Proxy Statement (Form DEF 14A)

CREDITRISKMONITOR.COM, INC.

Address Not Applicable¹

NOTICE OF ANNUAL MEETING OF STOCKHOLDERS

TO BE HELD ON AUGUST 12, 2026

To the Stockholders of CreditRiskMonitor.com, Inc.:

NOTICE IS HEREBY GIVEN that the Annual Meeting of Stockholders of CreditRiskMonitor.com, Inc., a Nevada corporation (the "Company"), will be held on August 12, 2026 at 520 White Plains Road, Suite 500, Tarrytown, New York 10591, at 9:00 A.M. Eastern Time, for the following purposes:

Only stockholders of record at the close of business on June 15, 2026 are entitled to notice of and to vote at the meeting or at any adjournment thereof.

Important notice regarding the availability of Proxy Materials: The proxy statement and the Company's Annual Report on Form 10-K for the year ended December 31, 2025 are available electronically at www.proxyvote.com.

June 29, 2026

1

We are a remote-only company. Accordingly, we do not maintain a headquarters. For purposes of compliance with applicable requirements of the Securities Act of 1933 and Securities Exchange Act of 1934, each as amended, any stockholder communication required to be sent to our principal executive offices may be directed to the agent for service of process at InCorp Services, Inc., 9107 West Russell Road Suite 100, Las Vegas, NV, 89148-1233.

Any person giving a proxy in the form accompanying this proxy statement has the power to revoke it at any time before its exercise. The proxy may be revoked by filing with us written notice of revocation or a fully executed proxy bearing a later date. The proxy may also be revoked by affirmatively electing to vote in person while in attendance at the meeting. However, a stockholder who attends the meeting need not revoke a proxy given and vote in person unless the stockholder wishes to do so. Written revocations or amended proxies should be sent to us at InCorp Services, Inc., 9107 West Russell Road Suite 100, Las Vegas, NV, 89148-1233, Attention: Corporate Secretary. Those voting by Internet or by telephone may also revoke their proxy by voting in person at the meeting or by voting and submitting their proxy at a later time by Internet or by telephone.

The Company's stockholders do not have appraisal rights with respect to the matters to be voted upon at the annual meeting.

The proxy is being solicited by the Board. We will bear the cost of the solicitation of proxies, including the charges and expenses of brokerage firms and other custodians, nominees and fiduciaries for forwarding proxy materials to beneficial owners of the Company's shares. Solicitations will be made primarily by mail, but certain of the directors, officers or employees may solicit proxies in person or by telephone, telecopier or email without special compensation.

A list of stockholders entitled to vote at the meeting will be available for examination by any stockholder for any purpose germane to the meeting, during ordinary business hours, for ten (10) days prior to the meeting, at the offices of the Company's Corporate Secretary at Keating Muething & Klekamp PLL, One East Fourth Street Suite 1400, Cincinnati, OH 45202, and also during the whole time of the meeting for inspection by any stockholder who is present. To contact us, stockholders should call Michael Flum at (845) 230-3037 to set up an appointment for examination.

EXECUTIVE COMPENSATION

SUMMARY COMPENSATION TABLE

The following table sets forth all cash compensation paid or to be paid to the Company's executive officers during each of the fiscal years presented.

OUTSTANDING EQUITY AWARDS

The following table sets forth all stock options granted to the Company's executive officers as of December 31, 2025.

The following table sets forth all outstanding equity awards granted to the Company's executive officers during the last fiscal year.

The closing market price of the Company's common stock on December 31, 2025 was $2.70 per share.

While the Compensation Committee has the discretion under applicable plan documents to determine the vesting terms of stock option awards, the plan documents also establish default vesting provisions. The awards in the table granted prior to the adoption of the 2020 Long-Term Incentive Plan ("2020 Plan") were issued pursuant to the Company's 2009 Long-Term Incentive Plan ("2009 Plan"). All of the stock options granted under the 2009 Plan and 2020 Plan may be exercised in installments after a specified number of years upon the attainment of a specified length of service. In the event of a change in control (as defined), the stock options will vest in full at the time of such change in control.

