Form 8-K

8-K — SurgePays, Inc.

Accession: 0001493152-26-041325

Filed: 2026-09-03

Period: 2026-09-02

CIK: 0001392694

SIC: 4813 (TELEPHONE COMMUNICATIONS (NO RADIO TELEPHONE))

Item: Other Events

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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): September 2, 2026

SURGEPAYS,

INC.

(Exact

name of registrant as specified in its charter)

Nevada

001-40992

98-0550352

(State

or other jurisdiction

incorporation)

(Commission

File Number)

(IRS

Employer

Identification

No.)

3124

Brother Blvd., Suite 104, Bartlett, TN 38133

(Address

of principal executive offices, including zip code)

(901)

302-9587

(Registrant’s

telephone number, including area code)

Not

Applicable

(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

SURG

The

Nasdaq Stock Market, 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 ☐

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

8.01. Other Events.

September 2, 2026, SurgePays, Inc. (the “Company”) formed LWP-SURGE, LLC, a Wyoming limited liability company (“LWP-SURGE”),

to serve as the operating vehicle for a proposed joint venture with All Prepaid, LLC, a Florida limited liability company doing business

as LowWeeklyPayments (“LWP”). Articles of organization for LWP-SURGE were initiated for filing with the Wyoming Secretary

of State on that date.

LWP-SURGE

is intended to operate a smartphone rent-to-own program through the Company’s independent retail dealer network, using the LWP

real-time approval platform, contract templates, and servicing technology. The Company expects to hold a 51% membership interest in LWP-SURGE

and to serve as its manager, with LWP holding the remaining 49% membership interest. The Company anticipates appointing three of the

five members of the board of managers, including the chair, with LWP appointing the remaining two members. Certain enumerated matters,

including a sale of LWP-SURGE, the incurrence of indebtedness outside an approved portfolio funding facility, the issuance of additional

membership interests, and a voluntary dissolution, would require the consent of both members.

The

Company and LWP have not yet executed a definitive operating agreement or the related intellectual property license, distribution, and

shared services agreements contemplated for the joint venture, and the terms described above are subject to change. The formation of

LWP-SURGE does not itself obligate either party to consummate the joint venture, and no assurance can be given that definitive agreements

will be executed, that the proposed joint venture will commence operations, or that any portfolio funding will be obtained on acceptable

terms or at all. LWP-SURGE has no operations, revenue, assets, or liabilities as of the date of this Current Report. The Company will

report the execution of any definitive agreement for the joint venture to the extent required by applicable rules.

The

Company does not expect the formation of LWP-SURGE, standing alone, to have a material effect on its financial condition or results of

operations for the current fiscal quarter.

Disclosure

Regarding Forward-Looking Information

This

Current Report on Form 8-K contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of

1995. These forward-looking statements include, but are not limited to, statements regarding the formation and intended purpose of LWP-SURGE,

LLC, the anticipated ownership and governance of the proposed joint venture, the negotiation and execution of definitive agreements,

the availability and terms of portfolio funding, the commencement and scale of the smartphone rent-to-own program, and the expected effect

of the foregoing on the Company’s results of operations, costs, and margins. These forward-looking statements are based on the

current beliefs and expectations of the Company’s management with respect to future events, only speak as of the date that they

are made, and are subject to significant risks and uncertainties. Such statements can be identified by the use of words such as “should,”

“go-forward,” “future,” “anticipates,” “believes,” “estimates,” “expects,”

“intends,” “plans,” “predicts,” “will,” “would,” “could,” “continue,”

“can,” “may,” “look forward,” “aim,” “hopes,” and similar terms, although

not all forward-looking statements contain such words or expressions. Actual results could differ significantly from those set forth

in the forward-looking statements, and the Company undertakes no obligation to update any forward-looking statement except as required

by law.

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.

Date:

September 3, 2026

SURGEPAYS, INC.

By:

/s/

Kevin Brian Cox

Name:

Kevin Brian Cox

Title:

Chief Executive Officer

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Entity Tax Identification Number

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Entity Incorporation, State or Country Code

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