$SPFX
STANDARD PREMIUM FINANCE HOLDINGS, INC. Stock $spfx

$spfx Overview Financials Valuation SEC Filings Company Website

2023 Q1 Form 10-K Financial Statement

#000155335023000172 Filed on March 17, 2023

Income Statement

Concept	2023 Q1	2022 Q4	2022
Revenue	$2.079M	$2.114M	$8.157M
YoY Change	10.42%		6.42%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin	$978.8K	$860.0K	$3.824M
YoY Change			-0.22%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$6.257K	$6.180K	$22.28K
YoY Change	37.79%		-35.75%
% of Gross Profit
Operating Expenses	$1.207M	$1.089M	$4.816M
YoY Change			1.34%
Operating Profit
YoY Change
Interest Expense	$791.6K	-$774.9K	$2.328M
YoY Change	85.62%		34.9%
% of Operating Profit
Other Income/Expense, Net	$27.47K		$181.8K
YoY Change	-37.34%		8.98%
Pretax Income	$79.75K	$249.6K	$1.012M
YoY Change	-73.48%		-14.67%
Income Tax	$10.87K	$8.600K	$206.2K
% Of Pretax Income	13.63%	3.45%	20.37%
Net Earnings	$68.88K	$211.9K	$806.1K
YoY Change	-69.4%		-8.01%
Net Earnings / Revenue	3.31%	10.03%	9.88%
Basic Earnings Per Share	$0.01		$0.25
Diluted Earnings Per Share	$0.01	$0.06	$0.21
COMMON SHARES
Basic Shares Outstanding	2.905M shares	2.905M shares	2.905M shares
Diluted Shares Outstanding	3.357M shares		3.408M shares

Balance Sheet

Concept	2023 Q1	2022 Q4	2022
SHORT-TERM ASSETS
Cash & Short-Term Investments	$260.5K	$421.2K	$421.2K
YoY Change			1906.72%
Cash & Equivalents	$260.5K	$421.2K
Short-Term Investments
Other Short-Term Assets	$349.8K	$348.8K	$348.8K
YoY Change			-35.18%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$52.63M	$50.24M	$50.24M
YoY Change		6.38%	6.38%
LONG-TERM ASSETS
Property, Plant & Equipment	$97.33K	$103.6K	$351.9K
YoY Change		23.63%	-6.88%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$915.5K	$892.0K	$892.0K
YoY Change			-1.64%
Total Long-Term Assets	$1.230M	$1.244M	$1.244M
YoY Change		-3.18%	-3.18%
TOTAL ASSETS
Total Short-Term Assets	$52.63M	$50.24M	$50.24M
Total Long-Term Assets	$1.230M	$1.244M	$1.244M
Total Assets	$53.86M	$51.49M	$51.49M
YoY Change		6.12%	6.12%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$1.564M	$1.440M	$1.440M
YoY Change			-10.95%
Deferred Revenue
YoY Change
Short-Term Debt	$37.00M	$34.54M	$34.54M
YoY Change			6.07%
Long-Term Debt Due	$932.7K	$1.554M	$1.554M
YoY Change			-54.69%
Total Short-Term Liabilities	$39.49M	$37.54M	$37.54M
YoY Change		-0.2%	-0.2%
LONG-TERM LIABILITIES
Long-Term Debt	$8.308M	$7.927M	$7.927M
YoY Change			26.89%
Other Long-Term Liabilities	$57.91K	$73.85K	$73.85K
YoY Change			-40.48%
Total Long-Term Liabilities	$8.366M	$8.001M	$8.001M
YoY Change		25.58%	25.58%
TOTAL LIABILITIES
Total Short-Term Liabilities	$39.49M	$37.54M	$37.54M
Total Long-Term Liabilities	$8.366M	$8.001M	$8.001M
Total Liabilities	$47.86M	$45.54M	$45.54M
YoY Change		3.53%	3.53%
SHAREHOLDERS EQUITY
Retained Earnings	$2.606M	$2.566M
YoY Change		38.78%
Common Stock	$2.905K	$2.905K
YoY Change		0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$5.999M	$5.952M	$5.952M
YoY Change
Total Liabilities & Shareholders Equity	$53.86M	$51.49M	$51.49M
YoY Change		6.12%	6.12%