DIRECTOR COMPENSATION

The following table sets forth all cash compensation paid by the Company to the non-employee directors during each of the fiscal years presented.

PAY VERSUS PERFORMANCE

As required by Section 953(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and Item 402(v) of Regulation S-K, we are providing the following information about the relationship between compensation actually paid to our Principal Executive Officer (the "PEO") and the other named executive officers (the "Non-PEO named executive officers") and certain financial performance metrics of the Company using a methodology that has been prescribed by the Securities and Exchange Commission ("SEC").

The following table shows the fiscal 2025 amounts deducted from the Summary Compensation Table total compensation to calculate the "Compensation Actually Paid" to our PEO and Non-PEO named executive officers in accordance with the Pay Versus Performance Rules.

SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

AND RELATED STOCKHOLDER MATTERS

The following table sets forth as of June 15, 2026 information regarding the beneficial ownership of the Company's voting securities (i) by each person or group known by the Company to be the owner of record or beneficially of more than five percent of the Company's voting securities, (ii) by each of the Company's directors and executive officers, and (iii) by all directors and executive officers of the Company as a group. Except as indicated in the following notes, the owners have sole voting and investment power with respect to the shares. Unless otherwise noted, each owner's mailing address is c/o CreditRiskMonitor.com, Inc., at InCorp Services, Inc., 9107 West Russell Road Suite 100, Las Vegas, NV, 89148-1233.

The Company's current equity compensation plan approved by stockholders is the 2020 Plan. The 2020 Plan provides for the grant of options and other awards up to an aggregate of 1,000,000 shares of common stock. The Company's previous equity compensation plan approved by stockholders was the 2009 Plan. The 2009 Plan provided for the grant of options and other awards up to an aggregate of 1,000,000 shares of common stock. The 2009 Plan expired at the end of 2019.

The following table summarizes information about the Company's common stock that may be issued upon the exercise of options, warrants and rights under all equity compensation plans of the Company as of December 31, 2025.

In response to Item 402(x)(1) of Regulation S-K, the Company does not grant new awards of stock options, stock appreciation rights or similar option-like instruments in anticipation of material nonpublic information. Accordingly, the Company has no specific policy or practice on the timing of awards of such options in relation to the disclosure of material nonpublic information by the Company.

The Company maintains an insider trading policy that governs the purchase, sale and/or other transactions of our securities by our directors, executive officers, and employees. A copy of the insider trading policy is filed as Exhibit 19 to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2025. In addition, with regard to the Company trading its own securities, it is the Company's policy to comply with the federal securities laws and the applicable exchange listing requirements.

QUALIFIED SMALL BUSINESS STOCK

It came to our attention that the Company's common stock may meet the criteria of Internal Revenue Code Sec. 1202 qualified small business ("QSB") stock. Sec. 1202 was added to the tax code in 1993, and originally provided that the gain from the sale of QSB stock acquired on or after August 10, 1993 was eligible for a 50% exclusion. The 50% exclusion was increased to 75% for stock acquired from February 18, 2009 to September 27, 2010, and then increased to 100% for stock acquired on or after September 28, 2010. QSB stock must be original issue shares and not shares acquired in the open market. If you acquired your shares in CreditRiskMonitor.com, Inc. directly from the Company via either a private placement or the exercise of stock options, then predicated upon when the stock was originally acquired, either 50%, 75% or 100% of your gain on the sale of these shares is excluded from income if you held the stock for at least five years prior to sale. You should consult your own tax advisor to confirm if your shares could meet the Sec. 1202 exclusion rule.

