FORM10-K (Mark One) ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember31, 2024 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________________ to _________________ Commission File No.:001-37703 IZEA WORLDWIDE, INC. (Exact name of registrant as specified in its charter) Registrant’s telephone number, including area code:(407)674-6911 Securities registered pursuant to Section 12(b) of the Act: 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. Yeso Nox Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yeso Nox Table of Contents 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 of1934 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 suchfiling requirements for the past 90 days.Yesx Noo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒Noo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, oran emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule 12b-2 of the Exchange Act. Largeacceleratedfiler☐Non-Accelerated Filer☒ Acceleratedfiler☐Smallerreportingcompany☒Emerging growth 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 anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.o Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internalcontrol over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm thatprepared or issued its audit report.☐ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included inthe filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensationreceived by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes o Nox The aggregate market value of the voting and non-voting common equity held by non-affiliates as of June 28, 2024 (the last business day of theregistrant's most recently completed second fiscal quarter) was $29,043,605based on the closing bid price of the registrant's common stock of $2.35per share on such date. All executive officers and directors of the registrant and all 10% or greater stockholders have been deemed, solely for thepurpose of the foregoing calculation, to be “affiliates” of the registrant. As of March25, 2025,16,914,522shares of our common stockwere outstanding. DOCUMENTS INCORPORATED BY REFERENCE None. Annual Report on Form 10-K for the period ended December31, 2024 Table of Contents PagePART IItem 1. Business2Item 1A. Risk Factors7Item 1B. Unresolved Staff Comments20Item 1C. Cybersecurity20Item 2. Properties21Item 3. Legal Proceedings21Item 4. Mine Safety Disclosures21 Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities22Item 6. Selected Financial Data22Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations23Item 7A. Quantitative and Qualitative Disclosures About Market Risk34Item 8. Financial Statements and Supplementary DataReport of Independent Registered Public Accounting Firm36Consolidated Balance Sheets as of December 31, 2024 and 202337Consolidated Statements of Operations for the years ended December 31, 2024 and 202338Consolidated Statements of Comprehensive Loss for the years ended December 31, 2024 and 202339Consolidated Statements of Stockholders’ Equity for the years ended December 31, 2024 and 202340Consolidated Statements of Cash Flows for the years ended December 31, 2024 and 202341Notes to the Consolidated Fi