OPRT / Oportun Financial Corporation - SEC-Einreichungen, Jahresbericht, Proxy Statement

Oportun Financial Corporation 1825 South Grant Street, Suite 850 San Mateo, CA 94402

Exhibit 10.6 Oportun Financial Corporation 1825 South Grant Street, Suite 850 San Mateo, CA 94402 April 4th, 2026 Re: Office of CEO Employment Terms Dear Kate, On behalf of Oportun Financial Corporation (the “Company”), I am pleased to confirm the terms of your employment as a member of the Company’s joint Office of the Chief Executive Officer (the “Office of the CEO” and each member serving in su

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FI

Oportun Financial Corporation 1825 South Grant Street, Suite 850 San Mateo, CA 94402

Exhibit 10.5 Oportun Financial Corporation 1825 South Grant Street, Suite 850 San Mateo, CA 94402 April 4th, 2026 Re: Office of CEO Employment Terms Dear Gaurav, On behalf of Oportun Financial Corporation (the “Company”), I am pleased to confirm the terms of your employment as a member of the Company’s joint Office of the Chief Executive Officer (the “Office of the CEO” and each member serving in

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 May 7, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORP

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 May 7, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of Inc

Oportun Reports First Quarter 2026 Results; Extends GAAP Profitability Streak Achieves all first quarter guidance metrics Delivers sixth consecutive quarter of GAAP profitability Strengthens balance sheet and liquidity position Reiterates full-year 2

Oportun Reports First Quarter 2026 Results; Extends GAAP Profitability Streak Achieves all first quarter guidance metrics Delivers sixth consecutive quarter of GAAP profitability Strengthens balance sheet and liquidity position Reiterates full-year 2026 guidance SAN MATEO, CA – May 7, 2026 – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the first quarter ended March 31, 2026.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No.1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No.1 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from       to       Commission File Num

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 April 13, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL C

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 April 13, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Oportun Appoints Doug Bland as Chief Executive Officer to Lead Next Phase of Growth and Profitability

EX-99.1 Exhibit 99.1 Oportun Appoints Doug Bland as Chief Executive Officer to Lead Next Phase of Growth and Profitability SAN MATEO, Calif., April 16, 2026 (GLOBE NEWSWIRE) — Oportun Financial Corporation (Nasdaq: OPRT), a mission-driven financial services company, today announced that, following a comprehensive search process, it has appointed Doug Bland as Chief Executive Officer and a member o

Oportun Financial Corporation Amended and Restated 2021 Inducement Equity Incentive Plan

EX-10.2 Exhibit 10.2 Oportun Financial Corporation Amended and Restated 2021 Inducement Equity Incentive Plan 1. General. (a) Plan Purpose. The purposes of this Plan are to attract and retain the best available personnel for positions of substantial responsibility by providing an inducement material to individuals entering into employment with the Company or any Affiliate. Each Award under the Pla

AND (ii) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. REDACTED INFORMATION IS MARKED WITH A [***].

EX-10.1 CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS (i) NOT MATERIAL AND (ii) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. REDACTED INFORMATION IS MARKED WITH A [***]. Exhibit 10.1 April 15, 2026 Doug Bland [***] Re: Offer of Employment with Oportun, Inc. Dear Doug: On behalf of Oportun, Inc. and Oportun Financial Corporation (collectively

OPORTUN FINANCIAL CORPORATION PERFORMANCE-BASED RSU AWARD GRANT NOTICE (2021 INDUCEMENT EQUITY INCENTIVE PLAN)

EX-10.3 Exhibit 10.3 OPORTUN FINANCIAL CORPORATION PERFORMANCE-BASED RSU AWARD GRANT NOTICE (2021 INDUCEMENT EQUITY INCENTIVE PLAN) Oportun Financial Corporation (the “Company”) has awarded to you (the “Participant”) the number of performance-based restricted stock units (“Performance-Based Restricted Stock Units”) specified and on the terms set forth below in consideration of your services (the “

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 March 27, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL C

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 March 27, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Oportun Provides Updates on Leadership Transition Kate Layton and Gaurav Rana to jointly lead Oportun on an interim basis as Board of Directors advances CEO search

EX-99.1 Exhibit 99.1 Oportun Provides Updates on Leadership Transition Kate Layton and Gaurav Rana to jointly lead Oportun on an interim basis as Board of Directors advances CEO search SAN MATEO, Calif., April 2, 2026 (GLOBE NEWSWIRE) — Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun” or the “Company”), a mission-driven financial services company, today announced that Kate Layton and Gaurav

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FINANCI

LIST OF SUBSIDIARIES OF OPORTUN FINANCIAL CORPORATION

Exhibit 21.1 LIST OF SUBSIDIARIES OF OPORTUN FINANCIAL CORPORATION The following is a list of subsidiaries of Oportun Financial Corporation and the state or other jurisdiction in which each was organized. This list does not include dormant subsidiaries or subsidiaries which, considered in the aggregate as a single subsidiary, would not constitute a significant subsidiary within the meaning of Item

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 Oportun Financial Corp Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Stock, par value $0.

As filed with the Securities and Exchange Commission on February 27, 2026

As filed with the Securities and Exchange Commission on February 27, 2026 Registration No.

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 February 26, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIA

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 February 26, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

Oportun Delivers Strong Fourth Quarter, Increases Net Income by $104 Million in Full Year 2025 Achieves fifth consecutive quarter of GAAP profitability Full year 2025 GAAP EPS of $0.53, up $2.48 year-over-year Full year 2025 Adjusted EPS of $1.36, re

Oportun Delivers Strong Fourth Quarter, Increases Net Income by $104 Million in Full Year 2025 Achieves fifth consecutive quarter of GAAP profitability Full year 2025 GAAP EPS of $0.

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 February 9, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

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 February 9, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Oportun Strengthens Debt Capital Structure With $485 Million Asset Backed Securitization and Corporate Debt Repayments 5.32% yield, 45 basis points lower than the prior October 2025 ABS transaction Fourth consecutive sub-6% ABS transaction Repaid $37

Oportun Strengthens Debt Capital Structure With $485 Million Asset Backed Securitization and Corporate Debt Repayments 5.

Oportun Announces CEO Succession Plan Raul Vazquez to step down as CEO and Board member effective no later than April 3, 2026 Board initiates CEO search Provides preliminary fourth quarter and full year 2025 financial and operating results

EX-99.1 Exhibit 99.1 Oportun Announces CEO Succession Plan Raul Vazquez to step down as CEO and Board member effective no later than April 3, 2026 Board initiates CEO search Provides preliminary fourth quarter and full year 2025 financial and operating results SAN CARLOS, Calif., January 21, 2026 (GLOBE NEWSWIRE) — Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun” or the “Company”), a missio

TRANSITION AGREEMENT AND RELEASE

EX-10.1 Exhibit 10.1 TRANSITION AGREEMENT AND RELEASE This Transition Agreement and Release (“Transition Agreement”) is made by and between Raul Vazquez (“Executive”), Oportun Financial Corporation (the “Parent”), and Oportun, Inc. (the “Company”) (collectively referred to as the “Parties” or individually referred to as a “Party”). RECITALS WHEREAS, Executive is employed by the Company; WHEREAS, E

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 January 15, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

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 January 15, 2026 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

FIRST AMENDMENT TO THE AMENDED AND RESTATED PROGRAM AGREEMENT

Exhibit 10.3 Certain information contained in this exhibit, marked by [***], has been excluded from this exhibit because the registrant has determined that it is both not material and is the type that the registrant treats as private or confidential. FIRST AMENDMENT TO THE AMENDED AND RESTATED PROGRAM AGREEMENT This FIRST AMENDMENT TO THE AMENDED AND RESTATED PROGRAM AGREEMENT (“Retained Loan Amen

