FullPAC, Inc. filed a Form 8-K on October 26, 2026, reporting that its wholly owned subsidiary RoboCent, Inc. entered into a $250,000 loan agreement with Stripe Servicing, Inc. and Lead Bank on October 20, 2026, and separately that FullPAC repaid a $300,000 secured promissory note in full on October 21, 2026.

Key Highlights

  • Fifth Stripe Capital Loan: RoboCent, Inc. borrowed $250,000 with a fixed fee of $34,250, for a total repayment amount of $284,250, funded on October 20, 2026.
  • Repayment structure: The loan is repaid by withholding 11.8% of client payments processed through Stripe, beginning October 27, 2026, with minimum payments of $31,583.34 every 60 days and any remaining balance due no later than April 19, 2028.
  • Fourth Stripe Capital Loan refinanced: The remaining balance of $88,759 on the Fourth Stripe Capital Loan was rolled into the Fifth, resulting in net cash proceeds to RoboCent of approximately $161,241.
  • SEG Note repaid: On October 21, 2026, FullPAC repaid the full $300,000 principal of a secured promissory note originally issued to SEG Opportunity Fund, LLC on September 15, 2026 for a purchase price of $250,000, satisfying all obligations under that note.
  • No exchange listing: The filing states that no securities of FullPAC, Inc. are registered pursuant to Section 12(b) of the Act.
  • Emerging growth company: FullPAC, Inc. is identified in the filing as an emerging growth company.

RoboCent's Fifth Stripe Capital Loan and FullPAC's SEG Note Repayment

According to the filing, RoboCent, Inc., a wholly owned subsidiary of FullPAC, Inc., entered into its fifth loan agreement with Stripe Servicing, Inc. and Lead Bank under the Stripe Capital Program on October 20, 2026. The loan carries a principal amount of $250,000 and a fixed fee of $34,250, bringing the total repayment obligation to $284,250. The filing notes that RoboCent may repay the outstanding balance in full or in part at any time without penalty, though the fixed fee is not reduced by early repayment, and Stripe may waive a portion of the fixed fee at its discretion.

The Fifth Stripe Capital Loan is secured by RoboCent's receivables processed through Stripe, its Stripe account and funds held in it, accounts, chattel paper, instruments, payment intangibles, inventory, equipment, and proceeds of those assets, the company disclosed. The Fourth Stripe Capital Loan, originally entered into with Stripe Servicing, Inc. and Celtic Bank on June 24, 2026, was retired in full, with its remaining balance of $88,759 refinanced into the new loan rather than repaid in cash. The filing states that RoboCent intends to use the net proceeds for working capital purposes.

Separately, the filing discloses that on October 21, 2026, FullPAC repaid in full the $300,000 principal of a secured promissory note issued to SEG Opportunity Fund, LLC on September 15, 2026. The SEG Note was issued for a purchase price of $250,000, reflecting original issue discount of $50,000, bore no interest, and was originally scheduled to mature on October 15, 2026. According to the filing, the repayment was funded with a portion of the net proceeds of the Fifth Stripe Capital Loan and cash generated from operations, and "the Company's obligations under the SEG Note were satisfied in full."

What Was Disclosed

FullPAC, Inc. disclosed that subsidiary RoboCent entered into a $250,000 Stripe Capital loan on October 20, 2026, refinancing the prior Stripe loan balance, and that FullPAC fully repaid a $300,000 promissory note to SEG Opportunity Fund, LLC on October 21, 2026.