Cashflow Statement

Concept	2023 Q1	2022 Q4	2022
OPERATING ACTIVITIES
Net Income	$68.88K	$211.9K	$806.1K
YoY Change	-69.4%		-8.01%
Depreciation, Depletion And Amortization	$6.257K	$6.180K	$22.28K
YoY Change	37.79%		-35.75%
Cash From Operating Activities	$934.9K	-$47.32K	$1.625M
YoY Change	-23.45%		-21.36%
INVESTING ACTIVITIES
Capital Expenditures	$0.00	$23.95K	$48.75K
YoY Change	-100.0%		32.0%
Acquisitions
YoY Change
Other Investing Activities	-$2.742M	$3.097M	-$3.574M
YoY Change			-58.25%
Cash From Investing Activities	-$2.742M	$3.074M	-$3.623M
YoY Change	10.01%		-57.86%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	$1.647M	-2.702M	$2.398M
YoY Change	21.31%		-60.52%
NET CHANGE
Cash From Operating Activities	$934.9K	-47.32K	$1.625M
Cash From Investing Activities	-$2.742M	3.074M	-$3.623M
Cash From Financing Activities	$1.647M	-2.702M	$2.398M
Net Change In Cash	-$160.7K	324.4K	$400.2K
YoY Change	-287.1%		-187.71%
FREE CASH FLOW
Cash From Operating Activities	$934.9K	-$47.32K	$1.625M
Capital Expenditures	$0.00	$23.95K	$48.75K
Free Cash Flow	$934.9K	-$71.27K	$1.576M
YoY Change	-21.86%		-22.33%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2022	dei	Entity Central Index Key EntityCentralIndexKey	0001807893
CY2022	dei	Amendment Flag AmendmentFlag	false
CY2022	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2022
CY2022	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2022	dei	Document Type DocumentType	10-K
CY2022	dei	Document Annual Report DocumentAnnualReport	true
CY2022	dei	Document Period End Date DocumentPeriodEndDate	2022-12-31
CY2022	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2022	dei	Document Transition Report DocumentTransitionReport	false
CY2022	dei	Entity File Number EntityFileNumber	000-56243
CY2022	dei	Entity Registrant Name EntityRegistrantName	Standard Premium Finance Holdings, Inc.
CY2022	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	FL
CY2022	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	81-2624094
CY2022	dei	Entity Address Address Line1 EntityAddressAddressLine1	13590 SW 134th Avenue
CY2022	dei	Entity Address Address Line2 EntityAddressAddressLine2	Suite 214
CY2022	dei	Entity Address City Or Town EntityAddressCityOrTown	Miami
CY2022	dei	Entity Address State Or Province EntityAddressStateOrProvince	FL
CY2022	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	33186
CY2022	dei	City Area Code CityAreaCode	305
CY2022	dei	Local Phone Number LocalPhoneNumber	232-2752
CY2022	dei	Security12g Title Security12gTitle	Common Stock, $.001 par value per share
CY2022	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	No
CY2022	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2022	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2022	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2022	dei	Entity Filer Category EntityFilerCategory	Non-accelerated Filer
CY2022	dei	Entity Small Business EntitySmallBusiness	true
CY2022	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
CY2022	dei	Entity Shell Company EntityShellCompany	false
CY2022Q2	dei	Entity Public Float EntityPublicFloat	6667601	usd
CY2023Q1	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	2905016	shares
CY2022	dei	Auditor Name AuditorName	Assurance Dimensions
CY2022	dei	Auditor Location AuditorLocation	Margate, Florida
CY2022	dei	Auditor Firm AuditorFirmId	5036
CY2022Q4	us-gaap	Cash Cash	421211	usd
CY2021Q4	us-gaap	Cash Cash	20987	usd
CY2022Q4	spfx	Premium Finance Contracts And Related Receivable Net PremiumFinanceContractsAndRelatedReceivableNet	49474903	usd
CY2021Q4	spfx	Premium Finance Contracts And Related Receivable Net PremiumFinanceContractsAndRelatedReceivableNet	46674273	usd
CY2022Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	196407	usd
CY2021Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	228954	usd
CY2022Q4	us-gaap	Finance Lease Right Of Use Asset FinanceLeaseRightOfUseAsset	51920	usd
CY2021Q4	us-gaap	Finance Lease Right Of Use Asset FinanceLeaseRightOfUseAsset	65176	usd
CY2022Q4	us-gaap	Cash Surrender Value Of Life Insurance CashSurrenderValueOfLifeInsurance	603816	usd
CY2021Q4	us-gaap	Cash Surrender Value Of Life Insurance CashSurrenderValueOfLifeInsurance	559877	usd
CY2022Q4	us-gaap	Prepaid Expense And Other Assets Current PrepaidExpenseAndOtherAssetsCurrent	348795	usd
CY2021Q4	us-gaap	Prepaid Expense And Other Assets Current PrepaidExpenseAndOtherAssetsCurrent	538139	usd
CY2022Q4	us-gaap	Assets Current AssetsCurrent	50244909	usd
CY2021Q4	us-gaap	Assets Current AssetsCurrent	47233399	usd
CY2022Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	103591	usd
CY2021Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	83794	usd
CY2022Q4	us-gaap	Deferred Income Tax Assets Net DeferredIncomeTaxAssetsNet	288164	usd
CY2021Q4	us-gaap	Deferred Income Tax Assets Net DeferredIncomeTaxAssetsNet	347000	usd
CY2022Q4	us-gaap	Other Assets OtherAssets	891980	usd
CY2021Q4	us-gaap	Other Assets OtherAssets	906877	usd
CY2022Q4	us-gaap	Assets Assets	51488807	usd
CY2021Q4	us-gaap	Assets Assets	48518200	usd
CY2022Q4	us-gaap	Bank Overdrafts BankOverdrafts	0	usd
CY2021Q4	us-gaap	Bank Overdrafts BankOverdrafts	153264	usd
CY2022Q4	us-gaap	Lines Of Credit Current LinesOfCreditCurrent	32713625	usd
CY2021Q4	us-gaap	Lines Of Credit Current LinesOfCreditCurrent	30476375	usd
CY2022Q4	srt	Drafts Payable DraftsPayable	1827884	usd
CY2021Q4	srt	Drafts Payable DraftsPayable	1935278	usd
CY2022Q4	us-gaap	Notes Payable Current NotesPayableCurrent	1340597	usd
CY2021Q4	us-gaap	Notes Payable Current NotesPayableCurrent	2285023	usd
CY2022Q4	us-gaap	Notes Payable Related Parties Classified Current NotesPayableRelatedPartiesClassifiedCurrent	109000	usd
CY2021Q4	us-gaap	Notes Payable Related Parties Classified Current NotesPayableRelatedPartiesClassifiedCurrent	862000	usd
CY2022Q4	spfx	Payroll Protection Program Loan Current Portion PayrollProtectionProgramLoanCurrentPortion	91852	usd
CY2021Q4	spfx	Payroll Protection Program Loan Current Portion PayrollProtectionProgramLoanCurrentPortion	271000	usd