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTU

OPORTUN ISSUANCE TRUST 2025-C, as Issuer WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Dated as of August 21, 2025 4.49% Asset Backed Fixed Rate Notes, Class A 4.93% Asset Backed Fixed

Exhibit 10.4 Exhibits A-M and Schedules 1-2 have been omitted pursuant to Item 601(a)(5) of Regulation S-K OPORTUN ISSUANCE TRUST 2025-C, as Issuer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, as Securities Intermediary and as Depositary Bank INDENTURE Dated as of August 21, 2025 4.49% Asset Backed Fixed Rate Notes, Class A 4.93% Asset Backed Fixed Rate Notes, Class B 5.18% As

Amended and Restated Program Agreement by and between Pathward, National Association, and Oportun, Inc. Dated as of August 11, 2025 Table of Contents

Exhibit 10.2 Certain information contained in this exhibit, marked by [***], has been excluded from this exhibit because the registrant has determined that it is both not material and is the type that the registrant treats as private or confidential. Exhibits A-O to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. Amended and Restated Program Agreement by and between Pa

Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance Meets or exceeds all third quarter guidance metrics GAAP Net income of $5.2 million reflects $35 million year-over-year improvement GAAP

Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance Meets or exceeds all third quarter guidance metrics GAAP Net income of $5.

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 November 4, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

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 November 4, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

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 October 14, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

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 October 14, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Oportun Completes $441 Million Asset Backed Securitization 5.77% average yield, demonstrates Oportun’s continued access to low-cost funding Third consecutive transaction with AAA rating on most senior bonds

EX-99.2 Exhibit 99.2 Oportun Completes $441 Million Asset Backed Securitization 5.77% average yield, demonstrates Oportun’s continued access to low-cost funding Third consecutive transaction with AAA rating on most senior bonds SAN CARLOS, Calif., October 20, 2025 – Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the issuance of $441 million of two-year revolvi

Oportun Adds Additional Warehouse Capacity, Reduces Warehouse Financing Costs and Pays Down Additional Higher Cost Corporate Debt Adds a new $247 million warehouse facility with Citizens Financial Group, Inc. and Community Investment Management Exten

EX-99.1 Exhibit 99.1 Oportun Adds Additional Warehouse Capacity, Reduces Warehouse Financing Costs and Pays Down Additional Higher Cost Corporate Debt Adds a new $247 million warehouse facility with Citizens Financial Group, Inc. and Community Investment Management Extends the term of an existing warehouse facility with Goldman Sachs and Jefferies by 12 months Increases weighted average remaining

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 September 26, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCI

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 September 26, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

144

144 0001985638 XXXXXXXX LIVE 0001538716 Oportun Financial Corp 001-39050 2 CIRCLE STAR WAY SAN CARLOS CA 94070 (650) 810-8823 Layton Kathleen I.

144/A

144/A 0001921094-25-001086 0001495547 XXXXXXXX LIVE 0001538716 Oportun Financial Corp 001-39050 2 CIRCLE STAR WAY SAN CARLOS CA 94070 (650) 810-8823 PARKER SCOTT T Former Affiliate Common Charles Schwab & Co.

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144 0001495547 XXXXXXXX LIVE 0001538716 Oportun Financial Corp 001-39050 2 CIRCLE STAR WAY SAN CARLOS CA 94070 (650) 810-8823 PARKER SCOTT T Former Affiliate Common Charles Schwab & Co.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 July 14, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 July 14, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

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 August 21, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

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 August 21, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Oportun Completes $538 Million Asset Backed Securitization 5.294% average yield, 38 basis points lower than previous ABS financing in June AAA rating on the most senior bonds; and Company has proactively paid down $10 million of higher cost corporate

Oportun Completes $538 Million Asset Backed Securitization 5.294% average yield, 38 basis points lower than previous ABS financing in June AAA rating on the most senior bonds; and Company has proactively paid down $10 million of higher cost corporate debt since end of the second quarter SAN CARLOS, Calif., August 21, 2025 – Oportun (Nasdaq: OPRT), a mission-driven financial services company, today

and Wilmington Trust, National Association, dated as of

Exhibit 10.6 Exhibits A-N and Schedules 1-2 have been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN ISSUANCE TRUST 2025-B, as Issuer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, as Securities Intermediary and as Depositary Bank INDENTURE Dated as of June 5, 2025 4.88% Asset Backed Fixed Rate Notes, Class A 5.28% Asset Backed Fixed Rate Notes, Class B 5.52% Asse

Loan and Security Agreement by and between Oportun PLW II Trust, Oportun PLW II Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of

Exhibit 10.5 CERTAIN INFORMATION IDENTIFIED WITH BRACKETS [***] HAS BEEN EXCLUDED FROM THIS EXHIBIT BECAUSE SUCH INFORMATION IS BOTH (I) NOT MATERIAL AND (II) COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. EXHIBITS B-F TO THIS EXHIBIT HAS BEEN OMITTED PURSUANT TO ITEM 601(A)(5) OF REGULATION S-K. OPORTUN PLW II TRUST MASTER AMENDMENT TO TRANSACTION DOCUMENTS This MASTER AMENDMENT TO TRANSACTION DOCU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FIN

Form of Performance-Based Restricted Stock Unit Award Agreement

Exhibit 10.3 Oportun Financial Corporation Performance-Based RSU Award Grant Notice (2019 Equity Incentive Plan) Oportun Financial Corporation (the “Company”) has awarded to you (the “Participant”) the number of performance-based restricted stock units (“Performance-Based Restricted Stock Units”) specified and on the terms set forth below in consideration of your services (the “PSU Award”). Your P

Master Amendment to the Loan and Security Agreement by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of

Exhibit 10.4 CERTAIN INFORMATION IDENTIFIED WITH BRACKETS [***] HAS BEEN EXCLUDED FROM THIS EXHIBIT BECAUSE SUCH INFORMATION IS BOTH (I) NOT MATERIAL AND (II) COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. EXHIBITS B-F TO THIS EXHIBIT HAS BEEN OMITTED PURSUANT TO ITEM 601(A)(5) OF REGULATION S-K. OPORTUN PLW TRUST MASTER AMENDMENT TO TRANSACTION DOCUMENTS This MASTER AMENDMENT TO TRANSACTION DOCUMEN

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 August 5, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL C

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 August 5, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Oportun Achieves Third Straight Quarter of GAAP Profitability and Raises Full-Year 2025 Outlook GAAP Net income of $6.9 million, a $38 million year-over-year improvement GAAP EPS of $0.14, a $0.92 year-over-year improvement Adjusted EPS of $0.31, up

Oportun Achieves Third Straight Quarter of GAAP Profitability and Raises Full-Year 2025 Outlook GAAP Net income of $6.

