Form 8-K

8-K — Reliance Global Group, Inc.

Accession: 0001493152-26-046708

Filed: 2026-10-13

Period: 2026-10-05

CIK: 0001812727

SIC: 6411 (INSURANCE AGENTS BROKERS & SERVICES)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

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8-K — form8-k.htm (Primary)

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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 5, 2026

RELIANCE

GLOBAL GROUP, INC.

(Exact

Name of Registrant as Specified in Its Charter)

Florida

001-40020

46-3390293

(State

or Other Jurisdiction

Incorporation)

(Commission

File

Number)

(IRS

Employer

Identification

No.)

300

Blvd. of the Americas, Suite 105

Lakewood,

New Jersey

08701

(Address

of Principal Executive Offices)

(Zip

Code)

(732)

380-4600

(Registrant’s

Telephone Number, Including Area Code)

N/A

(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, par value $0.086 per share

EZRA

The

NASDAQ Capital Market

Indicate

by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2

of the Securities Exchange Act of 1934.

Emerging

growth company ☐

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.

October 5, 2026, the Company issued a press release titled “Reliance Global Group Becomes Debt Free Following Retirement of 100%

of Its Term Debt.” A copy of the press release is furnished as Exhibit 99.1 hereto.

The

information in this Item 7.01, including Exhibit 99.1, is being furnished and shall not be deemed “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 incorporated by reference into any filing under the Securities Act of 1933, as amended, or the

Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item

9.01 Financial Statements and Exhibits.

(d)

Exhibits

Exhibit

No.

Description

99.1

Press Release of Reliance Global Group, Inc., dated October 5, 2026.

104

Cover

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

SIGNATURE

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.

Reliance

Global Group, Inc.

Dated:

October 13, 2026

By:

/s/

Ezra Beyman

Ezra

Beyman

Chief

Executive Officer

EX-99.1

Filename: ex99-1.htm · Sequence: 2

Exhibit 99.1

Reliance

Global Group Becomes Debt Free Following Retirement of 100% of Its Term Debt

Repayment

of Oak Street Funding Term Loan Eliminates Approximately $1 Million of Annual Principal, Interest and Fee Payments

LAKEWOOD,

N.J., October 05, 2026 (GLOBE NEWSWIRE) — Reliance Global Group, Inc. (Nasdaq: EZRA) (“Reliance,” “EZRA”

or the “Company”), an InsurTech company leveraging artificial intelligence, cloud computing and advanced technologies

to transform the insurance agency/brokerage industry, today announced that it has repaid in full its term loan with Oak Street Funding

LLC, which was the Company’s only term debt. As a result of the repayment, the Company has no outstanding term debt. The term loan

had an outstanding balance of approximately $4.4 million as of June 30, 2026. Following the repayment, the Company has more than $6 million

of cash on its balance sheet.

The

loan was repaid with approximately $1.2 million from the sale of Southwestern Montana Insurance Center, which closed on September 11,

2026, approximately $2.2 million from the sale of Altruis Benefit Consulting, which closed on September 24, 2026, and approximately

$1.0 million of cash previously held as collateral for the loan.

Highlights

●

Term

debt retired. Following repayment of the Oak Street Funding term loan, the Company has retired 100% of its term debt.

●

than $6 million of cash. Even after the repayment, the Company has more than $6 million of cash on its balance sheet.

●

Lower

annual debt service. Repayment eliminates approximately $1 million of annual principal, interest and service fee payments, including

approximately $400,000 of annual interest and service fees.

●

Cash

collateral applied. Approximately $1.0 million of cash previously held as collateral for the loan was applied toward the payoff.

●

Funded

by asset sales. The repayment was funded with proceeds from the Company’s sales of non-core agencies and cash previously

held as loan collateral, without the issuance of any shares.

“Retiring

our term debt has been a priority since we began monetizing our non-core agencies, and doing so this month strengthens our balance sheet

in a meaningful way,” said Ezra Beyman, Chairman and Chief Executive Officer of Reliance Global Group. “With the loan repaid,

more of our cash can go toward our AI platform and the RELI Exchange network, and we have greater flexibility as we plan the Company’s

next stage of growth.”

About

Reliance Global Group, Inc.

Reliance

Global Group, Inc. (Nasdaq: EZRA) is an InsurTech company leveraging artificial intelligence, cloud computing and advanced technologies

to transform the insurance agency/brokerage industry. Through its growing portfolio of proprietary AI solutions and insurance operations,

the Company is focused on enhancing operational efficiency, improving customer experiences and creating long-term shareholder value.

Further information about the Company can be found at https://www.relianceglobalgroup.com.

Cautionary

Note Regarding Forward-Looking Statements

This

press release contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended,

Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. Forward-looking

statements are statements other than statements of historical fact and may be identified by the use of words or expressions such as “may,”

“should,” “could,” “would,” “will,” “expect,” “anticipate,” “intend,”

“plan,” “believe,” “estimate,” “continue,” “target,” “project,”

“potential,” or similar expressions, or by discussions of strategy, plans or intentions. Forward-looking statements in this

press release include, without limitation, statements regarding: the anticipated effects of the repayment of the Company’s term

loan on its cash position, interest expense, liquidity, capital structure and financial flexibility; the Company’s intended use

of cash; the Company’s portfolio monetization strategy; and the continued development, deployment and potential commercialization

of the Company’s proprietary artificial intelligence platform and its RELI Exchange InsurTech platform.

These

statements are based on management’s current expectations and assumptions and are subject to risks, uncertainties and other factors,

many of which are beyond the Company’s control. Should one or more of these risks or uncertainties materialize, or should any underlying

assumptions prove incorrect, actual results may differ materially from those expressed or implied by these forward-looking statements.

Such

risks and uncertainties include, without limitation: the Company’s ability to fund its operations and growth initiatives from existing

cash and operating cash flow, and its potential need to raise additional capital, which may not be available on acceptable terms, or

at all; the loss of the revenue and operating cash flow historically contributed by the divested agencies and the resulting impact on

the Company’s consolidated results of operations; the risk that the Company is unable to redeploy capital into initiatives that

generate the anticipated returns; the Company’s ability to maintain compliance with the continued listing standards of The Nasdaq

Capital Market; the development, deployment, market acceptance and potential commercialization of the Company’s proprietary artificial

intelligence technologies; competition, regulatory developments and other risks affecting the insurance brokerage and InsurTech industries;

and general business, economic, market and geopolitical conditions. Additional information regarding these and other factors that may

cause actual results to differ materially is included under the heading “Risk Factors” in the Company’s Annual Report

on Form 10-K for the year ended December 31, 2025, as amended, and in the Company’s subsequent Quarterly Reports on Form 10-Q and

other filings with the Securities and Exchange Commission, copies of which are available free of charge at www.sec.gov.

Readers

are cautioned not to place undue reliance on forward-looking statements. The forward-looking statements in this press release speak only

as of the date of this press release. Except as required by applicable law, the Company undertakes no obligation to publicly update or

revise any forward-looking statement, whether as a result of new information, future events or otherwise.

Investor

Relations Contact:

Crescendo

Communications, LLC

Tel:

+1 (212) 671-1020

Email:

EZRA@crescendo-ir.com

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