LM Funding America, Inc. (the Company) has entered into an At The Market Offering Agreement (ATM Agreement) with Maxim Group LLC (the Agent) on March 27, 2026. The ATM Agreement allows the Company to offer and sell shares of its common stock, par value $0.001 per share, with an aggregate offering price of up to US$75,000,000. Sales of shares, if any, will be made through the Agent acting as a sales agent, utilizing an 'at the market offering' method as defined in Rule 415 under the Securities Act of 1933. The Company will pay the Agent a cash transaction fee equal to 3.0% of the gross sales price of the shares sold. The Company has no obligation to sell any shares under the ATM Agreement, and either the Company or the Agent may suspend sales or terminate the agreement with proper notice. The shares will be issued and sold pursuant to the Company's shelf registration statement on Form S-3 (File No. 333-281528), which was declared effective on November 21, 2024, with a related prospectus supplement filed on March 27, 2026. The Company has agreed to reimburse the Agent for reasonable costs and out-of-pocket expenses, including legal counsel fees, up to $50,000 without company approval.