Certificate of Amendment to the Amended and Restated Certificate of Incorporation of Oportun Financial Corporation

Exhibit 3.2 CERTIFICATE OF AMENDMENT TO THE AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF OPORTUN FINANCIAL CORPORATION (Pursuant to Section 242 of the General Corporation Law of the State of Delaware) Oportun Financial Corporation, a corporation organized and existing under the laws of the State of Delaware (the “Corporation”), DOES HEREBY CERTIFY: 1.The name of the Corporation is Oportun

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 July 18, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CO

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 July 18, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of I

Certificate of Amendment to the Amended and Restated Certificate of Incorporation of Oportun Financial Corporation

Exhibit 3.1 CERTIFICATE OF AMENDMENT TO THE AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF OPORTUN FINANCIAL CORPORATION (Pursuant to Section 242 of the General Corporation Law of the State of Delaware) Oportun Financial Corporation, a corporation organized and existing under the laws of the State of Delaware (the “Corporation”), DOES HEREBY CERTIFY: 1.The name of the Corporation is Oportun

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 July 14, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CO

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 July 14, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of I

Oportun Enters Cooperation Agreement with Findell Capital Warren Wilcox to join Oportun Board of Directors

EX-99.1 Exhibit 99.1 Oportun Enters Cooperation Agreement with Findell Capital Warren Wilcox to join Oportun Board of Directors SAN CARLOS, Calif., July 14, 2025 (GLOBE NEWSWIRE) – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun” or the “Company”), a mission-driven financial services company, today announced it has entered into a multi-year cooperation agreement (the “Agreement”) with Finde

Letter Agreement, dated July 14, 2025, between Oportun Financial Corporation, Findell Capital Management LLC and certain other persons

EX-10.1 Exhibit 10.1 Exhibit A to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. Oportun Financial Corporation 2 Circle Star Way San Carlos, CA 94070 July 14, 2025 Findell Capital Management LLC 88 Pine Street, 22nd Floor New York, NY 10005 Ladies and Gentlemen: This letter (this “Agreement”) constitutes the agreement between (a) Oportun Financial Corporation (“Company

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy State

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Pro

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Pro

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

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LETTER

June 16, 2025 Brian Finn Chief Investment Officer Findell Capital Management LLC 88 Pine Street, 22nd Fl.

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

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Oportun Completes $439 Million Asset Backed Securitization 5.67% average yield, 128 basis points lower than the previous ABS financing in January AAA rating on the most senior bonds – a first for the Company

Oportun Completes $439 Million Asset Backed Securitization 5.67% average yield, 128 basis points lower than the previous ABS financing in January AAA rating on the most senior bonds – a first for the Company SAN CARLOS, Calif., June 5, 2025 – Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the issuance of $439 million of two-year revolving fixed rate asset-back

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 June 5, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL COR

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 June 5, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of In

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DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Pr

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

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ARS

(Mark One) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORMlO-K 00 ANNUAL REPORT PURSUANT TO SECTION 13 OR lS(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 3 1, 2024 or 0 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number OOI-390SO OPORTUN FINANC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1 )

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy State

LETTER

May 14, 2025 Brian Finn Chief Investment Officer Findell Capital Management LLC 88 Pine Street, 22nd Fl.

II Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of

Exhibit 10.2 Certain information identified with brackets ([***]) has been excluded from this exhibit because such information is both (i) not material and (ii) competitively harmful if publicly disclosed Exhibits A-E and Schedules I-IV to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. LOAN AND SECURITY AGREEMENT among OPORTUN PLW III TRUST, as Borrower, OPORTUN PLW I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FI

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy State

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 May 8, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORP

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 May 8, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of Inc

Oportun Reports First Quarter 2025 Financial Results GAAP Net income of $9.8 million increased $36 million year-over-year GAAP EPS of $0.21 increased $0.89 year-over-year Adjusted EPS of $0.40 increased $0.31 year-over-year Operating expenses of $93

Oportun Reports First Quarter 2025 Financial Results GAAP Net income of $9.8 million increased $36 million year-over-year GAAP EPS of $0.21 increased $0.89 year-over-year Adjusted EPS of $0.40 increased $0.31 year-over-year Operating expenses of $93 million reduced 15% year-over-year Reiterating full year 2025 credit performance and profit expectations SAN CARLOS, CA – May 8, 2025 – Oportun Financ

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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 April 28, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL C

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 April 28, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No.1 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRAN

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No.1 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from       to       C

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Oportun Closes $187.5 Million Committed Warehouse Facility Increases total committed warehouse capacity to $954 Million

Oportun Closes $187.5 Million Committed Warehouse Facility Increases total committed warehouse capacity to $954 Million SAN CARLOS, Calif., April 2, 2025 (GLOBE NEWSWIRE) - Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the closing of a new warehouse facility. Features of this facility include: •$187.5 million total commitment •Natixis Corporate & Investment B

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 April 2, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of I

LETTER

March 28, 2025 Brian Finn Chief Investment Officer Findell Capital Management LLC 88 Pine Street, 22nd Fl.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy Stat

Current Report

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 March 17, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Pro

Filing fee table

Exhibit 107 Calculation of Filing Fee Tables S-8 (Form Type) Oportun Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common Stock, par value $0.

As filed with the Securities and Exchange Commission on February 27, 2025

As filed with the Securities and Exchange Commission on February 27, 2025 Registration No.

Indenture between Oportun Issuance Trust 2025-A and Wilmington Trust, National Association, dated as of January 16, 2025.

Exhibit 10.27 Exhibits A-N and Schedules 1-2 have been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN ISSUANCE TRUST 2025-A, as Issuer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, as Securities Intermediary and as Depositary Bank INDENTURE Dated as of January 16, 2025 5.01% Asset Backed Fixed Rate Notes, Class A 5.30% Asset Backed Fixed Rate Notes, Class B 5.89%

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FINANCI

Insider Trading Policy

Exhibit 19.1 OPORTUN FINANCIAL CORPORATION INSIDER TRADING POLICY INTRODUCTION This policy determines acceptable transactions in the securities of Oportun Financial Corporation (the “Company” or “Oportun”) by our employees, directors, consultants and advisors. During the course of your employment, directorship or consultancy with the Company, you may receive important information that is not yet p

List of Subsidiaries of Oportun Financial Corporation

Exhibit 21.1 LIST OF SUBSIDIARIES OF OPORTUN FINANCIAL CORPORATION The following is a list of subsidiaries of Oportun Financial Corporation and the state or other jurisdiction in which each was organized. This list does not include dormant subsidiaries or subsidiaries which, considered in the aggregate as a single subsidiary, would not constitute a significant subsidiary within the meaning of Item

Amendment to the Loan and Security Agreement by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of November 22, 2024.

Exhibit 10.14-10 Exhibits B-F to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K OPORTUN PLW TRUST MASTER AMENDMENT TO TRANSACTION DOCUMENTS This MASTER AMENDMENT TO TRANSACTION DOCUMENTS, dated as of November 22, 2024 (this “Amendment”), is entered into among: (i) OPORTUN PLW TRUST, as borrower (the “Borrower”); (ii) OPORTUN, INC., as seller (the “Seller”); (iii) OPORT

JOINT FILING STATEMENT

EX-99.1 2 ex-99-02142025100259.htm JOINT FILING AGREEMENT EXHIBIT 99.1 JOINT FILING STATEMENT We, the undersigned, hereby express our agreement that the attached statement on Schedule 13G relating to the common stock of Oportun Financial Corporation is filed on behalf of each of us. Dated: February 14, 2025 Institutional Venture Partners XIV, L.P. By: Institutional Venture Management XIV, LLC Its:

Oportun Reports Fourth Quarter and Full Year 2024 Financial Results Returned to GAAP profitability with net income of $9 million in fourth quarter Adjusted EBITDA of $41 million, up 315% year-over-year Quarterly annualized net charge-off rate of 11.7

Oportun Reports Fourth Quarter and Full Year 2024 Financial Results Returned to GAAP profitability with net income of $9 million in fourth quarter Adjusted EBITDA of $41 million, up 315% year-over-year Quarterly annualized net charge-off rate of 11.

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 February 7, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

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 February 7, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 January 16, 2025 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Oportun Completes $425 Million Asset Backed Securitization Transaction over seven times oversubscribed 6.95% average yield 127 basis points lower than prior August 2024 ABS financing

Oportun Completes $425 Million Asset Backed Securitization Transaction over seven times oversubscribed 6.