CY2022Q4	us-gaap	Operating Lease Liability Current OperatingLeaseLiabilityCurrent	122554	usd
CY2021Q4	us-gaap	Operating Lease Liability Current OperatingLeaseLiabilityCurrent	104880	usd
CY2022Q4	us-gaap	Finance Lease Liability Current FinanceLeaseLiabilityCurrent	12494	usd
CY2021Q4	us-gaap	Finance Lease Liability Current FinanceLeaseLiabilityCurrent	11857	usd
CY2022Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	1317699	usd
CY2021Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	1512528	usd
CY2022Q4	us-gaap	Liabilities Current LiabilitiesCurrent	37535705	usd
CY2021Q4	us-gaap	Liabilities Current LiabilitiesCurrent	37612205	usd
CY2022Q4	us-gaap	Long Term Notes Payable LongTermNotesPayable	5946324	usd
CY2021Q4	us-gaap	Long Term Notes Payable LongTermNotesPayable	4964787	usd
CY2022Q4	us-gaap	Notes Payable Related Parties Noncurrent NotesPayableRelatedPartiesNoncurrent	1816000	usd
CY2021Q4	us-gaap	Notes Payable Related Parties Noncurrent NotesPayableRelatedPartiesNoncurrent	1229302	usd
CY2022Q4	spfx	Payroll Protection Program Loan Net Of Current Portion PayrollProtectionProgramLoanNetOfCurrentPortion	123924	usd
CY2021Q4	spfx	Payroll Protection Program Loan Net Of Current Portion PayrollProtectionProgramLoanNetOfCurrentPortion	0	usd
CY2022Q4	us-gaap	Operating Lease Liability Noncurrent OperatingLeaseLiabilityNoncurrent	73853	usd
CY2021Q4	us-gaap	Operating Lease Liability Noncurrent OperatingLeaseLiabilityNoncurrent	124074	usd
CY2022Q4	us-gaap	Finance Lease Liability Noncurrent FinanceLeaseLiabilityNoncurrent	40559	usd
CY2021Q4	us-gaap	Finance Lease Liability Noncurrent FinanceLeaseLiabilityNoncurrent	53053	usd
CY2022Q4	us-gaap	Liabilities Noncurrent LiabilitiesNoncurrent	8000660	usd
CY2021Q4	us-gaap	Liabilities Noncurrent LiabilitiesNoncurrent	6371216	usd
CY2022Q4	us-gaap	Liabilities Liabilities	45536365	usd
CY2021Q4	us-gaap	Liabilities Liabilities	43983421	usd
CY2022Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.001
CY2021Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.001
CY2022Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	20000000	shares
CY2021Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	20000000	shares
CY2022Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.001
CY2021Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.001
CY2021	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.28
CY2022	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	0.21
CY2021	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	0.28
CY2022Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	100000000	shares
CY2021Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	100000000	shares
CY2022Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	2905016	shares
CY2022Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	2905016	shares
CY2021Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	2905016	shares
CY2021Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	2905016	shares
CY2022Q4	us-gaap	Common Stock Value CommonStockValue	2905	usd
CY2021Q4	us-gaap	Common Stock Value CommonStockValue	2905	usd
CY2022Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	3383651	usd
CY2021Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	2682995	usd
CY2022Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	2565720	usd
CY2021Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1848780	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	5952442	usd
CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	4534779	usd
CY2022Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	51488807	usd
CY2021Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	48518200	usd
CY2022	us-gaap	Revenues Revenues	8156537	usd
CY2021	us-gaap	Revenues Revenues	7664743	usd
CY2022	us-gaap	Interest Expense InterestExpense	2328004	usd
CY2021	us-gaap	Interest Expense InterestExpense	1725745	usd
CY2022	us-gaap	Salaries And Wages SalariesAndWages	1557223	usd
CY2021	us-gaap	Salaries And Wages SalariesAndWages	1471547	usd
CY2022	us-gaap	Leasing Commissions Expense LeasingCommissionsExpense	976990	usd
CY2021	us-gaap	Leasing Commissions Expense LeasingCommissionsExpense	1001945	usd
CY2022	spfx	Bad Debts BadDebts	734040	usd
CY2021	spfx	Bad Debts BadDebts	842019	usd
CY2022	us-gaap	Professional Fees ProfessionalFees	374144	usd
CY2021	us-gaap	Professional Fees ProfessionalFees	350145	usd
CY2022	us-gaap	Postage Expense PostageExpense	110752	usd
CY2021	us-gaap	Postage Expense PostageExpense	111242	usd
CY2022	us-gaap	Other Expenses OtherExpenses	181787	usd
CY2021	us-gaap	Other Expenses OtherExpenses	166810	usd
CY2022	us-gaap	Other General Expense OtherGeneralExpense	881276	usd
CY2021	us-gaap	Other General Expense OtherGeneralExpense	808960	usd
CY2022	us-gaap	Operating Costs And Expenses OperatingCostsAndExpenses	7144216	usd
CY2021	us-gaap	Operating Costs And Expenses OperatingCostsAndExpenses	6478413	usd
CY2022	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	1012321	usd
CY2021	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	1186330	usd
CY2022	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	206190	usd
CY2021	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	310007	usd
CY2022	us-gaap	Net Income Loss NetIncomeLoss	806131	usd
CY2021	us-gaap	Net Income Loss NetIncomeLoss	876323	usd
CY2022	us-gaap	Dividends Preferred Stock Stock DividendsPreferredStockStock	89191	usd
CY2021	us-gaap	Dividends Preferred Stock Stock DividendsPreferredStockStock	69300	usd
CY2022	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	716940	usd
CY2021	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	807023	usd
CY2022	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.25
CY2021	us-gaap	Proceeds From Repayments Of Bank Overdrafts ProceedsFromRepaymentsOfBankOverdrafts	153264	usd
CY2022	us-gaap	Proceeds From Repayments Of Lines Of Credit ProceedsFromRepaymentsOfLinesOfCredit	2167052	usd
CY2022	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	2905016	shares
CY2021	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	2905016	shares
CY2022	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	3407949	shares
