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Oportun Financial Corporation – Material Contracts

NASDAQ: OPRT    
Share price (3/25/26): $4.64    
Market cap (3/25/26): $206 million
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EX-10.1
from 8-K 16 pages Transition Agreement and Release
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EX-10.4
from 10-Q 147 pages Exhibits A-M and Schedules 1-2 Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K Oportun Issuance Trust 2025-C, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of August 21, 2025 4.49% Asset Backed Fixed Rate Notes, Class a 4.93% Asset Backed Fixed Rate Notes, Class B 5.18% Asset Backed Fixed Rate Notes, Class C 5.91% Asset Backed Fixed Rate Notes, Class D 9.20% Asset Backed Fixed Rate Notes, Class E
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EX-10.3
from 10-Q 8 pages Certain Information Contained in This Exhibit, Marked by [***], Has Been Excluded From This Exhibit Because the Registrant Has Determined That It Is Both Not Material and Is the Type That the Registrant Treats as Private or Confidential. First Amendment to the Amended and Restated Program Agreement
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EX-10.2
from 10-Q 66 pages Certain Information Contained in This Exhibit, Marked by [***], Has Been Excluded From This Exhibit Because the Registrant Has Determined That It Is Both Not Material and Is the Type That the Registrant Treats as Private or Confidential. Exhibits A-O to This Exhibit Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Amended and Restated Program Agreement by and Between Pathward, National Association, and Oportun, Inc. Dated as of August 11, 2025
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EX-10.6
from 10-Q 149 pages Exhibits A-N and Schedules 1-2 Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Issuance Trust 2025-B, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of June 5, 2025 4.88% Asset Backed Fixed Rate Notes, Class a 5.28% Asset Backed Fixed Rate Notes, Class B 5.52% Asset Backed Fixed Rate Notes, Class C 6.45% Asset Backed Fixed Rate Notes, Class D 9.40% Asset Backed Fixed Rate Notes, Class E 1
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EX-10.5
from 10-Q 15 pages Certain Information Identified With Brackets [***] Has Been Excluded From This Exhibit Because Such Information Is Both (I) Not Material and (II) Competitively Harmful if Publicly Disclosed. Exhibits B-F to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Plw II Trust Master Amendment to Transaction Documents
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EX-10.4
from 10-Q 15 pages Certain Information Identified With Brackets [***] Has Been Excluded From This Exhibit Because Such Information Is Both (I) Not Material and (II) Competitively Harmful if Publicly Disclosed. Exhibits B-F to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Plw Trust Master Amendment to Transaction Documents
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EX-10.3
from 10-Q 15 pages Oportun Financial Corporation Performance-Based Rsu Award Grant Notice
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EX-10.1
from 8-K 19 pages This Letter (This “Agreement”) Constitutes the Agreement Between (A) Oportun Financial Corporation (“Company”) and (B) Findell Capital Management LLC (“Findell”) and Each of the Other Related Persons (As Defined Below) Set Forth on the Signature Pages to This Agreement (Each, a “Findell Signatory,” And, Collectively, the “Findell Signatories”). Company and the Findell Signatories Are Collectively Referred to as the “Parties.” the Findell Signatories and Each Affiliate (As Defined Below) and Associate (As Defined Below) of Each Findell Signatory Are Collectively Referred to as the “Findell Group.” 1. Board Matters
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EX-10.27
from 10-K 148 pages Exhibits A-N and Schedules 1-2 Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Issuance Trust 2025-A, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of January 16, 2025 5.01% Asset Backed Fixed Rate Notes, Class a 5.30% Asset Backed Fixed Rate Notes, Class B 5.89% Asset Backed Fixed Rate Notes, Class C 7.25% Asset Backed Fixed Rate Notes, Class D 10.00% Asset Backed Fixed Rate Notes, Class E [Indenture (Oportun 2025-A)]
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EX-10.14-10
from 10-K 13 pages Exhibits B-F to This Exhibit Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K Oportun Plw Trust Master Amendment to Transaction Documents
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EX-10.6
from 10-Q 13 pages Schedule II to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Ccw Trust Twelfth Amendment to Indenture
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EX-10.4
from 10-Q 136 pages Oportun Issuance Trust 2024-2, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of August 29, 2024 5.86% Asset Backed Fixed Rate Notes, Class a 5.83% Asset Backed Fixed Rate Notes, Class B 6.61% Asset Backed Fixed Rate Notes, Class C 10.47% Asset Backed Fixed Rate Notes, Class D
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EX-10.3
from 10-Q 68 pages Material contract
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EX-10.1
from 8-K 45 pages Schedules 1-6 and Exhibits A-B to This Exhibit Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Receivables Purchase and Sale Agreement Among Oportun, Inc. Oportun Ccw Trust Oportun Ccw Depositor, LLC and Continental Purchasing, LLC Dated as of September 24, 2024
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EX-10.2
from 10-Q 18 pages Exhibit E and Schedule II to This Exhibit Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Ccw Trust Eleventh Amendment to Indenture
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EX-10.6
from 10-Q 131 pages Exhibits A-M and Schedules 1-3 Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Issuance Trust 2024-1, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of February 13, 2024 6.334% Asset Backed Fixed Rate Notes, Class a 6.546% Asset Backed Fixed Rate Notes, Class B 7.421% Asset Backed Fixed Rate Notes, Class C 12.072% Asset Backed Fixed Rate Notes, Class D
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EX-10.3-3
from 10-Q 10 pages Schedule II to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Ccw Trust Tenth Amendment to Indenture
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EX-10.3-2
from 10-Q 8 pages Schedule II to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Ccw Trust Ninth Amendment to Indenture
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EX-10.3-1
from 10-Q 22 pages Exhibit B to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Ccw Trust Master Amendment to Transaction Documents
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