Oportun Financial Corporation Up to 4,853,006 Shares of Common Stock Offered by the Selling Securityholders

TABLE OF CONTENTS Filed Pursuant to Rule 424(b)(3) Registration No. 333-283989 PROSPECTUS   Oportun Financial Corporation Up to 4,853,006 Shares of Common Stock Offered by the Selling Securityholders This prospectus relates solely to the offer and sale from time to time of up to an aggregate of 4,853,006 shares of our common stock, par value $0.0001 per share, issuable upon the exercise of warrant

December 31, 2024

December 31, 2024 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549-3720 Attn: Madeleine Joy Mateo Re: Oportun Financial Corporation Registration Statement on Form S-3 File No. 333-283989 Filed on December 20, 2024 Acceleration Request Requested Date: January 3, 2025 Requested Time: 4:00 p.m. Eastern Time, or as soon thereaf

LETTER

December 30, 2024 Raul Vazquez Chief Executive Officer Oportun Financial Corporation 2 Circle Star Way San Carlos, CA 94070 Re: Oportun Financial Corporation Registration Statement on Form S-3 Filed December 20, 2024 File No.

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables S-3 (Form Type) Oportun Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common Stock, par value $0.

As filed with the Securities and Exchange Commission on December 20, 2024

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on December 20, 2024 Registration No.

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 November 22, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

OPRT / Oportun Financial Corporation / Castlelake L.p. - SC 13G Passive Investment

SC 13G 1 ef20038938sc13g.htm SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Oportun Financial Corporation (Name of Issuer) Common Stock, $0.0001 par value per share (Title of Class of Securities) 68376D104 (CUSIP Number) November 14, 2024 (Date of Event which Requires Filing of this Statement)

OPRT / Oportun Financial Corporation / NB Alternatives Advisers LLC Activist Investment

SC 13D 1 formsc13d-11202024091132.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 Oportun Financial Corporation (Name of Issuer) Common Stock, par value $0.0001 per share (Title of Class of Securities) 68376D104 (CUSIP Number) Christian Neira NB Alternatives Advisers LLC 1290 Avenue of the Americas New York, New Yor

Item 7

EX-99 3 ex99-11202024091136.htm Item 7 Material to be Filed as Exhibits Exhibit 99.1 Credit Agreement, dated as of October 23, 2024, by and among the Issuer, the Borrower, Wilmington Savings Fund Society, FSB, and the Lenders party thereto (incorporated by reference to Exhibit 10.1 to the Issuer’s Current Report on Form 8-K, filed with the SEC on October 29, 2024). Exhibit 99.2 Form of Warrant, is

Annex A Executive Officers of NB Alternatives Advisers LLC The following sets forth certain information regarding the executive officers of NB Alternatives Advisers LLC. Name Citizenship Present Principal Occupation or Employment Business Address Ant

EX-1 2 ex1-11202024091135.htm Annex A Executive Officers of NB Alternatives Advisers LLC The following sets forth certain information regarding the executive officers of NB Alternatives Advisers LLC. Name Citizenship Present Principal Occupation or Employment Business Address Anthony Tutrone USA Head of NB Alternatives Advisers LLC and Chief Executive Officer 1290 Avenue of the Americas New York,

Registration Rights Agreement, dated as of November 14, 2024, by and among Oportun Financial Corporation and the affiliates of Castlelake and Neuberger party thereto

Exhibit 4.2 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (the “Agreement”) is made and entered into as of November 14, 2024 by and among Oportun Financial Corporation, a Delaware corporation (the “Company”) and the Lenders (as defined below) party hereto as of the date hereof. The parties hereby agree as follows: 1.Certain Definitions. As used in this Agreement, the following t

Entry into a Material Definitive Agreement, Termination of a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 November 14, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

Form of Warrant

Exhibit 4.1 THE SECURITIES REPRESENTED HEREBY MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (1) PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”) OR (2) PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT, IN EACH CASE IN ACCORDANCE WITH ALL APPLICABLE STATE SECURITIES LAWS AND THE SECURITIES LAWS

Joint Filing Statement

EX-99.1 2 tm2427620d28ex99-1.htm EXHIBIT 99.1 CUSIP No. 68376D 10 4 13G Exhibit 99.1 EXHIBIT A JOINT FILING STATEMENT We, the undersigned, hereby express our agreement that the attached statement on Schedule 13G relating to the Common Stock of Oportun Financial Corporation is filed on behalf of each of us. Dated: November 14, 2024 INSTITUTIONAL VENTURE PARTNERS XIV, L.P. By: Institutional Venture

OPRT / Oportun Financial Corporation / Institutional Venture Partners XIV, L.P. - SC 13G/A Passive Investment

SC 13G/A 1 tm2427620d28sc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1 (b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2 (Amendment No. 3) Oportun Financial Corporation (Name of Issuer) Common Stock, $0.0001 par value per share (Title of Class

Oportun Completes Sale of its Credit Card Portfolio

Oportun Completes Sale of its Credit Card Portfolio SAN CARLOS, Calif., Nov. 12, 2024 (GLOBE NEWSWIRE) - Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it has closed the previously agreed upon sale of its credit card portfolio to Continental Finance. Completing the transaction reflects a key milestone towards Oportun’s initiative to enhance profitability

Oportun Reports Third Quarter 2024 Financial Results Met or outperformed each guidance metric Total operating expenses declined 17% year-over-year Credit card portfolio sale complete Corporate debt refinancing expected to close on November 14th

Oportun Reports Third Quarter 2024 Financial Results Met or outperformed each guidance metric Total operating expenses declined 17% year-over-year Credit card portfolio sale complete Corporate debt refinancing expected to close on November 14th SAN CARLOS, CA – November 12, 2024 – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the third quarter ended September 30, 2024.

Seventh Amendment to the Loan and Security Agreement by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of August 29, 2024.

Exhibit 10.2 OPORTUN PLW TRUST SEVENTH AMENDMENT TO THE LOAN AND SECURITY AGREEMENT This SEVENTH AMENDMENT TO THE LOAN AND SECURITY AGREEMENT, dated as of August 29, 2024 (this “Amendment”), is entered into among OPORTUN PLW TRUST, as borrower (the “Borrower”), OPORTUN PLW DEPOSITOR, LLC, as the depositor (the “Depositor”), OPORTUN, INC., as seller (the “Seller”), the various financial institution

Regulation FD Disclosure, Termination of a Material Definitive Agreement, Financial Statements and Exhibits, Results of Operations and Financial Condition, Completion of Acquisition or Disposition of Assets

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 November 10, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

Amendment to Indenture by and between Oportun CCW Trust and Wilmington Trust, National Association, dated as of

Exhibit 10.6 SCHEDULE II TO THIS EXHIBIT HAS BEEN OMITTED PURSUANT TO ITEM 601(A)(5) OF REGULATION S-K. OPORTUN CCW TRUST TWELFTH AMENDMENT TO INDENTURE This TWELFTH AMENDMENT TO INDENTURE, dated as of September 24, 2024 (this “Amendment”), is entered into among OPORTUN CCW TRUST, a special purpose Delaware statutory trust, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSOCIATION, a na

Loan and Security Agreement by and between Oportun PLW II Trust, Oportun PLW II Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of August 5, 2024.

Exhibit 10.5 Certain information identified with brackets ([***]) has been excluded from this exhibit because such information is both (i) not material and (ii) competitively harmful if publicly disclosed Exhibits A-E and Schedules I-IV to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. LOAN AND SECURITY AGREEMENT among OPORTUN PLW II TRUST, as Borrower, OPORTUN PLW II

Amendment to the Loan and Security Agreement by and among Oportun PLW II Trust, Oportun PLW II Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of November 1, 2024.

