NOTES PAYABLE	9 Months Ended
Jul. 31, 2025
Debt Disclosure [Abstract]
NOTES PAYABLE	NOTE 6 – NOTES PAYABLE During December 2023, the Company entered into a convertible promissory note in the amount of $50,000 due and payable in December 2024 at an annual interest rate of 6.0%. The note is secured by $100,000 of the Company’s inventory. Any principal and unpaid accrued interest outstanding as of the due date may be converted to common stock at a value of $0.20 per share. On December 2024, the Company extended the note for an additional six months. The note is now due and payable in June 2025. As of July 31, 2025, this note has been paid in full. During 2005, the Company entered into an agreement with the U.S. Small Business Association (SBA). As of April 30, 2025, the note payable to SBA was $34,089. The note is payable in monthly installments of $1,820 with the balance due and payable in November 2026, at an interest rate of 2.60%. This loan was paid in full as of July 31, 2025 As of July 31, 2025, all notes payables are up to date.

NOTES PAYABLE

9 Months Ended

Jul. 31, 2025

NOTE 6 – NOTES PAYABLE

During December 2023, the Company entered into a convertible promissory note in the amount of $50,000 due and payable in December 2024 at an annual interest rate of 6.0%. The note is secured by $100,000 of the Company’s inventory. Any principal and unpaid accrued interest outstanding as of the due date may be converted to common stock at a value of $0.20 per share. On December 2024, the Company extended the note for an additional six months. The note is now due and payable in June 2025. As of July 31, 2025, this note has been paid in full.

During 2005, the Company entered into an agreement with the U.S. Small Business Association (SBA). As of April 30, 2025, the note payable to SBA was $34,089. The note is payable in monthly installments of $1,820 with the balance due and payable in November 2026, at an interest rate of 2.60%. This loan was paid in full as of July 31, 2025

As of July 31, 2025, all notes payables are up to date.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

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+ Details

INNOVATIVE DESIGNS INC 10-Q