On July 4, 2025, the QSB stock program was expanded under the passage of the One Big Beautiful Bill Act ("OBBBA"). The expansion of the QSB stock rules under OBBBA resulted in three key changes: (i) shortening the required holding period to begin to be eligible for tax benefits from the disposition of QSB stock from five years to three years, with a phased-in exclusion amount if the holding period is between three and five years; (ii) increasing the size of corporations eligible to issue QSB stock to investors from $50 million of gross asset value to $75 million of gross asset value, with a new inflation adjustment to increase that amount each year; and (iii) increasing the flat cap on maximum amount of capital gain excludable from the QSB stock of a single issuer from $10 million to $15 million, with inflation adjustment.

The Company does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

PROPOSAL 1: ELECTION OF DIRECTORS

Four directors are to be elected at the meeting to serve until the next annual meeting of stockholders and until their respective successors shall have been elected and have been qualified. The directors shall be elected by a plurality of the votes cast in favor. Accordingly, based upon there being four nominees, each person who receives one or more votes will be elected as a director.

Nominees for Directors

All four of the nominees are currently members of the Board. The Board recommends a vote FOR all nominees.

The following table sets forth certain information regarding those individuals currently serving as the directors, as of June 15, 2026:

The following pages contain biographical and other information about the nominees.

Jerome S. Flum was appointed President and Chief Executive Officer of the Company and Chairman of the Board in June 1985. In May 2023, he transitioned from Chief Executive Officer to Executive Chairman. Since 1968 he has been in the investment business as an Institutional Security Analyst, Research and Sales Partner at an investment firm and then as a General Partner of a private investment pool. Before entering the investment business, Mr. Flum practiced law, helped manage a U.S. congressional campaign and served as a Legal and Legislative Aide to a U.S. Congressman. He has been a guest lecturer at the Massachusetts Institute of Technology/Sloan School of Management Lab for Financial Engineering. Mr. Flum received a BS degree in business administration from Babson College and a JD degree from Georgetown University Law School. Mr. Flum served as a Lance Corporal in the U.S. Marine Corps Reserve. We believe that Mr. Flum's extensive experience, including his service as Chairman of the Board since 1985, gives him the qualifications and skills to serve as one of the directors.

Joshua M. Flum has been a Director since September 2007. He is currently a Managing Partner at LRVHealth, an early-stage healthcare venture capital platform. Prior to this role, Mr. Flum spent nearly two decades at CVS Health holding senior leadership roles in strategy, operations, and technology where he led a broad set of transformational activities, ranging from the integration of CVS Health and Aetna to the founding of CVS Health Ventures. He departed CVS Health in 2022 as Executive Vice President, Chief Strategy & Business Development Officer. Mr. Flum is a graduate of the Yale Law School and spent the first years of his professional career clerking for the Honorable Edward R. Becker, Chief Judge of the U.S. Court of Appeals for the Third Circuit, and then at the law firm of Miller, Cassidy, Larroca and Lewin, LLP. He then joined the Boston Consulting Group where his work focused on the consumer and retail practice area. We believe that Mr. Flum's experience in the areas of business consultation and legal, and his service on the Board since September 2007, give him the qualifications and skills to serve as one of the directors.

Lisa Reisman has been a Director since July 2023. She is currently co-founder and Chief Executive Officer of MetalMiner. With a background in physical metal trading, management consulting, and executive leadership, Ms. Reisman has a proven entrepreneurial track record. Through her Companies' Insights platform, they offer a SaaS solution across the full range of industrial metals, including global data points. Detailed should-cost models and forecasts provide buying organizations with price data on the industrial metals that companies actually buy and not just the ingot prices which trade on public exchanges. Before founding MetalMiner, she was Managing Director and Chief Executive Officer of Azul Partners in Chicago and worked as a Senior Manager for both Deloitte Consulting and Arthur Andersen Consulting. Ms. Reisman holds an MPA in management and public policy from New York University and a BA in journalism and political science from the University of Wisconsin-Madison. We believe that Ms. Reisman's executive leadership skills and business experience, give her the qualifications and skills to serve as one of the directors.