Exhibit 10.7 Schedule II to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN PLW II TRUST FIRST AMENDMENT TO THE LOAN AND SECURITY AGREEMENT This FIRST AMENDMENT TO THE LOAN AND SECURITY AGREEMENT, dated as of November 1, 2024 (this “Amendment”), is entered into among OPORTUN PLW II TRUST, as borrower (the “Borrower”), OPORTUN PLW II DEPOSITOR, LLC, as the deposi

Master Amendment to Transaction Documents by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of September 20, 2024.

Exhibit 10.3 Certain information identified with brackets ([***]) has been excluded from this exhibit because such information is both (i) not material and (ii) competitively harmful if publicly disclosed Schedule II to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN PLW TRUST MASTER AMENDMENT TO TRANSACTION DOCUMENTS This MASTER AMENDMENT TO TRANSACTION DOCUMEN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTU

Indenture between Oportun Issuance Trust 2024-2 and Wilmington Trust, National Association, dated as of August 29, 2024.

Exhibit 10.4 OPORTUN ISSUANCE TRUST 2024-2, as Issuer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, as Securities Intermediary and as Depositary Bank INDENTURE Dated as of August 29, 2024 5.86% Asset Backed Fixed Rate Notes, Class A 5.83% Asset Backed Fixed Rate Notes, Class B 6.61% Asset Backed Fixed Rate Notes, Class C 10.47% Asset Backed Fixed Rate Notes, Class D 1 4135-9031

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 November 1, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Business Update October 29, 2024 2 Forward-looking statements This presentation and the accompanying oral presentation contain forward-looking statements. All statements other than statements of historical fact contained in this presentation and the

Business Update October 29, 2024 2 Forward-looking statements This presentation and the accompanying oral presentation contain forward-looking statements.

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 October 23, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL

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 October 23, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Credit Agreement, dated as of October 23, 2024, by and among Oportun Financial Corporation, Oportun, Inc., Wilmington Savings Fund Society, FSB, and the Lenders party thereto.

Exhibit 10.1 Certain information identified with brackets ([***]) has been excluded from this exhibit because such information is both (i) not material and (ii) competitively harmful if publicly disclosed. Schedules 1.01(a) – 10.2 and Exhibits A-I to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. CREDIT AGREEMENT Dated as of October 23, 2024 among OPORTUN FINANCIAL CO

Oportun Announces Next Step to Optimize Capital Structure and Drive Improved Profitability Executes $235 million four-year Senior Secured Term Loan Facility agreement with Castlelake and Neuberger Berman for debt refinancing Announces preliminary Q3

Oportun Announces Next Step to Optimize Capital Structure and Drive Improved Profitability Executes $235 million four-year Senior Secured Term Loan Facility agreement with Castlelake and Neuberger Berman for debt refinancing Announces preliminary Q3 2024 financial results — meets or outperforms Total Revenue, Adjusted EBITDA and Annualized Net Charge-Off Rate guidance metrics In 2025, expects to deliver $0.

OPRT / Oportun Financial Corporation / ELLINGTON MANAGEMENT GROUP LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13 G-A Under the Securities Exchange Act of 1934 (Amendment No.

Oportun Announces $306 Million Committed Warehouse Facility Extension

Oportun Announces $306 Million Committed Warehouse Facility Extension SAN CARLOS, Calif.

Oportun Announces Definitive Agreement to Sell its Credit Card Portfolio

Oportun Announces Definitive Agreement to Sell its Credit Card Portfolio SAN CARLOS, Calif.

Receivables Purchase Agreement, dated as of September 24, 2024, by and among Oportun, Inc., Oportun CCW Trust, Oportun CCW Depositor, LLC and Continental Purchasing, LLC.

Exhibit 10.1 Schedules 1-6 and Exhibits A-B to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. RECEIVABLES PURCHASE AND SALE AGREEMENT among OPORTUN, INC. OPORTUN CCW TRUST OPORTUN CCW DEPOSITOR, LLC and CONTINENTAL PURCHASING, LLC Dated as of September 24, 2024 TABLE OF CONTENTS Page ARTICLE 1 - DEFINITIONS 4 1.1 Definitions 4 1.2 Construction 13 ARTICLE 2 - PURCHASE

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 September 20, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCI

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 September 20, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 August 29, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Oportun Completes $223 Million Asset Backed Securitization

Oportun Completes $223 Million Asset Backed Securitization SAN CARLOS, Calif., August 29, 2024 – Oportun (Nasdaq: OPRT), a mission-driven fintech, today announced the issuance of $223.25 million of fixed rate asset-backed notes secured by a pool of unsecured and secured installment loans. The offering included four classes of fixed rate notes: Class A, Class B, Class C, and Class D. KBRA rated all

Eleventh Amendment to Indenture by and between Oportun CCW Trust and Wilmington Trust, National Association, dated as of

Exhibit 10.2 Execution Version Exhibit E and Schedule II to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN CCW TRUST ELEVENTH AMENDMENT TO INDENTURE This ELEVENTH AMENDMENT TO INDENTURE, dated as of April 30, 2024 (this "Amendment"), is entered into among OPORTUN CCW TRUST, a special purpose Delaware statutory trust, as issuer (the "Issuer"), and WILMINGTON TR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FIN

Oportun Announces $245 Million Committed Warehouse Facility

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Oportun Reports Second Quarter 2024 Financial Results Met or exceeded each guidance metric Total operating expenses declined 20% year-over-year New collaboration with Western Union to provide lending service Signed letter of intent to sell credit car

Oportun Reports Second Quarter 2024 Financial Results Met or exceeded each guidance metric Total operating expenses declined 20% year-over-year New collaboration with Western Union to provide lending service Signed letter of intent to sell credit card portfolio $245M warehouse facility executed after quarter-end SAN CARLOS, CA – August 8, 2024 – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the second quarter ended June 30, 2024.

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Results of Operations and Financial Condition

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 August 5, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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 June 26, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Def

Financial Statements and Exhibits, Costs Associated with Exit or Disposal Activities

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 May 22, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of In

OPRT / Oportun Financial Corporation / FINDELL CAPITAL MANAGEMENT LLC - AMENDMENT NO. 5 TO THE SCHEDULE 13D Activist Investment

SC 13D/A 1 sc13da51398200205142024.htm AMENDMENT NO. 5 TO THE SCHEDULE 13D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 5)1 Oportun Financial Corporation (Name of Issuer) Common Stock, $0.0001 par val

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ D

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy Stat

Indenture between Oportun Issuance Trust 2024-1 and Wilmington Trust, National Association, dated as of February 13, 2024.

