Amendment No. 4 to Revolving Credit Agreement, dated February 14, 2020, by and among Opportunity Financial, LLC, Opportunity Funding SPE IV, LLC, OppWin, LLC, the Lenders party thereto, and Ares Agent Services, L.P

[***] CERTAIN INFORMATION IN THIS DOCUMENT HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS BOTH NOT MATERIAL AND IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL.

Exhibit 10.18

Execution Copy

AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT

THIS AMENDMENT NO. 4 TO REVOLVING CREDIT AGREEMENT (this “Amendment”), dated as of February 14, 2020 (the “Effective Date”) to that certain Revolving Credit Agreement, dated as of April 15, 2019 (as amended, restated supplemented or otherwise modified prior to the date hereof, the “Existing Credit Agreement” and, as amended by this Amendment, the “Amended Credit Agreement”), among Opportunity Funding SPE VI, LLC (the “Borrower”), Opportunity Financial, LLC (the “Company”), as originator (in such capacity, the “Originator”), as servicer (in such capacity, the “Servicer”) and as a Seller (in such capacity, a “Seller”), OppWin, LLC (“OppWin”), as a Seller (in such capacity, a “Seller”; the Borrower, the Company, the Servicer, the Originator and each Seller, collectively, the “Credit Parties”), Ares Agent Services, L.P., as Administrative Agent (in such capacity, the “Administrative Agent”) and as Collateral Agent (in such capacity, the “Collateral Agent” and together with the Administrative Agent, the “Agents”) and the Lenders parties thereto from time to time (the “Lenders” and each, individually, a “Lender”).

PRELIMINARY STATEMENTS

WHEREAS, the Borrower, the Servicer, the Originator, the Sellers, the Agents and the Lenders entered into the Existing Credit Agreement whereby the Lenders agreed to extend a revolving credit facility (the “Facility”) to the Borrower and the Borrower agreed to secure its Obligations under the Existing Credit Agreement by granting to the Collateral Agent, for the benefit of the Secured Parties, a first priority Lien on all of its assets; and

WHEREAS, the parties hereto desire to amend the Existing Credit Agreement on the terms and conditions set forth herein.

NOW THEREFORE, in consideration of the premises and other good and valuable consideration, the parties hereto hereby agree as follows:

AGREEMENT

(a)    Section 1.01 of the Existing Credit Agreement is hereby amended by adding the following definition in proper alphabetical order:

“Ares Maximum Committed Amount” means the lesser of (i) the Maximum Committed Amount and (ii) $83,333,333.

(b)     Section 1.01 of the Existing Credit Agreement is hereby amended by deleting the definition of “Targeted Ares Draw” in its entirety and replacing it with the following:

“Targeted Ares Draw” means, with respect to any date of determination, the lesser of (A) the product of (x) the Total SPV Drawn Amount as of such date of determination, multiplied by (y) a fraction, (i) the numerator of which is the Ares Maximum Committed Amount hereunder and (ii) the denominator of which is the Total SPV Committed Amount and (B) the Undrawn Amount.

(c)     Section 1.01 of the Existing Credit Agreement is hereby amended by deleting the definition of “Total SPV Committed Amount” in its entirety and replacing it with the following:

“Total SPV Committed Amount” means the sum of (i) the Ares Maximum Committed Amount hereunder plus (ii) the Atalaya Maximum Committed Amount.

(d)     Section 5.19 of the Existing Credit Agreement is hereby deleted in its entirety and replaced with the following:

Section 5.19     Proportional Draws. The Credit Parties shall cause the Borrower and the Atalaya Borrower to borrow amounts under this Agreement and the Atalaya Credit Agreement, pro rata based on the Ares Maximum Committed Amount and the Atalaya Maximum Committed Amount; provided, however that (i) compliance with the foregoing requirement shall be tested only as of the last day of each calendar quarter and (ii) discrepancies of $[***] or less between the Targeted Atalaya Draw and the aggregate amount actually drawn under the Atalaya Credit Agreement or between the Targeted Ares Draw and the aggregate amount actually drawn under this Agreement, in each case, since the Closing Date and measured as of the end of each calendar quarter shall not constitute a breach of the foregoing requirement.

