Rezolve AI PLC (RZLV) has acknowledged rising interest rates as a potential risk factor in its forward-looking statements, which is a key consideration for future debt financing. The January 2025 context likely refers to the company's January 2026 filing (which covers events in 2025) and July 2025 filings, where "inflation or rising interest rates" are explicitly listed among factors that could cause actual results to differ materially from expectations.1 This general risk factor suggests an awareness of the broader economic environment.
However, a more detailed October 2025 filing (EX-99.2) presents a nuanced view of Rezolve AI's direct interest rate risk. It states, "We have no interest rate risk" concerning its short-term debt from related parties, as these consist of unsecured, interest-free loans and unsecured convertible loans with fixed interest rates.2 Similarly, other convertible debt and convertible promissory notes also carry fixed interest rates.2
Despite this, Rezolve AI does have debt instruments exposed to interest rate fluctuations or already carrying high fixed rates:
- Yorkville Loan: An unsecured loan from Yorkville (YA II PN, LTD) obtained in February 2024 carried a 10.0% annual interest rate, which increases to 18% upon an event of default.2
- Facility Debt: As of June 30, 2025, a facility had an effective interest rate of approximately 14.2%.2
- Acquired Loans: Loans acquired through the Prediqt acquisition carry interest rates ranging from 17% to 22%.2
Therefore, while some existing debt is insulated, rising interest rates could significantly impact Rezolve AI's future debt financing by increasing the cost of new borrowings or refinancing existing debt not on fixed terms. The high rates on some current debt indicate a potentially higher cost of capital for the company, making new financing more expensive in a rising rate environment.