CY2021	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	2905016	shares
CY2020Q4	us-gaap	Stockholders Equity StockholdersEquity	3683812	usd
CY2021	us-gaap	Stock Issued During Period Value Issued For Services StockIssuedDuringPeriodValueIssuedForServices	43944	usd
CY2021	spfx	Dividends Paid On Preferred Stock DividendsPaidOnPreferredStock	-69300	usd
CY2021	us-gaap	Net Income Loss NetIncomeLoss	876323	usd
CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	4534779	usd
CY2022	spfx	Series A Convertible Preferred Stock Issued For Cash SeriesAConvertiblePreferredStockIssuedForCash	400000	usd
CY2022	spfx	Series A Convertible Preferred Stock Issued In Exchange For Note Payable SeriesAConvertiblePreferredStockIssuedInExchangeForNotePayable	270000	usd
CY2022	spfx	Warrants Issued For Services WarrantsIssuedForServices	10800	usd
CY2022	us-gaap	Stock Issued During Period Value Issued For Services StockIssuedDuringPeriodValueIssuedForServices	19878	usd
CY2022	us-gaap	Adjustments To Additional Paid In Capital Other AdjustmentsToAdditionalPaidInCapitalOther	45	usd
CY2022	spfx	Dividends Paid On Preferred Stock DividendsPaidOnPreferredStock	-89191	usd
CY2022	us-gaap	Net Income Loss NetIncomeLoss	806131	usd
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CY2022	us-gaap	Net Income Loss NetIncomeLoss	806131	usd
CY2021	us-gaap	Net Income Loss NetIncomeLoss	876323	usd
CY2022	us-gaap	Depreciation Depreciation	22283	usd
CY2021	us-gaap	Depreciation Depreciation	34682	usd
CY2022	us-gaap	Gain Loss On Disposition Of Assets GainLossOnDispositionOfAssets	-2167	usd
CY2021	us-gaap	Gain Loss On Disposition Of Assets GainLossOnDispositionOfAssets	-0	usd
CY2022	us-gaap	Operating Lease Right Of Use Asset Amortization Expense OperatingLeaseRightOfUseAssetAmortizationExpense	103585	usd
CY2021	us-gaap	Operating Lease Right Of Use Asset Amortization Expense OperatingLeaseRightOfUseAssetAmortizationExpense	101806	usd
CY2022	us-gaap	Finance Lease Right Of Use Asset Amortization FinanceLeaseRightOfUseAssetAmortization	13256	usd
CY2021	us-gaap	Finance Lease Right Of Use Asset Amortization FinanceLeaseRightOfUseAssetAmortization	625	usd
CY2022	spfx	Bad Debt Expense BadDebtExpense	734040	usd
CY2021	spfx	Bad Debt Expense BadDebtExpense	842019	usd
CY2022	us-gaap	Amortization Of Deferred Loan Origination Fees Net AmortizationOfDeferredLoanOriginationFeesNet	-70198	usd
CY2021	us-gaap	Amortization Of Deferred Loan Origination Fees Net AmortizationOfDeferredLoanOriginationFeesNet	-142980	usd
CY2022	spfx	Options Issued For Services OptionsIssuedForServices	19878	usd
CY2021	spfx	Options Issued For Services OptionsIssuedForServices	34669	usd
CY2022	us-gaap	Adjustment Of Warrants Granted For Services AdjustmentOfWarrantsGrantedForServices	10800	usd
CY2021	us-gaap	Adjustment Of Warrants Granted For Services AdjustmentOfWarrantsGrantedForServices	9275	usd
CY2022	us-gaap	Increase Decrease In Prepaid Deferred Expense And Other Assets IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets	-189344	usd
CY2021	us-gaap	Increase Decrease In Prepaid Deferred Expense And Other Assets IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets	154231	usd
CY2022	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	-58836	usd
CY2021	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	87000	usd
CY2022	us-gaap	Increase Decrease In Book Overdrafts IncreaseDecreaseInBookOverdrafts	-107394	usd
CY2021	us-gaap	Increase Decrease In Book Overdrafts IncreaseDecreaseInBookOverdrafts	64313	usd
CY2022	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	-194829	usd
CY2021	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	302267	usd
CY2022	us-gaap	Increase Decrease In Operating Lease Liability IncreaseDecreaseInOperatingLeaseLiability	-103585	usd
CY2021	us-gaap	Increase Decrease In Operating Lease Liability IncreaseDecreaseInOperatingLeaseLiability	-101806	usd
CY2021	us-gaap	Proceeds From Repayments Of Lines Of Credit ProceedsFromRepaymentsOfLinesOfCredit	4679922	usd
CY2022	us-gaap	Proceeds From Notes Payable ProceedsFromNotesPayable	575511	usd
CY2021	us-gaap	Proceeds From Notes Payable ProceedsFromNotesPayable	1246047	usd
CY2022	us-gaap	Repayments Of Notes Payable RepaymentsOfNotesPayable	288400	usd
CY2022	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	1624710	usd
CY2021	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	2065922	usd
CY2022	spfx	Disbursements Under Premium Finance Contracts Receivable Net DisbursementsUnderPremiumFinanceContractsReceivableNet	3534670	usd
CY2021	spfx	Disbursements Under Premium Finance Contracts Receivable Net DisbursementsUnderPremiumFinanceContractsReceivableNet	8516366	usd
CY2022	us-gaap	Payments To Acquire Life Insurance Policies PaymentsToAcquireLifeInsurancePolicies	43939	usd
CY2021	us-gaap	Payments To Acquire Life Insurance Policies PaymentsToAcquireLifeInsurancePolicies	43571	usd
CY2022	us-gaap	Proceeds From Sale Of Property Plant And Equipment ProceedsFromSaleOfPropertyPlantAndEquipment	4500	usd
CY2021	us-gaap	Proceeds From Sale Of Property Plant And Equipment ProceedsFromSaleOfPropertyPlantAndEquipment	0	usd
CY2022	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	48747	usd
CY2021	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	36929	usd
CY2022	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-3622856	usd
CY2021	us-gaap	Repayments Of Notes Payable RepaymentsOfNotesPayable	77400	usd
CY2021	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-8596866	usd
CY2022	us-gaap	Proceeds From Repayments Of Bank Overdrafts ProceedsFromRepaymentsOfBankOverdrafts	-153264	usd
CY2022	us-gaap	Proceeds From Related Party Debt ProceedsFromRelatedPartyDebt	35000	usd
CY2021	us-gaap	Proceeds From Related Party Debt ProceedsFromRelatedPartyDebt	168000	usd
CY2022	us-gaap	Repayments Of Related Party Debt RepaymentsOfRelatedPartyDebt	181302	usd
CY2021	us-gaap	Repayments Of Related Party Debt RepaymentsOfRelatedPartyDebt	25000	usd
CY2022	us-gaap	Repayments Of Long Term Debt And Capital Securities RepaymentsOfLongTermDebtAndCapitalSecurities	11857	usd