Lawrence Fensterstock has been a Director since September 2025. Mr. Fensterstock joined the Company in January 1999 and held the titles of Chief Financial Officer and Senior Vice President upon hiring through March 2020 and June 2020, respectively. During his tenure, Mr. Fensterstock was instrumental in implementing the financial and

operational frameworks that positioned the Company for sustained growth. Mr. Fensterstock was intimately involved in the Company's January 1999 acquisition of the assets of the CreditRisk Monitor credit information service from Market Guide Inc. He joined Market Guide Inc. in September 1996 to assist in the formation of its credit information services division. From 1993 to 1996, Mr. Fensterstock was Chief Operating and Financial Officer of Information Clearinghouse Incorporated and was closely involved in the formation of its credit reporting service. From 1989 to 1992, Mr. Fensterstock served as Vice President-Controller, Treasurer and Corporate Secretary for a private entity formed to acquire Litton Industries' office products operations in a leveraged buyout. Mr. Fensterstock was Vice President of Security Capital Corporation from 1984 to 1989, where he managed the internal audit and quality control functions for this financial services holding company. Mr. Fensterstock is a Certified Public Accountant (CPA) who began his career in 1973 with Arthur Andersen LLP. He spent more than 10 years servicing both public and private clients in the financial services and real estate industries. He earned a BA in Economics from Queens College and an MBA from The University of Chicago Booth School of Business. We believe that Mr. Fensterstock's extensive leadership experience in finance and accounting, including his 21 years of leadership service with the Company from 1999 to 2020, gives him the qualifications and skills to serve as one of the directors.

Term of Office

Each director will hold office until the next annual meeting of stockholders and until his or her successor is elected and duly qualified or until his or her earlier resignation or removal. Each executive officer will hold office until the initial meeting of the Board following the next annual meeting of stockholders and until his or her successor is elected and qualified or until his or her earlier resignation or removal.

Family Relationships

Jerome S. Flum is the father of Michael I. Flum, Chief Executive Officer and President, and Joshua M. Flum, a Director of the Company.

Executive Officers

Michael I. Flum joined the Company in 2018 as Vice President of Operations & Alternative Data. He was elected Senior Vice President and Chief Operating Officer in October 2019 and subsequently President and Chief Operating Officer in October 2020. In May 2023, he became Chief Executive Officer and President. He is responsible for operational strategy and implementation, leveraging technology to improve the efficiency of human capital and work processes. Prior to joining CreditRiskMonitor.com, Mr. Flum served as Vice President of Operations at Gullett & Associates, Inc., a Houston-based midstream oil & gas survey and drafting services firm from 2016 to 2017. Mr. Flum held various engineering and project management roles at Enterprise Products Partners, a Houston-based oil & gas pipeline owner/operator from 2009 to 2016. During his time in the oil & gas sector, Mr. Flum successfully completed pipeline and plant projects totaling over $1.3 billion. He was also able to install processes that streamline service offerings and unify customer experience across teams. Mr. Flum holds an MBA from Columbia Business School as well as a BS in Mechanical Engineering and a BA in Religious Studies from Rice University.

Jennifer Gerold, CPA, joined the Company as Chief Monetization Officer in February 2024. She was elected to Chief Financial Officer in May 2024. Ms. Gerold is accomplished in corporate finance with nearly 30 years of strategic leadership experience advising organizations on navigating the complexities of M&A and Capital Market transactions. Prior to joining the Company, Ms. Gerold was a Managing Director in Strategy and Transactions at Ernst & Young U.S. LLP. Before that, Ms. Gerold held various investment banking and asset management roles at such firms as Credit Suisse Securities (USA) LLC; Merrill Lynch & Co., Inc.; and Bear, Stearns & Co. Inc. She started her career as an auditor specializing in entrepreneurial firms. Ms. Gerold holds an MBA from The University of Chicago Booth School of Business and a BS in Accounting and Finance/Investments from Babson College. She maintains a Certified Public Accountant (CPA) license and is a member of the AICPA. Additionally, she holds a Chartered Global Management Accountant (CGMA) designation and a Chartered Alternative Investment Analyst (CAIA) designation.

