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Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 ( Mark One ) NNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Cayman Islands ( State or Other Jurisdiction of Incorporation or Organization FORM 10 - K Victory Park Capital Advisors , LLC 150 North Riverside Plaza , Suite 5200 Chicago , IL ( Address of Principal Executive Offices ) VPC IMPACT ACQUISITION HOLDINGS ( Exact Name of Registrant as Specified in Its Charter ) Title of each class Units , each consisting of one Class A ordinary share , $ 0.0001 par value , and one - half of one Warrant to purchase one Class A ordinary share Class A ordinary shares , $ 0.0001 par value per share Warrants to purchase Class A ordinary shares Commission File Number : 001-39544 to ( 312 ) 701-1777 ( Registrant's Telephone Number , Including Area Code ) Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) VIHAU VIH VIHAW Securities registered pursuant to Section 12 ( g ) of the Act : None 98-1550750 ( I.R.S. Employer Identification No. ) 60606 ( Zip Code ) Name of each exchange on which registered The Nasdaq Stock Market LLC The Nasdaq Stock Market LLC The Nasdaq Stock Market LLC No X No Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( Section 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer " " smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . ( Check one ) : Large accelerated filer □ Non - accelerated filer Accelerated filer Smaller reporting company Emerging growth company Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . If an emerging growth company , indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No The registrant was not a public company at June 30 , 2020 , the last business day of the registrant's most recently completed second fiscal quarter , and therefore it cannot calculate the aggregate market value of its voting and non - voting common equity held by non - affiliates at such date . The registrant's units began trading on the Nasdaq Capital Market on September 23 , 2020 and the registrant's Class A ordinary shares began separate trading on the Nasdaq on November 13 , 2020. The aggregate market value of the registrant's Class A ordinary shares outstanding , other than shares held by persons who may be deemed affiliates of the registrant , at December 31 , 2020 , computed by reference to the closing price for the Class A ordinary shares on such date , as reported on the Nasdaq , was $ 223,907,781.60 . As of March 29 , 2021 , there were 20,732,202 Class A ordinary shares , par value $ 0.0001 , and 5,184,300 Class B ordinary shares , $ 0.0001 par value , issued and outstanding .