Financial Obligation (Form 8-K)

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

On January 15, 2026, IMAC Holdings, Inc. (the "Company") issued a promissory note (the "Note") to a certain lender (the "Lender") in the aggregate principal amount of $292,600 for an aggregate purchase price from the Lenders of $209,000.

The Note is secured and matures on January 31, 2026. The Company may prepay any portion of the outstanding principal at any time without penalty.

The Note includes customary representations, warranties and covenants and sets forth certain events of default after which the outstanding principal may be declared immediately due and payable, including certain types of bankruptcy or insolvency events of default involving the Company.

The foregoing description of the Note is not complete and is qualified in its entirety by reference to the full text of the Note, a copy of the form of which is filed as Exhibit 4.1 to this Current Report on Form 8-K and is incorporated herein by reference.