v3.26.1
NOTES PAYABLE
6 Months Ended
Jun. 30, 2026
NOTES PAYABLE  
NOTES PAYABLE

7. NOTES PAYABLE

 

Short-term Promissory Notes

 

On February 6, 2026, the Company issued a $30 thousand promissory note to an investor. The note bears interest of $2.4 thousand over its term and matures on January 1, 2027, with principal payable in monthly installments beginning March 1, 2026. In connection with the issuance of the note, the Company issued warrants to purchase 30,000 shares of common stock with an exercise price of $0.40 per share. The warrants were issued on February 6, 2026 and expire three years from the issuance date.

 

The fair value of the warrants was estimated using the Black-Scholes option pricing model with an expected term of 3.0 years, stock price of $0.40, exercise price of $0.40, volatility of 202.8%, risk-free interest rate of 3.6%, and no expected dividends. The proceeds from the issuance of the note and warrants were allocated between the debt and the warrants on a relative fair value basis. Based on this allocation, approximately $11 thousand was recorded as a debt discount and is being amortized to interest expense over the term of the note.

 

As of June 30, 2026, the outstanding principal balance of the note was $18 thousand, accrued interest totaled approximately $2 thousand, and the unamortized debt discount related to the warrants was approximately $6 thousand.

 

On July 4, 2025, the Company entered into a premium finance agreement to finance its insurance policies totaling $125 thousand. Monthly payments were due under the agreement, including interest at a rate of 8.8%. The note matured on May 4, 2026. As of June 30, 2026, the outstanding balance under this agreement was $0, which is included in “Short-term notes payable” on the condensed consolidated balance sheets. As of December 31, 2025, the outstanding balance was $58 thousand.

 

Long-term Promissory Notes

 

On April 15, 2024, the Company entered into an exchange agreement with a former employee, whereby the former employee agreed to exchange outstanding amounts due for deferred compensation of $82 thousand for an $87 thousand promissory note. Beginning on May 5, 2024, monthly payments of $2 thousand are due on the note until its maturity date of May 5, 2028. The note accrues interest at a rate of 6.0% per annum.

 

As of June 30, 2026, the outstanding principal balance of the promissory note was $35 thousand, of which $24 thousand is included in “Short-term notes payable” and $11 thousand is included in “Long-term notes payable” on the unaudited condensed consolidated balance sheets. Accrued interest on the promissory note totaled $8 thousand as of June 30, 2026. As of December 31, 2025, the outstanding principal balance was $47 thousand, of which $24 thousand was classified as short-term and $23 thousand as long-term. Accrued interest totaled $7 thousand as of December 31, 2025.

 

The following tables summarize notes payable as of June 30, 2026 and December 31, 2025 (in thousands):

 

 

 

June 30,

2026

 

 

December 31,

2025

 

Short-term promissory notes

 

$18

 

 

$-

 

Deferred compensation note

 

 

35

 

 

 

47

 

Insurance policy financing

 

 

-

 

 

 

58

 

Debt discount

 

 

(6)

 

 

-

 

Total

 

 

47

 

 

 

105

 

 

 

 

 

 

 

 

 

 

Less: Current portion of notes payable

 

 

(36)

 

 

(82)

Total long-term notes payable

 

$11

 

 

$23

 

 

Future debt obligations at June 30, 2026 for notes payable are as follows (in thousands):

 

2026 (remaining)

 

 

30

 

2027

 

 

23

 

Total

 

$53