CY2021	us-gaap	Repayments Of Long Term Debt And Capital Securities RepaymentsOfLongTermDebtAndCapitalSecurities	891	usd
CY2022	us-gaap	Proceeds From Issuance Or Sale Of Equity ProceedsFromIssuanceOrSaleOfEquity	400000	usd
CY2021	us-gaap	Proceeds From Issuance Or Sale Of Equity ProceedsFromIssuanceOrSaleOfEquity	0	usd
CY2022	spfx	Repayment Of Ppp Loan RepaymentOfPppLoan	55224	usd
CY2021	spfx	Repayment Of Ppp Loan RepaymentOfPppLoan	-0	usd
CY2022	us-gaap	Proceeds From Contributions From Parent ProceedsFromContributionsFromParent	45	usd
CY2021	us-gaap	Proceeds From Contributions From Parent ProceedsFromContributionsFromParent	0	usd
CY2022	spfx	Dividend Distributions Paid DividendDistributionsPaid	89191	usd
CY2021	spfx	Dividend Distributions Paid DividendDistributionsPaid	69300	usd
CY2022	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	2398370	usd
CY2021	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	6074642	usd
CY2022	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect	400224	usd
CY2021	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect	-456302	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	20987	usd
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	477289	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	421211	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	20987	usd
CY2022	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	395240	usd
CY2021	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	365248	usd
CY2022	us-gaap	Interest Paid Net InterestPaidNet	2201574	usd
CY2021	us-gaap	Interest Paid Net InterestPaidNet	1731968	usd
CY2022	spfx	Debt Exchanged For Series Convertible Preferred Stock DebtExchangedForSeriesConvertiblePreferredStock	270000	usd
CY2021	spfx	Debt Exchanged For Series Convertible Preferred Stock DebtExchangedForSeriesConvertiblePreferredStock	0	usd
CY2022	spfx	Operating Lease Asset Obtained In Exchange For Operating Lease Liability OperatingLeaseAssetObtainedInExchangeForOperatingLeaseLiability	71038	usd
CY2021	spfx	Operating Lease Asset Obtained In Exchange For Operating Lease Liability OperatingLeaseAssetObtainedInExchangeForOperatingLeaseLiability	235335	usd
CY2022	spfx	Finance Lease Assets Obtained In Exchange For Lease Liabilities FinanceLeaseAssetsObtainedInExchangeForLeaseLiabilities	0	usd
CY2021	spfx	Finance Lease Assets Obtained In Exchange For Lease Liabilities FinanceLeaseAssetsObtainedInExchangeForLeaseLiabilities	65801	usd
CY2022Q4	spfx	Plus Cash Overdraft PlusCashOverdraft	0	usd
CY2021Q4	spfx	Plus Cash Overdraft PlusCashOverdraft	153264	usd
CY2022Q4	us-gaap	Cash Equivalents At Carrying Value CashEquivalentsAtCarryingValue	0	usd
CY2021Q4	us-gaap	Cash Equivalents At Carrying Value CashEquivalentsAtCarryingValue	0	usd
CY2021Q4	us-gaap	Bank Overdrafts BankOverdrafts	153264	usd
CY2022Q4	us-gaap	Unearned Premiums UnearnedPremiums	71315354	usd
CY2021Q4	us-gaap	Unearned Premiums UnearnedPremiums	67929695	usd
CY2022	us-gaap	Debt Instrument Interest Rate Increase Decrease DebtInstrumentInterestRateIncreaseDecrease	0.153	pure
CY2021	us-gaap	Debt Instrument Interest Rate Increase Decrease DebtInstrumentInterestRateIncreaseDecrease	0.154	pure
CY2021Q4	spfx	Plus Balances At Other Institutions That Do Not Exceed Fdic Limit PlusBalancesAtOtherInstitutionsThatDoNotExceedFdicLimit	193179	usd
CY2022	us-gaap	Use Of Estimates UseOfEstimates	<p id="xdx_84F_eus-gaap--UseOfEstimates_zOl9Ef5CYDI4" style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><span id="xdx_865_ziRRrL2DHwYz">Use of Estimates</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Significant estimates include assumptions used in valuation of deferred tax assets, allowance for doubtful accounts, depreciable lives of property and equipment, and valuation of stock-based compensation.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b> </b></p>
CY2022	us-gaap	Concentration Risk Credit Risk ConcentrationRiskCreditRisk	<p id="xdx_843_eus-gaap--ConcentrationRiskCreditRisk_zpWPuBGIuamH" style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><span id="xdx_86F_zm6Eeffitk8y">Concentration of Credit and Financial Instrument Risk</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Financial instruments that potentially subject the Company to concentrations of credit risk are primarily cash and accounts receivable from customers, agents, and insurance companies. The Company maintains its cash balances at two banks. Accounts at this financial institution are insured by the Federal Deposit Insurance Corporation up to $<span id="xdx_90E_eus-gaap--CashFDICInsuredAmount_c20221231_pp0p0_zE0P6su5Od7k" title="FDIC insured amount">250,000</span>. Uninsured balances are approximately $<span id="xdx_900_eus-gaap--CashUninsuredAmount_c20221231_pp0p0_z8bfxkKVEdSO" title="Uninsured balances">482,479</span> and $<span id="xdx_907_eus-gaap--CashUninsuredAmount_c20211231_pp0p0_zywng1Hb1nRm" title="Uninsured balances">0</span> at December 31, 2022 and 2021, respectively. The Company mitigates this risk by maintaining its cash balances at a high-quality financial institution. The following table provides a reconciliation between uninsured balances and cash per the consolidated balance sheet:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_883_ecustom--SchedulesOfReconciliationBetweenUninsuredBalancesAndCashTextBlock_z9CuuHaOtNI2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details)"> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: justify"><span id="xdx_8BF_zYKzLXsykrp_zSo7oIZGSUuk" style="display: none">Schedule of reconciliation between uninsured balances and cash per the balance sheet</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20221231_zsvlQoOaCn5_znJ6yqGK4i27" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20211231_z3YxDBtqU8vV" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-size: 11pt; text-align: center"> </td><td style="font-size: 8pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center">December 31, <br/> 2022</td><td style="padding-bottom: 