(a)     The amendments set forth in Article 2, above, are effective for the purposes set forth herein and shall be limited precisely as written. This Amendment does not, and shall not be construed to, constitute a waiver of any past, present or future violation of the Credit Agreement, the other Credit Documents or any other related document, and shall not, directly or indirectly in any way whatsoever either: (i) impair, prejudice or otherwise adversely affect any Agent’s or any Lender’s right at any time to exercise any right, privilege or remedy in connection with the Credit Agreement, any other Credit Document or any other related document (all of which rights are hereby expressly reserved by the Agents and Lenders), (ii) except as specifically set forth herein, amend or alter any provision of the Credit Agreement, any other Credit Document or any other related document, (iii) constitute any course of dealing or other basis for altering any obligation of Borrower or any of its Affiliates or any right, privilege or remedy of any Agent or any Lender under the Credit Agreement, any other Credit Document or any other related document or (iv) constitute any consent (deemed or express) by any Agent or any Lender to any prior, existing or

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future violations of the Credit Agreement, any other Credit Document or any other related document. There are no oral agreements among the parties hereto, and no prior or future discussions or representations regarding the subject matter hereof shall constitute a waiver of any past, present or future violation of the Credit Agreement, any other Credit Document or any other related document.

(b)     This Amendment shall be construed in connection with and as part of the Credit Agreement and all terms, conditions, representations, warranties, covenants and agreements set forth in the Credit Agreement, as amended by this Amendment, and each other Credit Document are hereby ratified and confirmed and shall remain in full force and effect, except that on and after the date hereof all references in the other Credit Documents to the “Credit Agreement,” “thereto,” “thereof,” “thereunder” or words of like import referring to the Credit Agreement shall mean and refer to the Amended Credit Agreement.

(a)     Each Credit Party affirms that the execution, delivery and performance of this Amendment and the performance by it of the Amended Credit Agreement have been duly authorized by all necessary action, and it has all requisite power and authority to execute, deliver and perform this Amendment and to perform the Amended Credit Agreement.

(b)     Each Credit Party represents and warrants that this Amendment and the Amended Credit Agreement constitute its legally valid and binding obligations, enforceable against it in accordance with the respective terms hereof and thereof, except as enforcement may be limited by equitable principles (regardless of whether enforcement is sought in equity or at law) or by bankruptcy, insolvency, reorganization, moratorium, or similar laws relating to or limiting creditors’ rights generally.

(c)     Each Credit Party (with respect to itself) represents and warrants that the representations and warranties contained in Article 4 of the Existing Credit Agreement are true and correct in all material respects after giving effect to this Amendment on and as of the date hereof as though made on and as of the date hereof (except to the extent such representations and warranties expressly relate to an earlier date), and no Default or Event of Default exists (after giving effect to this Amendment) or would result from this Amendment becoming effective in accordance with its terms.

(a)     The Administrative Agent shall have received this Amendment duly executed by the Credit Parties.

(b)     After giving effect to the terms of this Amendment, the representations and warranties contained herein and in the Credit Agreement and the other Credit Documents shall be true and correct in all material respects (except for such representations and warranties already qualified by materiality which shall be true and correct in all respects) on and as of the Effective Default shall have occurred and be continuing.

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(c)    Borrower shall have paid to the Agents and the Lenders, as applicable, all outstanding Permitted Expenses.

(d)    The Administrative Agent shall have received an executed amendment to the Atalaya Credit Agreement, in form and substance satisfactory to the Administrative Agent.

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IN WITNESS WHEREOF, each of the parties hereto has executed this Amendment as of the date first above-written.

[Signature Page to Amendment No. 4 (OppFunding VI]

[Signature Page to Amendment No. 4 (OppFunding VI]

[Signature Page to Amendment No. 4 (OppFunding VI]