Shyarsh Desai joined the Company in February 2025 and was appointed Chief Operating Officer in March 2025. Mr. Desai is an accomplished leader in risk and financial technology businesses focused on creating sustainable yet profitable growth and strong financial returns to investors. Prior to joining the Company, Mr. Desai was Chief Executive Officer at Carixa, a SaaS platform focused on serving the invoice-to-cash automation and receivables management needs of mid-to-large enterprises. From 2012 to 2019, he was Chief Executive Officer of Credit2B, an AI-innovator in B2B credit decision automation, until its sale to Billtrust, where he served as Group President. Between 2007 and 2012, he held management positions at enterprise risk and compliance leaders Global Compliance (now Navex) and Dun & Bradstreet, focused on strategy, growth and business development. In his early career, Mr. Desai worked at IBM leading key solutions for the financial services vertical and later in Corporate Development within the CFO organization. Mr. Desai began his career working in corporate finance and investment management roles at the Tata Group. He holds an MBA from Kellogg School of Management at Northwestern University as well as a BS in Life Sciences and an MS in Management Studies of Finance from the University of Mumbai (previously known as the University of Bombay). He is currently and has been a director on different non-profit Boards in the education and training space.

Significant Employees

Madhav Kale joined the Company as Chief Technology Officer in September 2025. Mr. Kale brings more than three decades of experience in fintech, cybersecurity, industrial IoT, and SaaS. Mr. Kale has contributed to several early-stage startups and held senior leadership roles at large enterprise companies. Prior to joining the Company, Mr. Kale was Executive Vice President & Chief Technology Officer at Carixa, where he spearheaded the transformation of accounts receivable automation into an AI-powered SaaS platform. Between 2018 and 2020, he served as Chief Technology Officer of WellAware, an IoT growth-stage company supporting industrial monitoring and automation. Between 2008 and 2015, he was Chief Executive Officer & Founder of Zebra Digital Assets, a start-up focused on secure document exchange and collaboration. In his earlier career, Mr. Kale held senior architecture roles at Sungard, Fidelity Investments, and Systems International, and served as the founding Chief Technology Officer of UserTrust Certificate Authority (later acquired by Comodo). He holds a Bachelor of Engineering in Computer Science from the University of Pune.

Michael Clark is the Senior Vice President of Engineering. Previously, he served as Interim Chief Technology Officer since 2024, Senior Vice President of Information Technology since 2018, and prior he was Vice President of Software Development. Mr. Clark joined the Company in 2002. Mr. Clark brings over 30 years of software design and development experience. Prior to joining the Company, from 1997 to 2001, Mr. Clark was Director of Software Development for The Technology Group, creating early web-based smart-document and legal expert systems. From 1988 to 1996, he helped develop the award-winning word processing system Nota Bene, enabling multi-lingual document editing in Windows and MS-DOS systems. Mr. Clark has a BA in Computational Mathematics from the University of Buffalo.

Peter Roma is the Chief Revenue Officer. He is responsible for both new sales growth and the servicing of our current subscriber base. He joined the Company in 2004 as an Account Executive. Mr. Roma has over 35 years of sales experience. He started with Metropolitan Insurance Company but spent most of his career in financial services working for Shearson Lehman Bros., Inc. and then Merrill, Lynch, Pierce, Fenner & Smith where he was a Vice President-Private Client.