1pt; font-size: 8pt; font-weight: bold"> </td><td style="font-size: 8pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center">December 31, <br/> 2021</td><td style="padding-bottom: 1pt; font-size: 8pt; font-weight: bold"> </td></tr> <tr id="xdx_40F_eus-gaap--CashUninsuredAmount_iI_pp0p0_d0_zS0oqN4L21Lp" style="vertical-align: bottom; background-color: rgb(204,255,204)"> <td style="width: 74%; text-align: justify">Uninsured Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">482,479</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--PlusInsuredBalances_iI_pp0p0_d0_zu3IYTa8R1Oh" style="vertical-align: bottom; background-color: transparent"> <td style="text-align: justify">Plus: Insured balances</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">250,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--PlusBalancesAtOtherInstitutionsThatDoNotExceedFdicLimit_iI_pp0p0_z2HtZvWNqTBq" style="vertical-align: bottom; background-color: rgb(204,255,204)"> <td style="text-align: justify">Plus: Balances at other institutions that do not exceed FDIC limit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">193,179</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--PlusCashOverdraft_iI_pp0p0_d0_zpYwxX0LM8Wf" style="vertical-align: bottom; background-color: transparent"> <td style="text-align: justify">Plus: Cash overdraft</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">153,264</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--OutstandingChecks_iI_pp0p0_z2PERBGMdUEz" style="vertical-align: bottom; background-color: rgb(204,255,204)"> <td style="text-align: justify">Less: Outstanding checks</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(329,026</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(325,456</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="font-size: 11pt; text-align: justify; padding-bottom: 1pt"> </td><td style="font-size: 11pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 11pt; text-align: left"> </td><td style="font-size: 11pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 11pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--Cash_iI_pp0p0_zVIXa6NmYuog" style="vertical-align: bottom; background-color: rgb(204,255,204)"> <td style="padding-bottom: 2.5pt; text-align: justify">Cash per Consolidated Balance Sheet</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">421,211</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">20,987</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company controls its credit risk in accounts receivable through credit standards, limits on exposure, by monitoring the financial condition of insurance companies, by adhering to statutory cancellation policies, and by monitoring and pursuing collections from past due accounts. We cancel policies at the earliest permissible date allowed by the statutory cancellation regulations.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><b> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Approximately <span id="xdx_903_eus-gaap--ConcentrationRiskPercentage1_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--FL_zHZ2ukDUzh5E" title="Concentration risk percentage">59</span>% and <span id="xdx_900_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--FL_zXDwelAUhWYR" title="Concentration risk percentage">53</span>% of the Company’s business activity is with customers located in Florida for 2022 and 2021, respectively. Approximately <span id="xdx_906_eus-gaap--ConcentrationRiskPercentage1_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--GA_zLYvDKuGnFUU" title="Concentration risk percentage">12</span>% and <span id="xdx_906_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--GA_zioVtAhfMqpS" title="Concentration risk percentage">19</span>% of the Company’s business activity is with customers located in Georgia for 2022 and 2021, respectively. Approximately <span id="xdx_909_eus-gaap--ConcentrationRiskPercentage1_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--NC_z2PlDNqlriMq" title="Concentration risk percentage">12</span>% and <span id="xdx_900_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--NC_zJ58n2SJbThC" title="Concentration risk percentage">13</span>% of the Company’s business activity is with customers located in North Carolina for 2022 and 2021, respectively. There were no other significant regional, industrial or group concentrations during the years ended December 31, 2022 and 2021.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
CY2022Q4	us-gaap	Cash Fdic Insured Amount CashFDICInsuredAmount	250000	usd
CY2022Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	482479	usd
CY2021Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	0	usd
CY2022Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	482479	usd
CY2021Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	0	usd
CY2022Q4	spfx	Plus Insured Balances PlusInsuredBalances	250000	usd
CY2021Q4	spfx	Plus Insured Balances PlusInsuredBalances	0	usd
CY2022Q4	spfx	Plus Balances At Other Institutions That Do Not Exceed Fdic Limit PlusBalancesAtOtherInstitutionsThatDoNotExceedFdicLimit	17758	usd
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber	20000	shares
CY2022Q4	us-gaap	Class Of Warrant Or Right Outstanding ClassOfWarrantOrRightOutstanding	1035000	shares
CY2022Q4	spfx	Outstanding Checks OutstandingChecks	-329026	usd
CY2021Q4	spfx	Outstanding Checks OutstandingChecks	-325456	usd
CY2022Q4	us-gaap	Cash Cash	421211	usd
CY2021Q4	us-gaap	Cash Cash	20987	usd
CY2022Q4	us-gaap	Cash Surrender Value Of Life Insurance CashSurrenderValueOfLifeInsurance	603816	usd
CY2021Q4	us-gaap	Cash Surrender Value Of Life Insurance CashSurrenderValueOfLifeInsurance	559877	usd
CY2022Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	0	usd
CY2021Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	0	usd
CY2022Q4	us-gaap	Income Tax Examination Penalties And Interest Accrued IncomeTaxExaminationPenaltiesAndInterestAccrued	0	usd
CY2021Q4	us-gaap	Income Tax Examination Penalties And Interest Accrued IncomeTaxExaminationPenaltiesAndInterestAccrued	0	usd
