(Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: +1 651 504 5402 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, 2022 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 000-56267 SE ...

Merger and Acquisition - The company is in the process of completing a merger with Zip Co Limited, which was announced on February 28, 2022, and is subject to various conditions that may affect its completion[11] - The proposed merger is expected to enhance operational efficiencies, potentially resulting in cost savings of approximately $10 million annually post-merger[12] - The proposed merger with Zip Co Limited is subject to various risks, including the potential failure to satisfy conditions for completion and the impact on business operations[3] User Growth and Market Expansion - The company reported a significant increase in its user base, with a growth rate of 25% year-over-year, reaching a total of 5 million active users[7] - Future revenue projections estimate a growth of 15% for the next fiscal year, driven by the expansion of the merchant network and increased consumer adoption of the buy-now, pay-later (BNPL) model[9] - The company plans to expand its market presence internationally, targeting key regions in Europe and Asia, which could contribute to a 20% increase in revenue over the next two years[9] - There is a need to expand the merchant network and consumer base to sustain growth and market presence[3] Regulatory and Compliance Challenges - The company is facing increased regulatory scrutiny in the BNPL industry, which may impact operational costs and compliance requirements[10] - The BNPL industry may face increased regulatory scrutiny, which could affect the company's operations and financial results[3] - Compliance with various laws and regulations in the BNPL industry is essential and may incur significant costs[3] Financial Performance and Risks - The company has identified risks related to consumer bad debts, which could adversely affect financial performance, particularly in a volatile economic environment[10] - The company has a limited operating history and has experienced operating losses, posing risks to future performance[3] - The company may require additional capital to support its operations and growth initiatives[3] - Macroeconomic conditions significantly influence consumer spending, which is critical for the company's success[3] Operational Efficiency and Security - The integration of new technologies is underway, with a focus on enhancing the platform's security features to mitigate risks associated with cyberattacks[20] - The company faces risks related to data security breaches and cyberattacks, which could disrupt operations[3] Strategic Relationships and Public Benefit - Management highlighted the importance of maintaining relationships with key partners and merchants to ensure continued growth and market share retention[12] - The company is committed to achieving its public benefit purpose while balancing financial performance, which may influence strategic decisions moving forward[20] - Maintaining B Corporation certification and achieving public benefit goals may impact financial performance and stakeholder interests[3] Competitive Environment - The company operates in a highly competitive environment, which may impact its ability to retain market share and manage growth effectively[3]

(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, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Commission file number 000-56267 SEZZLE INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or or ...

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, 2021 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 000-56267 SEZZLE INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organiz ...