Exhibit 10.6 EXECUTION VERSION Exhibits A-M and Schedules 1-3 have been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN ISSUANCE TRUST 2024-1, as Issuer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, as Securities Intermediary and as Depositary Bank INDENTURE Dated as of February 13, 2024 6.334% Asset Backed Fixed Rate Notes, Class A 6.546% Asset Backed Fixed Rate

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FI

Master Amendment to Transaction Documents by and between Oportun CCW Trust, Oportun CCW Depositor, LLC, Oportun, Inc., Wilmington Trust, National Association, and WebBank, dated as of

Exhibit 10.3-1 EXECUTION VERSION Exhibit B to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN CCW TRUST MASTER AMENDMENT TO TRANSACTION DOCUMENTS This MASTER AMENDMENT TO TRANSACTION DOCUMENTS, dated as of January 31, 2024 (this “Amendment”), is entered into among: (i) OPORTUN CCW TRUST, as issuer (the “Issuer”); (ii) OPORTUN, INC., as servicer (in such capacity

Amendment to Indenture by and between Oportun CCW Trust and Wilmington Trust, National Association, dated as of

Exhibit 10.3-2 Execution Version Schedule II to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN CCW TRUST NINTH AMENDMENT TO INDENTURE This NINTH AMENDMENT TO INDENTURE, dated as of February 29, 2024 (this “Amendment”), is entered into among OPORTUN CCW TRUST, a special purpose Delaware statutory trust, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL AS

Amendment to Indenture by and between Oportun CCW Trust and Wilmington Trust, National Association, dated as of

Exhibit 10.3-3 Execution Version Schedule II to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN CCW TRUST TENTH AMENDMENT TO INDENTURE This TENTH AMENDMENT TO INDENTURE, dated as of March 28, 2024 (this “Amendment”), is entered into among OPORTUN CCW TRUST, a special purpose Delaware statutory trust, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSOC

Sixth Amendment to the Loan and Security Agreement by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of February 29, 2024.

Exhibit 10.4 Execution Version Schedule II to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN PLW TRUST SIXTH AMENDMENT TO THE LOAN AND SECURITY AGREEMENT This SIXTH AMENDMENT TO THE LOAN AND SECURITY AGREEMENT, dated as of February 29, 2024 (this “Amendment”), is entered into among OPORTUN PLW TRUST, as borrower (the “Borrower”), OPORTUN PLW DEPOSITOR, LLC, as

First Amendment to the Receivables Loan and Security Agreement, dated as of March 22, 2024, by and among Oportun CL Trust 2023-A, Oportun, Inc., and Oportun CL Depositor, LLC, Wilmington Trust, National Association and the Lenders party thereto.

Exhibit 10.5 Execution Version Certain information contained in this exhibit, marked by [***], has been excluded from this exhibit because the registrant has determined that it is both not material and is the type that the registrant treats as private or confidential. AMENDMENT NO. 1 TO RECEIVABLES LOAN AND SECURITY AGREEMENT This AMENDMENT NO. 1 (this “Amendment”), dated as of March 22, 2024 (the

Oportun Reports First Quarter 2024 Financial Results Strong performance versus guidance Total operating expenses declined 15% sequentially and 25% year-over-year GAAP net loss sharply reduced by $76M year-over-year, returned to adjusted profitability

Oportun Reports First Quarter 2024 Financial Results Strong performance versus guidance Total operating expenses declined 15% sequentially and 25% year-over-year GAAP net loss sharply reduced by $76M year-over-year, returned to adjusted profitability Additional $150M whole loan sale agreement executed in May Raising full year 2024 Total Revenue and Adjusted EBITDA guidance SAN CARLOS, CA – May 9, 2024 – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the first quarter ended March 31, 2024.

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 May 9, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box: ☒ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))  ☐ D

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No.1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No.1 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-3905

OPRT / Oportun Financial Corporation / FIN Capital Partners LP - AMENDMENT NO. 4 TO THE SCHEDULE 13D Activist Investment

SC 13D/A 1 sc13da41398200204232024.htm AMENDMENT NO. 4 TO THE SCHEDULE 13D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 4)1 Oportun Financial Corporation (Name of Issuer) Common Stock, $0.0001 par val

JOINT FILING AGREEMENT

EX-99.2 2 ex992to13da413982002042324.htm THE JOINT FILING AGREEMENT Exhibit 99.2 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k)(1)(iii) under the Securities Exchange Act of 1934, as amended, the persons named below agree to the joint filing on behalf of each of them of a Statement on Schedule 13D (including additional amendments thereto) with respect to the Common Stock, $0.0001 par value

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 April 19, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL C

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 April 19, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Letter Agreement, dated April 19, 2024, between Oportun Financial Corporation, Findell Capital Management LLC and certain other persons

Exhibit 10.1 EXECUTION VERSION Exhibit A to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. Oportun Financial Corporation 2 Circle Star Way San Carlos, CA 94070 April 19, 2024 Findell Capital Management LLC 88 Pine Street, 22nd Floor New York, NY 10005 Ladies and Gentlemen: This letter (this “Agreement”) constitutes the agreement between (a) Oportun Financial Corporatio

Oportun Appoints Scott Parker to its Board of Directors in Cooperation with Findell Capital Richard Tambor Appointed Board Observer, to Stand for Election at the Company’s 2024 Annual Shareholder Meeting

Oportun Appoints Scott Parker to its Board of Directors in Cooperation with Findell Capital Richard Tambor Appointed Board Observer, to Stand for Election at the Company’s 2024 Annual Shareholder Meeting SAN CARLOS, Calif.

Oportun Announces Preliminary Q1 2024 Financial Information Schedules First Quarter 2024 Earnings Release and Conference Call for Thursday, May 9, 2024

Oportun Announces Preliminary Q1 2024 Financial Information Schedules First Quarter 2024 Earnings Release and Conference Call for Thursday, May 9, 2024 SAN CARLOS, Calif.

JOINT FILING AGREEMENT

EX-1 2 ex1.htm EXHIBIT 1 Exhibit 1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, each of the undersigned acknowledges and agrees that the foregoing statement on this Schedule 13G is filed on behalf of the undersigned and that all subsequent amendments to this statement on Schedule 13G shall be filed on behalf of the undersigned without the

OPRT / Oportun Financial Corporation / Long Focus Capital Management, Llc - SC 13G Passive Investment

SC 13G 1 oportun13g.htm SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* OPORTUN FINANCIAL CORPORATION (Name of Issuer) Common Stock (Title of Class of Securities) 68376D104 (CUSIP Number) Long Focus Capital Management LLC 207 Calle Del Parque A&M Tower, 8th Floor San Juan, PR 00912 (787) 333-024

OPRT / Oportun Financial Corporation / FIN Capital Partners LP - AMENDMENT NO. 3 TO THE SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(a) (Amendment No.

As filed with the Securities and Exchange Commission on March 18, 2024

As filed with the Securities and Exchange Commission on March 18, 2024 Registration No.

Filing fee table

Exhibit 107 Calculation of Filing Fee Tables S-8 (Form Type) Oportun Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common Stock, par value $0.

Amendment to Indenture by and between Oportun RF, LLC and Wilmington Trust, National Association, dated as of

Exhibit 10.17-8 Execution Version OPORTUN RF, LLC SEVENTH AMENDMENT TO INDENTURE This SEVENTH AMENDMENT TO INDENTURE, dated as of February 29, 2024 (this “Amendment”), is entered into among OPORTUN RF, LLC, a special purpose Delaware limited liability company, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSOCIATION, a national banking association with trust powers, as indenture truste

Amendment to Indenture by and between Oportun CCW Trust and Wilmington Trust, National Association, dated as of December 22, 2023.

Exhibit 10.18-9 Execution Version Schedule II to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN CCW TRUST SEVENTH AMENDMENT TO INDENTURE This SEVENTH AMENDMENT TO INDENTURE, dated as of December 22, 2023 (this “Amendment”), is entered into among OPORTUN CCW TRUST, a special purpose Delaware statutory trust, as issuer (the “Issuer”), and WILMINGTON TRUST, NATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FINANCI

Receivables Loan and Security Agreement, dated as of October 20, 2023, by and among Oportun CL Trust 2023-A, Oportun, Inc., and Oportun CL Depositor, LLC, Wilmington Trust, National Association and the Lenders party thereto.