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	207400	shares
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	187400	shares
CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Number Of Shares SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedNumberOfShares	187400	shares
CY2021Q4	us-gaap	Class Of Warrant Or Right Outstanding ClassOfWarrantOrRightOutstanding	975000	shares
CY2022Q4	spfx	Insurance Premium Finance Contracts Outstanding InsurancePremiumFinanceContractsOutstanding	45520349	usd
CY2021Q4	spfx	Insurance Premium Finance Contracts Outstanding InsurancePremiumFinanceContractsOutstanding	44079251	usd
CY2022Q4	spfx	Insurance Premium Finance Contracts Cancelled InsurancePremiumFinanceContractsCancelled	6005601	usd
CY2021Q4	spfx	Insurance Premium Finance Contracts Cancelled InsurancePremiumFinanceContractsCancelled	4426576	usd
CY2022Q4	spfx	Insurance Premium Finance Contracts Gross InsurancePremiumFinanceContractsGross	51525950	usd
CY2021Q4	spfx	Insurance Premium Finance Contracts Gross InsurancePremiumFinanceContractsGross	48505827	usd
CY2022Q4	spfx	Amounts Due From Agents AmountsDueFromAgents	645648	usd
CY2021Q4	spfx	Amounts Due From Agents AmountsDueFromAgents	793869	usd
CY2022Q4	spfx	Present Value Of Lease Liabilities PresentValueOfLeaseLiabilities	249460	usd
CY2022Q4	spfx	Unearned Interest UnearnedInterest	-1567197	usd
CY2021Q4	spfx	Unearned Interest UnearnedInterest	-1431666	usd
CY2022Q4	spfx	Insurance Premium Finance Contracts Net InsurancePremiumFinanceContractsNet	50604401	usd
CY2021Q4	spfx	Insurance Premium Finance Contracts Net InsurancePremiumFinanceContractsNet	47868030	usd
CY2022Q4	us-gaap	Allowance For Doubtful Accounts Receivable AllowanceForDoubtfulAccountsReceivable	1129498	usd
CY2021Q4	us-gaap	Allowance For Doubtful Accounts Receivable AllowanceForDoubtfulAccountsReceivable	1193757	usd
CY2022Q4	spfx	Premium Finance Contracts And Related Receivable Net PremiumFinanceContractsAndRelatedReceivableNet	49474903	usd
CY2021Q4	spfx	Premium Finance Contracts And Related Receivable Net PremiumFinanceContractsAndRelatedReceivableNet	46674273	usd
CY2022Q4	spfx	Allowance For Premium Finance Contracts AllowanceForPremiumFinanceContracts	1000000	usd
CY2021Q4	spfx	Allowance For Premium Finance Contracts AllowanceForPremiumFinanceContracts	1000000	usd
CY2022Q4	spfx	Allowance For Amounts Due From Agents AllowanceForAmountsDueFromAgents	129498	usd
CY2021Q4	spfx	Allowance For Amounts Due From Agents AllowanceForAmountsDueFromAgents	193757	usd
CY2022Q4	us-gaap	Allowance For Doubtful Accounts Receivable Current AllowanceForDoubtfulAccountsReceivableCurrent	1129498	usd
CY2021Q4	us-gaap	Allowance For Doubtful Accounts Receivable Current AllowanceForDoubtfulAccountsReceivableCurrent	1193757	usd
CY2021Q4	us-gaap	Allowance For Doubtful Accounts Receivable Current AllowanceForDoubtfulAccountsReceivableCurrent	1193757	usd
CY2020Q4	us-gaap	Allowance For Doubtful Accounts Receivable Current AllowanceForDoubtfulAccountsReceivableCurrent	824342	usd
CY2022	spfx	Current Year Provision CurrentYearProvision	1347475	usd
CY2021	spfx	Current Year Provision CurrentYearProvision	1353057	usd
CY2022	us-gaap	Allowance For Doubtful Accounts Receivable Write Offs AllowanceForDoubtfulAccountsReceivableWriteOffs	1513814	usd
CY2021	us-gaap	Allowance For Doubtful Accounts Receivable Write Offs AllowanceForDoubtfulAccountsReceivableWriteOffs	1212150	usd
CY2022	us-gaap	Allowance For Doubtful Accounts Receivable Recoveries AllowanceForDoubtfulAccountsReceivableRecoveries	102080	usd
CY2021	us-gaap	Allowance For Doubtful Accounts Receivable Recoveries AllowanceForDoubtfulAccountsReceivableRecoveries	228508	usd
CY2022Q4	us-gaap	Allowance For Doubtful Accounts Receivable Current AllowanceForDoubtfulAccountsReceivableCurrent	1129498	usd
CY2021Q4	us-gaap	Allowance For Doubtful Accounts Receivable Current AllowanceForDoubtfulAccountsReceivableCurrent	1193757	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	68308	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Three LesseeOperatingLeaseLiabilityPaymentsDueYearThree	45918	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Four LesseeOperatingLeaseLiabilityPaymentsDueYearFour	13879	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	266214	usd
CY2022	spfx	Total Provision TotalProvision	1347475	usd
CY2021	spfx	Total Provision TotalProvision	1353057	usd
CY2022	spfx	Contra Rrevenues ContraRrevenues	-613435	usd
CY2021	spfx	Contra Rrevenues ContraRrevenues	-483746	usd
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CY2022Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	20000000	shares
CY2021Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	20000000	shares
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CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1	P7Y1M24D
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CY2021Q4	spfx	Designated Shares DesignatedShares	600000	shares
CY2022Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	166000	shares
CY2022Q4	us-gaap	Preferred Stock Shares Outstanding PreferredStockSharesOutstanding	166000	shares
CY2021Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	99000	shares
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CY2022	us-gaap	Dividends Dividends	89191	usd
CY2021	us-gaap	Dividends Dividends	69300	usd
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CY2021Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	100000000	shares
CY2022Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.001
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CY2022Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	2905016	shares
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CY2021Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	2905016	shares
CY2021Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	2905016	shares
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	207400	shares
CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P7Y1M24D
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	1.18
