Acura Pharmaceuticals took on new loans

Item 1.01 - Entry into a Material Definitive

Agreement.

Note, now has a principal balance of $11,435,886 with accrued interest of approximately $1,416,000 as of October 31, 2026 and bears interest at 5.25% ("Note"). The Events of default under the Note include, among other items, bankruptcy events, failure to pay interest and principal when due and such failure continues for 5 days, and if Acura is generally not, or is unable to, or admits in writing its inability to, pay its debts as those debts become due. If any amount payable hereunder is not paid when due (without regard to any applicable grace periods), whether at stated maturity, by acceleration, or otherwise, including upon an event of default, such overdue amount shall bear interest at the rate per annum of 7.5% from the date of such non-payment until such amount is paid in full.

The funding provided by AD Pharma was used to meet day-to-day operation activity. There can be no assurance we will be successful in receiving additional financing. In the absence of the receipt of additional financing by late-November 2026, we will be required to scale back our operations, including the furlough and lay-off of employees, or to terminate operations and/or seek protection under applicable bankruptcy laws. This could result in a complete loss of shareholder value in the Company. Even assuming we are successful in securing additional sources of financing to fund continued operations, there can be no assurance that the proceeds of such financing will be sufficient to fund operations until such time, if at all, that we generate sufficient revenue from our products and product candidates to sustain and grow our op

Item 2.03 - Creation of a Direct Financial

Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

The contents of all Items 1.01 are incorporated herein by reference.

Acura Forward-Looking Statements

Statements in this Current

Report constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and these forward-looking statements are made in reliance on the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Such forward-looking 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 such forward-looking statements.

Forward-looking statements may include, but are not limited to:

· whether the FDA will agree with or accept the results of our studies for our product candidates;

· the ability to fulfill the FDA requirements for approving our product candidates for commercial manufacturing and distribution in the United States, including, without limitation, the adequacy of the results of the laboratory and clinical studies completed to date, the results of laboratory and clinical studies we may complete in the future to support FDA approval of our product candidates and the sufficiency of our development process to meet over-the-counter

("OTC") Monograph standards, as applicable;

· whether we can successfully submit a New Drug

Application for LTX-03, request a priority review and whether such filings and requests will be accepted by the FDA;

· our ability to obtain funding from Abuse Deterrent

Pharma, LLC or other parties for our continuing operations, including the development of our products utilizing our LIMITx™ and Impede® technologies;

· whether we can renegotiate the date by which we are required to obta

Item 9.01 - Financial Statements and Exhibits

Exhibit Number

Description

99.1

Amended Loan Schedule dated October 30, 2026 to the November 10, 2022 Amended, Consolidated and Restated Secured Promissory Note with Abuse Deterrent Pharma, LLC

104

Cover Page Interactive Data File (embedded within Inline XBRL document)

3

SIGNATURES

Pursuant to the requirements of the Securities

Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

ACURA PHARMACEUTICALS, INC.

By:

/s/ Robert A. Seiser

Robert A. Seiser

Senior Vice President & Chief Financial Officer

Date: November 3, 2026

4

Amended

Loan Schedule to Secured Promissory Note dated November 10, 2022 between Acura Pharmaceuticals, Inc. and Abuse Deterrent Pharma, LLC

Date

Principal

Aggregated

Principal

Original Secured Promissory Note

11/10/2022

$ 2,319,279

$ 2,319,279

Additional Loans to be included:

Loans #1 dated 12/22/2022 through Loans #50 dated 12/31/2025

$ 7,075,000

$ 9,394,279

Loan #51

1/02/2026

$ 100,000

$ 9,494,279

Loan #52

1/16/2026

$ 100,000

$ 9,594,279

Loan #53

2/06/2026

$ 100,000

$ 9,694,279

Loan #54

2/13/2026

$ 100,000

$ 9,794,279

Loan #55

3/09/2026

$ 100,000

$ 9,894,279

Loan #56

3/30/2026

$ 100,000

$ 9,994,279

Loan #57

4/03/2026

$ 100,000

$ 10,094,279

Loan #58

4/20/2026

$ 100,000

$ 10,194,279

Loan #59

5/05/2026

$ 100,000

$ 10,294,279

Loan #60

5/15/2026

$ 100,000

$ 10,394,279

Loan #61

5/29/2026

$ 100,000

$ 10,494,279

Loan #62

6/24/2026

$ 200,000

$ 10,694,279

Loan #63

7/17/2026

$ 200,000

$ 10,894,279

Loan #64

8/14/2026

$ 200,000

$ 11,094,279

Loan #65

9/18/2026

$ 100,000

$ 11,194,279

Loan #66

10/02/2026

$ 100,000

$ 11,294,279

Loan #67

10/19/2026

$ 41,607.09

$ 11,335,886.09

Loan #68

10/30/2026

$ 100,000

$ 11,435,886.09

ACURA PHARMACEUTICALS, INC.

By:

/s/ Robert A. Seiser

Robert A. Seiser

Senior Vice President & CFO

Date: October 30, 2026