

8.59%

8.07%

4.90%

3.65%

1.65%

2.94%

8.66%

8.20%

5.17%

3.85%

1.73%

3.01%

8.27%

5.29%

4.06%

1.83%

2.93%

8.38%

5.31%

4.13%

2.03%

2.97%

8.40%

5.30%

4.25%

2.03%

2.96%

5.36%

4.25%

2.04%

2.93%

5.33%

4.28%

2.15%

2.97%

5.31%

4.27%

2.22%

2.97%

5.29%

4.28%

2.20%

3.00%

5.27%

4.36%

2.19%

3.03%

5.25%

4.35%

2.16%

2.99%

5.21%

4.34%

2.15%

2.91%

5.17%

4.34%

2.13%

2.89%

5.14%

4.32%

2.20%

2.87%

5.09%

4.33%

2.21%

2.94%

11 Cumulative net charge-offs (as a % of aggregate original principal balance) are only included for those vintages and months since origination for which performance history exists for each loan of such vintage over such number of months since origination.

Origination Vintages (based on calendar year or quarter): OnDeck Score 640+

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

Number of Loans Originated

1,179

1,467

1,107

896

1,324

1,297

4,307

1,345

2,358

2,596

2,079

Aggregate Original Principal Balance

151,952,834

182,792,726

134,387,131

107,188,426

146,753,778

138,435,335

460,999,634

132,848,175

201,157,033

190,484,195

155,140,599

Cumulative Net Charge-Offs (as a % of aggregate original principal balance)12

Months Since Origination

2026 Q2

2026 Q1

2025 Q4

2025 Q3

2025 Q2

2025 Q1

2024

2023

2022

2021

2020

0.00%

0.04%

0.12%

0.16%

0.19%

0.00%

0.03%

0.00%

0.01%

0.04%

0.19%

0.16%

0.24%

0.15%

0.13%

0.20%

0.00%

0.01%

0.22%

0.49%

0.55%

0.42%

0.27%

0.35%

0.00%

0.07%

0.11%

0.22%

0.74%

1.18%

0.42%

1.49%

0.62%

0.00%

0.31%

0.11%

0.32%

1.62%

1.64%

1.05%

1.60%

1.13%

0.28%

0.34%

0.15%

0.44%

2.08%

1.80%

1.17%

2.21%

1.48%

0.61%

0.44%

0.31%

0.74%

2.46%

1.89%

2.78%

1.83%

0.58%

0.59%

0.37%

0.84%

2.87%

2.27%

3.35%

2.31%

0.80%

0.69%

0.49%

1.06%

3.18%

2.74%

3.51%

2.58%

0.90%

0.92%

0.49%

1.31%

3.20%

3.65%

2.93%

0.98%

0.92%

0.50%

1.34%

3.27%

3.76%

3.06%

1.04%

0.99%

0.49%

1.33%

3.68%

3.77%

3.24%

1.14%

0.53%

1.36%

3.82%

3.39%

1.36%

1.12%

0.54%

1.44%

4.18%

3.48%

1.53%

1.15%

0.59%

1.48%

4.28%

3.51%

1.53%

1.16%

0.66%

1.47%

3.57%

1.53%

1.20%

0.69%

1.42%

3.60%

1.70%

1.23%

0.69%

1.46%

3.65%

1.79%

1.23%

0.72%

1.49%

1.78%

1.24%

0.71%

1.49%

1.78%

1.24%

0.71%

1.48%

1.78%

1.25%

0.70%

1.45%

1.83%

1.15%

0.69%

1.45%

1.82%

1.14%

0.69%

1.45%

1.81%

1.17%

0.68%

1.45%

1.81%

1.17%

0.68%

1.48%

1.75%

1.15%

0.68%

1.45%

1.74%

1.14%

0.63%

1.40%

1.74%

1.14%

0.63%

1.39%

12 Cumulative net charge-offs (as a % of aggregate original principal balance) are only included for those vintages and months since origination for which performance history exists for each loan of such vintage over such number of months since origination.

Term Loan Annualized Net Charge-Offs Experience13

As of 7/31/2026

2025

2024

2023

2022

2021

2020

Average Number of Term Loans Outstanding

23,786

22,490

21,368

19,037

15,168

10,393

15,214

Average Aggregate Unpaid Principal Balance

1,584,874,201

1,379,651,559

1,165,827,730

993,225,017

758,591,113

442,684,455

632,006,246

Net Charge-offs

173,376,792

233,397,283

204,422,993

179,053,893

79,759,902

24,065,421

132,424,601

Annualized Net Charge-off Rate

10.94%

16.92%

17.53%

18.03%

10.51%

5.44%

20.95%

Line of Credit Annualized Net Charge-Offs Experience14

As of 7/31/2026

2025

2024

2023

2022

2021

2020

Average Number of Lines of Credit Outstanding

46,612

35,222

23,544

18,378

18,192

15,876

16,255

Average Aggregate Unpaid Principal Balance

1,004,404,266

712,638,667

445,099,979

299,483,407

230,467,628

167,272,754

215,144,875

Net Charge-offs

120,665,903

113,779,581

65,186,241

42,524,402

14,719,938

7,849,107

32,804,478

Annualized Net Charge-off Rate

12.01%

15.97%

14.65%

14.20%

6.39%

4.69%

15.25%

13 The historical information in this table reflects net charge-offs in respect of the Term Loan Comparable Serviced Portfolio that were charged-off by the OnDeck and/or On Deck Capital, Inc. in accordance with its then-existing policies and procedures. A Pooled Loan will be deemed a Charged-Off Loan under the Indenture if it is charged-off by the OnDeck and/or On Deck Capital, Inc. in accordance with its Credit Policies or it has a Missed Payment Factor (i) in the case of Daily Pay Loans, higher than 60, (ii) in the case of Weekly Pay Loans, higher than 12 and (iii) in the case of Monthly Pay Loans, higher than 3.

14 The historical information in this table reflects net charge-offs in respect of the Line of Credit Comparable Serviced Portfolio that were charged-off by the OnDeck and/or On Deck Capital, Inc. in accordance with its then-existing policies and procedures. A Pooled Loan will be deemed a Charged-Off Loan under the Indenture if it is charged-off by the OnDeck and/or On Deck Capital, Inc. in accordance with its Credit Policies or it has a Missed Payment Factor (i) in the case of Daily Pay Loans, higher than 60, (ii) in the case of Weekly Pay Loans, higher than 12 and (iii) in the case of Monthly Pay Loans, higher than 3.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Local phone number for entity.

+ References

No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Namespace Prefix:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Name:

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Namespace Prefix:

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Data Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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