Exhibit 10.24 EXECUTION VERSION Certain information contained in this exhibit, marked by [***], has been excluded from this exhibit because the registrant has determined that it is both not material and is the type that the registrant treats as private or confidential. Exhibits A-H and Schedules I-III to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. RECEIVABLES LOAN

nsider Trading Policy

Exhibit 19.1 OPORTUN FINANCIAL CORPORATION INSIDER TRADING POLICY INTRODUCTION This policy determines acceptable transactions in the securities of Oportun Financial Corporation (the “Company” or “Oportun”) by our employees, directors, consultants and advisors. During the course of your employment, directorship or consultancy with the Company, you may receive important information that is not yet p

Amendment to Indenture by and between Oportun CCW Trust and Wilmington Trust, National Association, dated as of

Exhibit 10.18-7 Execution Version Schedule II to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN CCW TRUST FIFTH AMENDMENT TO INDENTURE This FIFTH AMENDMENT TO INDENTURE, dated as of July 27, 2023 (this “Amendment”), is entered into among OPORTUN CCW TRUST, a special purpose Delaware statutory trust, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSOC

Sixth Amendment to Indenture by and between Oportun RF, LLC and Wilmington Trust, National Association, dated as of December 20, 2023.

Exhibit 10.17-7 Execution Copy OPORTUN RF, LLC SIXTH AMENDMENT TO INDENTURE This SIXTH AMENDMENT TO INDENTURE, dated as of December 20, 2023 (this “Amendment”), is entered into among OPORTUN RF, LLC, a special purpose Delaware limited liability company, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSOCIATION, a national banking association with trust powers, as indenture trustee (in s

Description of the Company's Capital Stock.

Exhibit 4.4 DESCRIPTION OF CAPITAL STOCK General The following description summarizes the most important terms of our capital stock. Because it is only a summary, it does not contain all the information that may be important to you. For a complete description of the matters set forth in this “Description of Capital Stock,” you should refer to our amended and restated certificate of incorporation a

Compensation Recovery Policy

Exhibit 97.1 OPORTUN FINANCIAL CORPORATION COMPENSATION RECOVERY (“CLAWBACK”) POLICY Effective November 29, 2023 Oportun Financial Corporation (the “Company”) is committed to strong corporate governance. As part of this commitment, the Company’s Board of Directors (the “Board”) has adopted this Compensation Recovery (“Clawback”) Policy. This Policy is intended to further the Company’s pay-for-perf

List of Subsidiaries of Oportun Financial Corporation

Exhibit 21.1 LIST OF SUBSIDIARIES OF OPORTUN FINANCIAL CORPORATION The following is a list of subsidiaries of Oportun Financial Corporation and the state or other jurisdiction in which each was organized. This list does not include dormant subsidiaries or subsidiaries which, considered in the aggregate as a single subsidiary, would not constitute a significant subsidiary within the meaning of Item

Master Amendment to Transaction Documents by and between Oportun CCW Trust, Oportun CCW Depositor, LLC, Oportun, Inc., Wilmington Trust, National Association, and WebBank, dated as of November 28, 2023.

Exhibit 10.18-8 EXECUTION VERSION Exhibit B to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN CCW TRUST MASTER AMENDMENT TO TRANSACTION DOCUMENTS This MASTER AMENDMENT TO TRANSACTION DOCUMENTS, dated as of November 28, 2023 (this “Amendment”), is entered into among: (i) OPORTUN CCW TRUST, as issuer (the “Issuer”); (ii) OPORTUN, INC., as servicer (in such capaci

Eighth Amendment to Indenture by and between Oportun RF, LLC and Wilmington Trust, National Association, dated as of March 8, 2024.

Exhibit 10.1 Execution Copy Schedule 3 to this exhibit has been omitted pursuant to Item 601(a)(5) of Regulation S-K. OPORTUN RF, LLC EIGHTH AMENDMENT TO INDENTURE This EIGHTH AMENDMENT TO INDENTURE, dated as of March 8, 2024 (this “Amendment”), is entered into among OPORTUN RF, LLC, a special purpose Delaware limited liability company, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSO

Amendment No. 3 to Credit Agreement, dated as of March 12, 2024, by and among Oportun Financial Corporation, the Subsidiary Guarantors party thereto, Wilmington Trust, National Association, and the Lenders party thereto.

Exhibit 10.2 EXECUTION VERSION [***] = Certain information contained in this document, marked by brackets, has been omitted because it is both not material and would be competitively harmful if publicly disclosed. Annexes B to this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. AMENDMENT NO. 3 TO CREDIT AGREEMENT This Amendment No. 3 to Credit Agreement (this “Amendment”),

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 March 8, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CO

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 March 8, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of I

Oportun Reports Fourth Quarter and Full Year 2023 Financial Results 4Q23 Total revenue of $263 million, bringing FY23 to $1.1 billion, up 11% year-over-year Quarterly operating expense down 15% $30 million in additional operating expense reductions a

Oportun Reports Fourth Quarter and Full Year 2023 Financial Results 4Q23 Total revenue of $263 million, bringing FY23 to $1.

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 March 12, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

JOINT FILING AND SOLICITATION AGREEMENT

Exhibit 99.1 JOINT FILING AND SOLICITATION AGREEMENT WHEREAS, certain of the undersigned are stockholders, direct or beneficial, of Oportun Financial Corporation, a Delaware corporation (the “Company”); and WHEREAS, Findell Capital Partners, LP, Finn Management GP LLC, Findell Capital Management LLC, and Brian A. Finn (collectively, “Findell”), Susan Ehrlich, Scott Parker, and David Tomlinson wish

OPRT / Oportun Financial Corporation / FIN Capital Partners LP - AMENDMENT NO. 2 TO THE SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 2)1 Oportun Financial Corporation (Name of Issuer) Common Stock, $0.0001 par value per share (Title of Class of Securities) 68376D104 (CUSIP Number) FINDEL

FINDELL CAPITAL PARTNERS, LP 88 Pine Street, Suite 2240 New York, NY 10005

Exhibit 99.2 FINDELL CAPITAL PARTNERS, LP 88 Pine Street, Suite 2240 New York, NY 10005 March 7, 2024 Re: Oportun Financial Corporation Dear Mr. Tomlinson: Thank you for agreeing to serve as a nominee for election to the Board of Directors of Oportun Financial Corporation, a Delaware corporation (the “Company”), in connection with the proxy solicitation that Findell Capital Partners, LP and certai

POWER OF ATTORNEY

EX-99.3 4 ex993to13da213982002031124.htm THE POWERS OF ATTORNEY Exhibit 99.3 POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints Jason Abrams as the undersigned’s true and lawful attorney-in-fact to take any and all action in connection with (i) the undersigned’s beneficial ownership of, or participation in a group with respect to, securities of Oport

OPRT / Oportun Financial Corporation / FIN Capital Partners LP - AMENDMENT NO. 1 TO THE SCHEDULE 13D Activist Investment

SC 13D/A 1 sc13da11398200202262024.htm AMENDMENT NO. 1 TO THE SCHEDULE 13D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 1)1 Oportun Financial Corporation (Name of Issuer) Common Stock, $0.0001 par val

OPRT / Oportun Financial Corporation / NB Alternatives Advisers LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Oportun Financial Corporation (Name of Issuer) Common (Title of Class of Securities) 68376D104 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 February 13, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

Oportun Completes $200 Million Asset Backed Securitization

Oportun Completes $200 Million Asset Backed Securitization SAN CARLOS, Calif., February 13, 2024 – Oportun (Nasdaq: OPRT), a mission-driven fintech, today announced the issuance of $200 million of fixed rate asset-backed notes secured by a pool of unsecured and secured installment loans. The offering included four classes of fixed rate notes: Class A, Class B, Class C, and Class D. KBRA rated all

