{"url_path":"/sec/oprt/8-k/2026-07-07/item-1-01","section_key":"item-1-01","section_title":"Item 1.01 Entry into a Material Definitive Agreement","topic":"sec","document":{"doc_type":"8-K","doc_date":"2026-07-07","source_url":"https://www.sec.gov/Archives/edgar/data/1538716/0001538716-26-000060-index.html","accession_number":"0001538716-26-000060","cik":"0001538716","ticker":"OPRT","issuer_name":"Oportun Financial Corp","edgar_url":"https://www.sec.gov/Archives/edgar/data/1538716/0001538716-26-000060-index.html","primary_entity_key":"0001538716","primary_entity_name":"Oportun Financial Corp"},"word_count":268,"has_tables":true,"body_markdown":"Item 1.01. Entry into a Material Definitive Agreement\n\nOn June 30, 2026, (the “Effective Date”) Oportun Financial Corporation (the “Company”) through its subsidiary, Oportun, Inc., (“Oportun”) entered into a Program Management Agreement (the “Agreement”) with Column National Association, a national banking association (“Column”), establishing a new lending program.\n\nUnder the Agreement, Column will originate certain unsecured personal loans for consumers in select states. Oportun will provide the platform, including marketing, application processing, fraud-prevention, servicing and program-administration services, subject to Column’s oversight and control and compliance with applicable law.\n\nThe Agreement allows Oportun to purchase loans originated by Column, other than loans retained by Column. The Agreement includes certain exclusivity provisions with respect to specified loan products and certain future financial products, subject to existing bank partner rights and other exceptions.\n\nThe Agreement includes compliance, oversight, audit, reporting, reserve, information-security, indemnification, termination and wind-down provisions.\n\nThe Agreement has an initial term of four years and renews automatically for successive one-year periods unless either party provides timely notice of non-renewal.\n\nThe foregoing description of the Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the Agreement, a copy of which will be filed as an exhibit to the Company's Quarterly Report on Form 10-Q for the quarter ending June 30, 2026.\n\nSIGNATURE\n\nPursuant 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 thereunto duly authorized.\n\nOPORTUN FINANCIAL CORPORATION\n\n(Registrant)\n\nDate:July 7, 2026By:/s/ Kathleen Layton\n\nKathleen Layton\n\nChief Legal Officer and Corporate Secretary"}