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Exercisable Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber	187400	shares
CY2022	spfx	Sharesbased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharesbasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P7Y2M1D
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Exercisable Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice	0.80
CY2020Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	187400	shares
CY2020Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	0.80
CY2020	us-gaap	Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Exercisable Options Weighted Average Remaining Contractual Term2 SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2	P9Y2M12D
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CY2021	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice	0
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	187400	shares
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	0.80
CY2021	us-gaap	Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Exercisable Options Weighted Average Remaining Contractual Term2 SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2	P8Y2M12D
CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Shares Issued In Period ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod	20000	shares
CY2022	spfx	Weighted Average Exercise Price Options Issued WeightedAverageExercisePriceOptionsIssued	4.73
CY2022	spfx	Sharebased Compensation Arrangement By Sharebased Payment Award Options Issued Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsIssuedWeightedAverageRemainingContractualTerm1	P7Y6M
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CY2022	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice	0
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	207400	shares
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	1.18
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue	1091236	usd
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber	187400	shares
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice	0.80
CY2022	spfx	Sharesbased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Exercisable Weighted Average Remaining Contractual Term1 SharesbasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1	P7Y2M1D
CY2022Q4	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1	1056936	usd
CY2022	us-gaap	Stock Option Plan Expense StockOptionPlanExpense	19878	usd
CY2021	us-gaap	Stock Option Plan Expense StockOptionPlanExpense	34669	usd
CY2020Q4	us-gaap	Class Of Warrant Or Right Outstanding ClassOfWarrantOrRightOutstanding	800000	shares
CY2020Q4	us-gaap	Class Of Warrant Or Right Exercise Price Of Warrants Or Rights1 ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1	8.00
CY2020	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Outstanding Weighted Average Remaining Contractual Terms ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms	P4Y3M18D
CY2021	spfx	Warrants Issued WarrantsIssued	175000	shares
CY2021	spfx	Weighted Average Exercise Price Issued WeightedAverageExercisePriceIssued	4.00
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CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Outstanding Weighted Average Remaining Contractual Terms ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms	P3Y6M
CY2022	spfx	Warrants Issued WarrantsIssued	60000	shares
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CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Non Option Equity Instruments Exercised ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised	0	shares
CY2022	spfx	Share Based Compensation Arrangements By Share Based Payment Award Other Than Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOtherThanOptionsExercisesInPeriodWeightedAverageExercisePrice	0
CY2022Q4	us-gaap	Class Of Warrant Or Right Outstanding ClassOfWarrantOrRightOutstanding	1035000	shares
CY2022Q4	us-gaap	Class Of Warrant Or Right Exercise Price Of Warrants Or Rights1 ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1	7.09
CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Outstanding Weighted Average Remaining Contractual Terms ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms	P2Y7M6D
CY2022Q4	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Equity Instruments Other Than Options Aggregate Intrinsic Value Outstanding SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueOutstanding	1549400	usd
CY2022Q4	spfx	Warrants Exercisable WarrantsExercisable	1035000	shares
CY2022Q4	us-gaap	Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Exercisable Options Weighted Average Exercise Price1 SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1	7.09
CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Exercisable Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1	P2Y7M6D
CY2022Q4	spfx	Sharebased Compensation Arrangement By Sharebased Payment Award Otherthan Options Exercisable Intrinsic Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOtherthanOptionsExercisableIntrinsicValue1	1549400	usd
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CY2021	us-gaap	Employee Benefits And Share Based Compensation EmployeeBenefitsAndShareBasedCompensation	75000	usd
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CY2022Q4	us-gaap	Notes And Loans Payable Current NotesAndLoansPayableCurrent	1925000	usd
CY2021Q4	us-gaap	Notes And Loans Payable Current NotesAndLoansPayableCurrent	2091302	usd

Files In Submission

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R10.htm	Edgar Link	pending
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$SPFX
STANDARD PREMIUM FINANCE HOLDINGS, INC. Stock $spfx

2023 Q1 Form 10-K Financial Statement

#000155335023000172 Filed on March 17, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$SPFX STANDARD PREMIUM FINANCE HOLDINGS, INC. Stock $spfx

2023 Q1 Form 10-K Financial Statement

#000155335023000172 Filed on March 17, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$SPFX
STANDARD PREMIUM FINANCE HOLDINGS, INC. Stock $spfx