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): ~~April~~June 2812, 2026

STANDARD PREMIUM FINANCE HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Florida	000-56243	81-2624094
(State or Other Jurisdiction	(Commission	(I.R.S. Employer
of Incorporation)	File Number)	Identification No.)

13590 SW 134th Avenue, Suite 214, Miami, FL 33186

(Address of Principal Executive Office) (Zip Code)

305-232-2752

(Registrant’s telephone number, including area code)

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: None

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 checkmark 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 85.0107 ~~Other~~Submission ~~Events~~of Matters to a Vote of Security Holders.

OnThe ~~April~~annual ~~28,~~meeting ~~2026,~~of ~~Standard~~shareholders of Standard Premium Finance Holdings, Inc. (the “Company”) ~~issued~~was aheld ~~press~~on ~~release~~June ~~related~~12, to2026. As of the Record Date of April 13, 2026, there were 2,930,698 shares of common stock ~~repurchase~~outstanding ~~activity~~and 166,000 shares of apreferred stock, ~~repurchase~~for ~~program~~a ~~previously authorized~~total byof ~~the~~3,096,698 ~~Company’s~~shares ~~board~~entitled to notice of ~~directors~~and to vote at the Annual Meeting. AThe ~~copy~~matters ofvoted upon at the ~~press~~Annual ~~release~~Meeting isand ~~attached~~the ~~hereto~~results asof ~~Exhibit~~the 99voting are set forth below.1.

~~Item~~Proposal ~~9.01~~1 ~~Financial~~– ~~Statements~~Election ~~and~~of ~~Exhibits.~~Directors

~~(d)~~Shareholders ~~Exhibit~~approved the election of three directors to serve as directors for a three-year term to expire at the 2029 Annual Meeting. The voting results for this proposal are as follows:

Exhibit Number	Exhibit Description
Nominee	Votes For		Votes Withheld
99.1	Company press release dated April 28, 2026 related to the Company’s stock repurchase program.
William Koppelmann		2,009,915		—
104	Cover Page Interactive Data File (embedded within the Inline XBRL document).
Mark Kutner, MD		2,009,915		—
Scott Howell, MD		2,009,915		—

~~SIGNATURES~~There were no abstentions or broker non-votes.

~~Pursuant~~Proposal to2 ~~the~~– ~~requirements~~Advisory ofresolution ~~the~~to ~~Securities Exchange~~approve ~~Act~~executive ~~of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.~~compensation

	STANDARD PREMIUM FINANCE HOLDINGS, INC.
Dated: April 28, 2026	By:	/s/ William J. Koppelmann
		William J. Koppelmann Chairman and Chief Executive Officer

Shareholders approved, on an advisory basis, the Company’s compensation of its named executive officers, as disclosed in the 2026 Annual Meeting Proxy Statement. The voting results for this proposal are as follows:

Votes For				Votes Against				Abstain
	1,949,450				—				60,465

There were no broker non-votes.

Proposal 3 – Desired frequency of the non-binding advisory vote to approve executive compensation

Shareholders approved a frequency of three years regarding the frequency of future advisory votes on named executive officer compensation. The voting results for this proposal are as follows:

Three Years				Two Years				One Year
	1,250,939				418,713				340,263

There were no abstentions or broker non-votes.

Proposal 4 – Authorization to amend the Articles of Incorporation to remove a provision which requires that the Company have eleven members on the Board of Directors

Shareholders approved the amendment of the Articles of Incorporation to remove a provision which requires that the Company have 11 members on the Board of Directors. The voting results for this proposal are as follows:

Votes For				Votes Against				Abstain
	1,723,167				—				286,748

There were no broker non-votes.

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.

	STANDARD PREMIUM FINANCE HOLDINGS, INC.


Dated: June 16, 2026	By:	/s/ William J. Koppelmann
		William J. Koppelmann Chairman and Chief Executive Officer
		William J. Koppelmann Chairman and Chief Executive Officer

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