STANDARD PREMIUM FINANCE director reports small open-market SPFX buy

Rhea-AI Filing Summary

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported a Form 4 insider transaction by a director. On 11/25/2025, the director purchased 100 shares of common stock in an open market transaction at a price of $1.95 per share. Following this trade, the director beneficially owns 172,300 shares of SPFX common stock in direct ownership. The filing reports no derivative securities activity.

Insider Trade Summary

Net Buyer: 100 shares ($195)

Net Buy 1 txn

Insider Hoechner Carl Christian

Role Director

Bought 100 shs ($195.00)

Type	Security	Shares	Price	Value
Purchase	Common Stock	100	$1.95	$195.00

Holdings After Transaction: Common Stock — 172,300 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Hoechner Carl Christian

(Last) (First) (Middle)

135902 SW 134TH AVE

#214

(Street)

MIAMI FL 33186

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
STANDARD PREMIUM FINANCE HOLDINGS, INC. [ NONE ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
11/25/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/25/2025		P		100	A	$1.95	172,300	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Carl Hoechner	11/26/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did SPFX report in this Form 4?

A director of STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported buying 100 shares of common stock at $1.95 per share.

When did the SPFX insider transaction take place?

The SPFX director’s purchase occurred on 11/25/2025, as reported in the Form 4.

What price did the SPFX director pay for the shares?

The director purchased SPFX common stock at a price of $1.95 per share.

How many SPFX shares does the director own after this transaction?

After the reported trade, the director beneficially owns 172,300 shares of SPFX common stock, held directly.

Does this SPFX Form 4 report any derivative securities?

No. The filing’s derivative securities table shows no options, warrants, or other derivative positions reported.

Is the SPFX Form 4 filed by one reporting person or a group?

The Form 4 is indicated as filed by one reporting person, not a group.