ClearOne, Inc 与 First Finance 签署 20 万美元贷款协议

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): October 14, 2026

ClearOne, Inc.

(Exact name of registrant as specified in its charter)

+1 (801) 975-7200

(Registrant’s telephone number, including area code)

Not applicable

(Former name or former address, if changed since last report)

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:

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 check mark 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. ☐

Securities Registered Pursuant to Section 12(b) of the Act:  

Item 1.01             Entry into a Material Definitive Agreement.

On October 14, 2026, ClearOne, Inc. (the "Company") entered into a Loan Agreement (the "Loan Agreement") with First Finance Ltd. ("First Finance"), effective as of October 7, 2026, pursuant to which First Finance agreed to lend the Company $200,000 in the aggregate (the "Loan").

The material terms of the Loan Agreement are as follows:

Principal Amount.  The aggregate principal amount of the Loan is $200,000..

Interest Rate.  The Loan is non-interest bearing, including during an event of default (an “Event of Default”). No interest will accrue or be payable on any overdue amounts owing under the Loan Agreement.

Repayment. The Loan is repayable at such time to be determined and mutually agreed upon in writing by the Company and First Finance.

Prepayment.  The Company may prepay all or any portion of the outstanding indebtedness at any time without notice, bonus or penalty.

Events of Default.  The Loan Agreement contains customary events of default, including failure to pay amounts owing under the Loan Agreement when due and payable, subject to a five-business-day cure period, assignment for the benefit of creditors, liquidation or dissolution, appointment of a receiver over the Company or any material part of its assets, and bankruptcy proceedings. Following certain Events of Default, the outstanding indebtedness becomes due and payable upon demand by First Finance, and, in the case of certain specified Events of Default, automatically and immediately without further action by First Finance.

Governing Law.  State of Nevada.

The Company expects to use the proceeds of the Loan for general working capital purposes.

The foregoing description of the Loan Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the Loan Agreement, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.

Item 2.03              Creation of a Direct Financial Obligation or an Obligation under and Off-Balance Sheet Arrangement of a registrant.

The information set forth under Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.

Item 9.01              Financial Statements and Exhibits

(d)  Exhibits 

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.