0000950170-25-109941 Sample Contracts

SECURITIES PURCHASE AGREEMENT
Securities Purchase Agreement • August 19th, 2025 • Lm Funding America, Inc. • Finance services • New York

This Securities Purchase Agreement (this “Agreement”) is dated as of August 18, 2025, between LM Funding America, Inc., a Delaware corporation (the “Company”), and each purchaser identified on the signature pages hereto (each, including its successors and assigns, a “Purchaser” and collectively, the “Purchasers”).

REGISTRATION RIGHTS AGREEMENT
Registration Rights Agreement • August 19th, 2025 • Lm Funding America, Inc. • Finance services

This Agreement is made pursuant to the Securities Purchase Agreement, dated as of the date hereof, between the Company and each Purchaser (the “Purchase Agreement”).

WARRANT TO PURCHASE SHARES OF COMMON STOCK
Warrant Agreement • August 19th, 2025 • Lm Funding America, Inc. • Finance services

THIS WARRANT TO PURCHASE SHARES OF COMMON STOCK (the “Warrant”) certifies that, for value received, _____ or its assigns (the “Holder”) is entitled, upon the terms and subject to the limitations on exercise and the conditions hereinafter set forth, at any time on or after the Stockholder Approval Date (the “Initial Exercise Date”) and on or prior to 5:00 p.m. (New York City time) on the date that is the three (3) year anniversary of the Stockholder Approval Date (the “Termination Date”) but not thereafter, to subscribe for and purchase from LM Funding America, Inc., a Delaware corporation (the “Company”), up to [___] shares (as subject to adjustment hereunder, the “Warrant Shares”) of Common Stock. The purchase price of one share of Common Stock under this Warrant shall be equal to the Exercise Price, as defined in Section 2(b).

Placement Agency Agreement
Placement Agency Agreement • August 19th, 2025 • Lm Funding America, Inc. • Finance services • New York
Placement Agency Agreement
Placement Agency Agreement • August 19th, 2025 • Lm Funding America, Inc. • Finance services • New York