Alto Neuroscience, Inc.

2024-04, Debt Debt with Conversion and Other Options (Subtopic 470-20): Induced Conversions of Convertible Debt Instruments, which affects entities that settle convertible debt instruments for which the conversion privileges were changed to induce conversion.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

Debt K2 HealthVentures LLC Loan Agreement On December 16, 2022, the Company entered into a Loan and Security Agreement (the Original Loan Agreement ) with K2 HealthVentures LLC as a lender, the other lenders party thereto (collectively, the Lender ), K2 HealthVentures LLC, as administrative agent for Lender (the Administrative Agent ), and Ankura Trust Company, LLC, as collateral agent for the Lender.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

Pursuant to the terms of the Original Loan Agreement, the Lender agreed to make available to the Company term loans (each, collectively, the Term Loan ) in an aggregate principal amount of up to $ 35.0 million.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

The Original Loan Agreement had a Term Loan maturity date of December 1, 2026 (the Original Term Loan Maturity Date ).

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

On January 13, 2025, the Company entered into an amendment to the Original Loan Agreement (the Amendment and the Original Loan Agreement as amended thereby, the Amended Loan Agreement ) to, among other things, extend the Original Term Loan Maturity Date and increase the maximum available amount of term loans.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

The Amended Loan Agreement provides for term loans in an aggregate principal amount of up to $ 75.0 million, consisting of: a first tranche term loan of $ 20.0 million; second tranche term loans of up to $ 30.0 million in the aggregate available at the Company s request until December 15, 2025, subject to certain time-based, clinical milestones; and third tranche term loans of up to $ 25.0 million in the aggregate available at the Company s request subject to the Lender s approval.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

( Alto ) (NYSE ANRO) a clinical-stage biopharmaceutical company focused on the development of novel precision medicines for neuropsychiatric disorders, today reported financial results for the quarter ended June 30, 2025, and highlighted recent progress across its pipeline of clinical-stage product candidates.

SEC original ↗Alto Neuroscience, Inc. — Earnings release (8-K exhibit)EX-99Aug 13, 2025

, a highly accomplished executive with a strong background in medicine and over 20 years of strategic 3 experience in the life sciences industries.

SEC original ↗Alto Neuroscience, Inc. — Earnings release (8-K exhibit)EX-99Aug 13, 2025

All statements other than statements of historical fact contained in this Quarterly Report, including statements regarding our plans, objectives, goals, strategies, future events, future revenues or performance, financing needs, plans, or intentions relating to product candidates and markets and business trends are forward-looking statements.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

The Company s obligations under the Amended Loan Agreement are secured by a first priority security interest in substantially all of its assets (with an exclusion for intellectual property).

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

The novel formulation is designed to retain the desired brain effects shown with the oral formulation while avoiding the tolerability challenges and adverse effects known to be associated with PDE4 inhibitors.

SEC original ↗Alto Neuroscience, Inc. — Earnings release (8-K exhibit)EX-99Aug 13, 2025

Legal Proceedings 41 Item 1A.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

Table of Contents SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q, or Quarterly Report, contains forward-looking statements about us and our industry that involve substantial risks and uncertainties.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

These statements involve known and unknown risks, uncertainties, and other factors which may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

These forward-looking statements reflect our management s beliefs and views with respect to future events and are based on estimates and assumptions as of the date of this Quarterly Report and are subject to risks and uncertainties.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026

Because forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified, you should not rely on these forward-looking statements as predictions of future events.

SEC original ↗Alto Neuroscience, Inc. — 10-Q Quarterly report10-QAug 12, 2026