Michael Broos is the Senior Vice President of Information Technology and has been with the Company since 2001. He has more than 40 years of experience leading technology teams in the development and implementation of software applications for the Internet, Windows, DOS, and mainframes. Before joining the Company, Mr. Broos was Senior Vice President of Technology for About.com; Chief Technology Officer of Fan2Fan.com; Chief Technology Officer of AKA.com; Vice President of Internet Solutions for Inventure.com; and Vice President of Software Development for Dun & Bradstreet for eight years. Prior to joining Dun & Bradstreet in 1990, Mr. Broos was an independent consultant and entrepreneur for 10 years, during which time he co-founded several software companies, including Infocom (the creators of Zork). Mr. Broos began his career with a ten-year stint on the academic computer research staff of the MIT Laboratory of Computer Science, where he developed interactive, graphical and email-based applications for the ARPANET (the precursor of today's Internet).

Kirk Ellis is the Senior Vice President of Quality Assurance and has led the department since 2008. Mr. Ellis leads a team of more than 30 data and financial analysts who ensure the data quality and integrity of our information and scores, including benchmarking the ongoing accuracy of our proprietary FRISK^® score. He joined the Company in 2005 as a research analyst and has held a series of progressively responsible data leadership roles. Mr. Ellis has more

than 20 years of experience in information services, focused on financial data collection, quality and research. Before coming to CreditRiskMonitor.com, he managed data and analytics teams at Citigate Financial Intelligence and at Thomson Financial Research. Mr. Ellis holds a BA in Economics from the State University of New York at Purchase.

Committees

The Audit Committee

The Audit Committee assists the Board in fulfilling its responsibility to the shareholders, potential shareholders and investment community relating to corporate accounting, reporting practices of the Company and the quality and integrity of the Company's financial reporting. To fulfill its purposes, the Committee's duties include to:

In performing these functions, the Audit Committee meets periodically with the independent auditors and management to review their work and confirm that they are properly discharging their respective responsibilities. The Board has adopted a written charter for the Audit Committee, a copy of which can be found on the Company's website, https://www.creditriskmonitor.com/about/shareholder-information, under "Audit Committee Charter."

The Audit Committee currently consists of Lawrence Fensterstock, Lisa Reisman, and Joshua M. Flum. Both Lawrence Fensterstock and Lisa Reisman are independent, and Lawrence Fensterstock is an audit committee financial expert, as such terms are defined by the SEC. The Board has determined that, while Joshua M. Flum is the son of the Chairman of the Board, his membership on the Audit Committee is in the best interests of the Company and shareholders.

Nominating Committee

Due to the Company's small size and scope of operations, it does not have a separately designated and standing nomination committee at this time, and therefore the entire Board is responsible for screening and reviewing potential director candidates, nominating and recommending such candidates for election by the stockholders, and reviewing the qualifications and attributes of nominees.

Compensation Committee

The Compensation Committee of the Board is responsible for advising the Board with respect to the compensation of the Company's executives, including the determination of the compensation for the Chief Executive Officer and the other executive officers, the approval of one or more stock option plans, and other compensation plans covering the Company's employees, as well as the grant of stock options and other awards pursuant to stock option plans and other compensation plans. The Compensation Committee currently consists of Lisa Reisman, Joshua M. Flum, and Lawrence Fensterstock.

The Compensation Committee may form and delegate authority to subcommittees and may delegate authority to one or more designated members of the Compensation Committee. The Chief Executive Officer assists the Compensation Committee from time to time by advising on a variety of compensation matters, such as assisting the Compensation Committee in determining appropriate salaries and bonuses for the executive officers and the Company's employees. The Compensation Committee has the authority to consult with management and to engage the services of outside advisors, experts and others to assist it in its efforts.

Board Leadership Structure and Role in Risk Oversight

The Board as a whole is responsible for the Company's risk oversight. The executive officers address and discuss with the Board the Company's risks and the manner in which the Company manages or mitigates such risks. While the Board has the ultimate responsibility for the Company's risk oversight, the Board works in conjunction with its committees on certain aspects of its risk oversight responsibilities. In particular, the Audit Committee focuses on financial reporting risks and related controls and procedures.