Joint Filing Statement

EX-99.1 2 tm245429d25ex99-1.htm EXHIBIT 99.1 CUSIP No. 68376D 10 4 13G Exhibit 99.1 EXHIBIT A JOINT FILING STATEMENT We, the undersigned, hereby express our agreement that the attached statement on Schedule 13G relating to the Common Stock of Oportun Financial Corporation is filed on behalf of each of us. Dated: February 13, 2024 INSTITUTIONAL VENTURE PARTNERS XIV, L.P. By: Institutional Venture M

OPRT / Oportun Financial Corporation / KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC Passive Investment

SC 13G/A 1 fp0086862-39sc13ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 7)* OPORTUN FINANCIAL CO (Name of Issuer) Common Stock (Title of Class of Securities) 68376D104 (CUSIP Number) December 31,

OPRT / Oportun Financial Corporation / Institutional Venture Partners XIV, L.P. - SC 13G/A Passive Investment

SC 13G/A 1 tm245429d25sc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1 (b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2 (Amendment No. 2) Oportun Financial Corporation (Name of Issuer) Common Stock, $0.0001 par value per share (Title of Class

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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 February 3, 2024 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Oportun Appoints Two New Independent Members to its Board of Directors

Oportun Appoints Two New Independent Members to its Board of Directors SAN CARLOS, Calif.

OPRT / Oportun Financial Corporation / ELLINGTON MANAGEMENT GROUP LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13 G-A Under the Securities Exchange Act of 1934 (Amendment No.

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

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 December 20, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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 December 6, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Form of Performance-Based Restricted Stock Unit Award Agreement

Oportun Financial Corporation Performance-Based RSU Award Grant Notice (2019 Equity Incentive Plan) Oportun Financial Corporation (the “Company”) has awarded to you (the “Participant”) the number of performance-based restricted stock units (“Performance-Based Restricted Stock Units”) specified and on the terms set forth below in consideration of your services (the “PSU Award”).

JOINT FILING AGREEMENT

Exhibit 99.1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k)(1)(iii) under the Securities Exchange Act of 1934, as amended, the persons named below agree to the joint filing on behalf of each of them of a Statement on Schedule 13D (including additional amendments thereto) with respect to the Common Stock, $0.0001 par value per share, of Oportun Financial Corporation, a Delaware corporation

OPRT / Oportun Financial Corp / FIN Capital Partners LP - SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(a) (Amendment No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTU

Oportun Reports Third Quarter 2023 Financial Results Record revenue of $268 million, 7% year-over-year growth Quarterly operating expense of $123 million, lowest in two years Two new personal loan financing agreements totaling up to $267 million exec

Oportun Reports Third Quarter 2023 Financial Results Record revenue of $268 million, 7% year-over-year growth Quarterly operating expense of $123 million, lowest in two years Two new personal loan financing agreements totaling up to $267 million executed $80 million in additional annualized operating expense reductions, streamlining product suite SAN CARLOS, CA – November 6, 2023 – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the third quarter ended September 30, 2023.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Costs Associated with Exit or Disposal Activities, Results of Operations and Financial Condition

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 November 3, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Castlelake to Provide $200 Million Private Structured Financing Solution to Oportun to Finance Personal Loan Product

Castlelake to Provide $200 Million Private Structured Financing Solution to Oportun to Finance Personal Loan Product MINNEAPOLIS, Minn.

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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 October 20, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Oportun Announces Series of Corporate Governance Enhancements

Oportun Announces Series of Corporate Governance Enhancements SAN CARLOS, Calif., Oct. 11, 2023 – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun” or the “Company”), a mission-driven fintech, announced today that its Board of Directors (the “Board”) approved a series of proactive corporate governance enhancements that reflect the Company’s commitment to drive stockholder value. The Company

Regulation FD Disclosure, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

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 October 10, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction o

Amended and Restated Bylaws of Oportun Financial Corporation.

AMENDED AND RESTATED BYLAWS OF OPORTUN FINANCIAL CORPORATION (as amended and restated on October 10, 2023) Table of Contents Page Article I OFFICES 1 Section 1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FIN

Fifth Amendment to the Loan and Security Agreement by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of June 29, 2023.

EXECUTION COPY OPORTUN PLW TRUST FIFTH AMENDMENT TO THE LOAN AND SECURITY AGREEMENT This FIFTH AMENDMENT TO THE LOAN AND SECURITY AGREEMENT, dated as of June 29, 2023 (this “Amendment”), is entered into among OPORTUN PLW TRUST, as borrower (the “Borrower”), OPORTUN PLW DEPOSITOR, LLC, as the depositor (the “Depositor”), OPORTUN, INC.

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 August 8, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL C

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 August 8, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of

Oportun Reports Strong Second Quarter 2023 Financial Results Record revenue of $267 million, 18% year-over-year growth Guiding to lower losses in second half Lowest quarterly operating expense since 2021, 14% year-over-year decline Two new whole loan

Oportun Reports Strong Second Quarter 2023 Financial Results Record revenue of $267 million, 18% year-over-year growth Guiding to lower losses in second half Lowest quarterly operating expense since 2021, 14% year-over-year decline Two new whole loan flow sale agreements totaling up to $700 million executed Total members exceed 2 million SAN CARLOS, CA – August 8, 2023 – Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the second quarter ended June 30, 2023.

OPRT / Oportun Financial Corp / BlackRock Inc. Passive Investment

us68376d1046070723.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 3) Oportun Financial Corp - (Name of Issuer) Common Stock - (Title of Class of Securities) 68376D104 - (CUSIP Number) June 30, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

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 June 30, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CO

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 June 30, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of I

As filed with the Securities and Exchange Commission on June 15, 2023

As filed with the Securities and Exchange Commission on June 15, 2023 Registration No.

Amended and Restated 2021 Inducement Equity Incentive Plan and Form of Award Notice and Agreement

Oportun Financial Corporation Amended and Restated 2021 Inducement Equity Incentive Plan 1.

Filing fee table

Exhibit 107 Calculation of Filing Fee Tables S-8 (Form Type) Oportun Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common Stock, par value $0.

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 June 14, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CO

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 June 14, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of I

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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 June 6, 2023 Date of Report (date of earliest event reported) OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 001-39050 Delaware 45-3361983 State or Other Jurisdiction of In

Oportun Financial Corporation Up to 4,193,453 Shares of Common Stock Offered by the Selling Securityholders

Filed Pursuant to Rule 424(b)(3) Registration No. 333-271594 PROSPECTUS Oportun Financial Corporation Up to 4,193,453 Shares of Common Stock Offered by the Selling Securityholders This prospectus relates solely to the offer and sale from time to time of up to an aggregate of 4,193,453 shares of our common stock, par value $0.0001 per share, issuable upon the exercise of warrants to purchase shares

As filed with the Securities and Exchange Commission on May 25, 2023

As filed with the Securities and Exchange Commission on May 25, 2023 Registration No.

May 25, 2023

May 25, 2023 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549-3720 Attn: Robert Arzonetti Re: Oportun Financial Corporation Registration Statement on Form S-3 File No. 333-271594 Filed on May 3, 2023 Acceleration Request Requested Date: May 25, 2023 Requested Time: 9:00 a.m. Eastern Time Ladies and Gentlemen: Pursuant to Ru

LETTER

United States securities and exchange commission logo May 22, 2023 Raul Vazquez Chief Executive Officer Oportun Financial Corporation 2 Circle Star Way San Carlos, CA 94070 Re: Oportun Financial Corporation Registration Statement on Form S-3 Filed May 3, 2023 File No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39050 OPORTUN FI