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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( D ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( D ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Delaware ( State or other jurisdiction of incorporation or organization ) 535 5th Ave , 29th Floor New York , NY 10017 ( Address of principal executive offices ) Commission file number : 001-38633 BM Technologies , Inc. ( Exact name of registrant as specified in its charter ) Title of Each Class : Class A Common Stock , par value $ 0.0001 per share Warrants to purchase one share of Class A Common Stock Units , each consisting of one share of Class A Common Stock and one Warrant to 82-3410369 22066 ( Zip Code ) Registrant's telephone number , including area code : ( 212 ) 235-0430 Securities registered pursuant to Section 12 ( b ) of the Act : Large accelerated filer Non - accelerated filer Emerging growth company ( I.R.S. Employer Identification Number ) Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Exchange Act . Yes No X X X Name of Each Exchange on Which Registered : The New York Stock Exchange The New York Stock Exchange The New York Stock Exchange 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 ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit and post 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 definition of " large accelerated filer , " " accelerated filer , “ smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Accelerated filer Smaller reporting company 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 As of June 30 , 2020 , the last day of the registrant's most recently completed second fiscal quarter , the aggregate market value of the Class A common stock outstanding , other than shares held by persons who may be deemed affiliates of the registrant , computed by reference to the closing sales price for the Class A common stock on such date , was approximately $ 35.0 million . As of March 29 , 2021 , there were 12,200,302 shares of Common Stock , par value $ 0.0001 per share , issued and outstanding .