Since 1985, Jerome S. Flum has served as the Chairman of the Board and is the Company's former Chief Executive Officer. Michael I. Flum succeeded him as Chief Executive Officer in 2023. Jerome S. Flum serves as the Company's Executive Chairman and stands for re-election to the Board as Executive Chairman. We do not currently have a lead independent director. Given the Company's history, position, Board composition and the relatively small size of the Company and management team, at this time, the Board believes that the Company and the shareholders are best served by the current leadership structure.

Report of the Audit Committee

In overseeing the preparation of the financial statements of CreditRiskMonitor.com, Inc. as of December 31, 2025 and for the years ended December 31, 2025 and 2024, the Audit Committee met with management to review and discuss all financial statements prior to their issuance and to discuss significant accounting issues. Management advised the Audit Committee that all financial statements were prepared in accordance with generally accepted accounting principles, and the Audit Committee discussed the statements with management. The Audit Committee also discussed with CohnReznick LLP, the Company's independent registered public firm, ("CohnReznick"), the matters required to be discussed by Auditing Standard No. 1301 ("AS 1301") "Communications with Audit Committees".

The Audit Committee received the written disclosures and the letter from CohnReznick required by applicable requirements of the Public Company Accounting Oversight Board regarding CohnReznick's communications with the Committee concerning independence and the Committee discussed CohnReznick's independence with CohnReznick.

On the basis of these reviews and discussions, the Committee recommended to the Board that the audited financial statements be included in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2025, for filing with the Securities and Exchange Commission.

Audit Committee:

 

Lawrence Fensterstock, Lisa Reisman, and Joshua M. Flum

Hedging and Pledging Policies

The Company's Insider Trading Policy prohibits officers, directors and employees from engaging in transactions that hedge or offset any decrease in the market value of our securities. In addition, the policy generally prohibits pledging of Company securities as collateral for a loan.

Meetings

The Board held four (4) meetings during the fiscal year ended December 31, 2025.

The Audit Committee of the Board held four (4) meetings, prior to the filing of each of the Company's Quarterly Reports on Form 10-Q and Annual Report on Form 10-K.

During 2025, all of the directors attended at least 75% of the meetings of the Board and of the committees on which they served.

The Company does not have a formal policy regarding director attendance at the annual meeting of stockholders. However, all directors are encouraged to attend.

Communications with the Board

Any security holder who wishes to communicate with the Board or a particular director should send the correspondence to the Board, CreditRiskMonitor.com, Inc., to InCorp Services, Inc., 9107 West Russell Road Suite 100, Las Vegas, NV, 89148-1233, Attention: Corporate Secretary. Any such communication so addressed will be forwarded by the Corporate Secretary to the members or a particular member of the Board.

Section 16(a) Beneficial Ownership Reporting Compliance

Section 16(a) of the Securities Exchange Act of 1934, as amended, requires the Company's directors and executive officers, and persons who own more than 10% of a registered class of the Company's equity securities, to file with the SEC initial reports of ownership and reports of changes in ownership of common stock and other equity securities of the Company. Such persons are required by SEC regulation to furnish the Company with copies of all Section 16(a) reports they file.

To the Company's knowledge, based solely on its review of the copies of such reports received by it with respect to fiscal 2025, or written representations from certain reporting persons, the Company believes that all filing requirements applicable to its directors, executive officers and persons who own more than 10% of a registered class of the Company's equity securities have been timely complied with.

Director Independence

The Board is currently comprised of Jerome S. Flum, Joshua M. Flum, Lisa Reisman, and Lawrence Fensterstock, all of whom, except Messrs. Jerome S. Flum and Joshua M. Flum, are "independent directors," as defined by the SEC.

Code of Ethics

The Board has adopted a Code of Ethics for the Company's Principal Executive Officer and executive officers. This Code applies to the Company's Chief Executive Officer and President, Chief Financial Officer, and Chief Operating Officer.

