<SEC-DOCUMENT>0000000000-23-013454.txt : 20240422
<SEC-HEADER>0000000000-23-013454.hdr.sgml : 20240422
<ACCEPTANCE-DATETIME>20231211114655
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-23-013454
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20231211

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NICHOLAS FINANCIAL INC
		CENTRAL INDEX KEY:			0001000045
		STANDARD INDUSTRIAL CLASSIFICATION:	SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				593019317
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		UPLOAD
		SEC FILE NUMBER:	333-275704

	BUSINESS ADDRESS:	
		STREET 1:		2454 MCMULLEN BOOTH RD
		STREET 2:		BLDG C SUITE 501B
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33759
		BUSINESS PHONE:		7277260763

	MAIL ADDRESS:	
		STREET 1:		2454 MCMULLEN BOOTH RD
		STREET 2:		BLDG C SUITE 501B
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33759
PUBLIC REFERENCE ACCESSION NUMBER:		0000950170-23-065775
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<TEXT>
United States securities and exchange commission logo





                               December 11, 2023

       Irina Nashtatik
       Chief Financial Officer
       Nicholas Financial, Inc.
       26133 US Hwy 19 North, Suite 300
       Clearwater, FL 33763

                                                        Re: Nicholas Financial,
Inc.
                                                            Registration
Statement on Form S-4
                                                            Filed November 22,
2023
                                                            File No. 333-275704

       Dear Irina Nashtatik:

              We have conducted a limited review of your registration statement
and have the
       following comments.

              Please respond to this letter by amending your registration
statement and providing the
       requested information. If you do not believe a comment applies to your
facts and circumstances
       or do not believe an amendment is appropriate, please tell us why in
your response.

              After reviewing any amendment to your registration statement and
the information you
       provide in response to this letter, we may have additional comments.

       Form S-4 filed November 22, 2023

       Risk Factors, page 13

   1.                                                   Add a risk factor
discussing the impact of your decision to attempt to preserve your net-
                                                        operating losses on
your ability to implement your recovery plan. Disclose the amount of
                                                        the net operating
losses, and the extent to which you will be limited in your ability to enter
                                                        into transactions in
order to preserve the net operating losses.
       Risks Relating to the Loan Portfolio Sale, page 14

   2.                                                   We note your disclosure
on page 14 that "the Corporation engaged an independent third
                                                        party to deliver a
report on the 'fair value' of the Corporation   s common stock as of
                                                        September 30, 2023."
Please identify the referenced expert who performed the valuation,
                                                        the method of selection
and the experts' qualifications. Also, discus the manner in which
                                                        the expert was
compensated, the report, and the methods used to reach its findings and the
                                                        findings themselves.
Please refer to Item 1015(b) of Regulation M-A.
 Irina Nashtatik
FirstName  LastNameIrina
Nicholas Financial, Inc. Nashtatik
Comapany11,
December   NameNicholas
               2023       Financial, Inc.
December
Page  2    11, 2023 Page 2
FirstName LastName
Comparison of Shareholder Rights, page 19

3.       We note your disclosure here about the differences in shareholder
rights subject to the
         laws of British Columbia as opposed to the laws of Delaware. Consider
providing a direct
         comparison of these differences in a tabular presentation for
shareholders.
The Loan Portfolio Sale, page 33

4.       We note your disclosure on page 33 that "[i]n July 2023, Westlake
initiated an informal
         conversation with a Director of the Corporation to inquire if there
was any potential
         interest in preliminary discussions regarding the sale of the loan
portfolio to Westlake."
         Additionally, we note your disclosure on page 34 that "[d]uring
October and November
         2023, a Director and the Corporation   s legal counsel negotiated the
provisions of the
         Asset Purchase Agreement and exchanged multiple drafts of the Asset
Purchase
         Agreement. The Board was kept informed of these negotiations." Please
identify the
         director(s) you reference, clarify if the director identified on page
33 participated in the
         negations of the sale of the loan portfolio to Westlake, if the
director(s) has or has
         previously had any relationship with Westlake, and whether any
preexisting ownership,
         other than the current 50,000 shares of common stock the company has
the authority to
         issue, between the director and the company has existed.
5.       We note your disclosure on page 33 that you "believe that [y]our
automobile finance
         installment contracts will rapidly suffer large credit losses, which
in turn could result in a
         significant devaluation of the Corporation and the market value of its
stock and add
         uncertainty to [y]our ability to successfully implement [y]our
restructuring plan." We also
         note your disclosure on page 34 that "the Chief Financial Officer
presented several
         financial models reflecting the potential effects of increasing credit
losses on the current
         business, operations and financial condition and likely future
business prospects for the
         Corporation over the next four years." Please revise your disclosure
to explain the basis
         for the Chief Financial Officer's projections so that investors can
better evaluate the
         board's recommendation.
Reasons for the Loan Portfolio Sale Proposal, page 37

6.       We note your disclosure that "[a]ssuming closing of the Loan Portfolio
Sale, [you] intend
         to explore strategic alternatives for the use of the net proceeds from
the sale and seek to
         maximize the value of deferred tax assets, including net operating
losses, available to the
         Corporation. The overall timeframe and structure of the Corporation
s restructuring
         remains uncertain." We also note that the Board considered
"alternatives and transactions
         involving the Corporation as a whole, such as a merger, reverse
merger, sale of assets,
         strategic partnership or other business combination transaction, that
would have a
         reasonable likelihood of providing value to our shareholders over time
in excess of the
         amount, if any, the shareholders would receive in a liquidation."
Please clarify whether the
         board found any of these options viable and whether there are concrete
plans to liquidate
         and distribute funds. Please revise your disclosure to explain what
exactly the board plans
 Irina Nashtatik
Nicholas Financial, Inc.
December 11, 2023
Page 3
       to do with the funds that are received upon the completion of the
purchase agreement.
       Make corresponding changes to the Questions and Answers and Risk Factors
sections, as
       appropriate.
Where You Can Find More Information, page 46

7.      Please revise this section to include the hyperlinks to the documents
that were
       incorporated by reference on page 46.
General

8.     Please revise the forepart of this registration statement, and where
appropriate, to explain
       to shareholders:
           why the board is recommending this vote, and the basis for the
board's
            recommendation;
           the liquidation value of the company;
           what, if any, merger or asset acquisition plans exist;
           what the plan for restructuring is; and
           why the board believes the current plan is preferable to
liquidating.

        We remind you that the company and its management are responsible for
the accuracy
and adequacy of their disclosures, notwithstanding any review, comments, action
or absence of
action by the staff.

       Refer to Rules 460 and 461 regarding requests for acceleration. Please
allow adequate
time for us to review any amendment prior to the requested effective date of
the registration
statement.

       Please contact Aisha Adegbuyi at 202-551-8754 or Christian Windsor at
202-551-3419
with any other questions.



                                                             Sincerely,
FirstName LastNameIrina Nashtatik
                                                             Division of
Corporation Finance
Comapany NameNicholas Financial, Inc.
                                                             Office of Finance
December 11, 2023 Page 3
cc:       Anthony D. Scioli, Esq.
FirstName LastName
</TEXT>
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