The Board unanimously recommends a vote "FOR" all nominees.

PROPOSAL 2 - RATIFICATION OF THE APPOINTMENT OF COHNREZNICK LLP

AS INDEPENDENT PUBLIC ACCOUNTANTS

Upon the recommendation of the Audit Committee, the Board has selected CohnReznick LLP to serve as the Company's independent registered public accounting firm for 2026. In taking this action, the Board considered CohnReznick LLP's independence with respect to the services to be performed and other factors, which the Board believes is advisable and in the best interest of the stockholders.

CohnReznick LLP served as the Company's independent registered public accounting firm for the years ended December 31, 2025 and 2024, and has no financial interest of any kind in us except the professional relationship between auditor and client.

Timothy Garland, a partner of CohnReznick LLP, will be in attendance at the meeting. He will have an opportunity to make a statement if he wishes to do so, and will be available to respond to appropriate questions. We are asking the stockholders to ratify the selection of CohnReznick LLP as the Company's independent registered public accounting firm for 2026. Although ratification is not required by the Company's Bylaws or otherwise, the Board is submitting the selection of CohnReznick LLP to the stockholders for ratification because we value the stockholders' views on the Company's independent registered public accounting firm and as a matter of good corporate practice.

In the event that the stockholders fail to ratify the selection, it will be considered a recommendation to the Board to consider the selection of a different firm. Even if the selection is ratified, the Board may in its discretion select a different independent registered public accounting firm at any time during the year if it determines that such a change would be in the best interests of the Company and the stockholders.

The aggregate fees incurred by CohnReznick LLP for professional services rendered to the Company during the last two fiscal years.

The engagement of CohnReznick LLP for the 2025 and 2024 fiscal years and the scope of audit-related services, including the audits and reviews described above, and tax services were pre-approved by the Audit Committee.

The policy of the Audit Committee is to pre-approve the engagement of the Company's independent auditors and the furnishing of all audit and non-audit services.

The Board unanimously recommends a vote "FOR" ratification of CohnReznick LLP as the Company's independent registered public accounting firm for 2026.

STOCKHOLDER PROPOSALS

Stockholder proposals intended to be presented at the next annual meeting of stockholders pursuant to the provisions of Rule 14a-8 of the Securities and Exchange Commission, promulgated under the Securities Exchange Act of 1934, as amended, must be received by March 15, 2027 for inclusion in the Company's proxy statement and form of proxy relating to such meeting. Proposals must be sent to the Company at InCorp Services, Inc., 9107 West Russell Road Suite 100, Las Vegas, NV, 89148-1233.

To be in proper form, a stockholder's proposal or nomination must comply with Rule 14a-8 of the Securities and Exchange Commission. A stockholder who wishes to submit a proposal or nomination is encouraged to seek independent counsel about compliance with SEC and other requirements. The Company will not consider any proposal or nomination that does not meet the requirements of Rule 14a-8 of the Securities and Exchange Commission.

In addition to satisfying the foregoing requirements under the Company's bylaws, to comply with the universal proxy rules, stockholders who intend to solicit proxies in support of director nominees other than the Company's nominees must provide notice that sets forth the information required by Rule 14a-19 under the Securities Exchange Act of 1934, as amended no later than June 14, 2027 (the 60^th day prior to the first anniversary of the annual meeting for the preceding year's annual meeting).

OTHER BUSINESS

While the accompanying Notice of Annual Meeting of Stockholders provides for the transaction of such other business as may properly come before the meeting, we have no knowledge of any matters to be presented at the meeting other than those listed as Proposals 1 and 2 in the notice. However, the enclosed proxy gives discretionary authority in the event that any other matters should be presented.

FORM 10-K

This proxy statement is accompanied by a copy of the Annual Report on Form 10-K for the year ended December 31, 2025 (excluding exhibits). We may charge a fee equal to the Company's reasonable expenses in furnishing the exhibits.