Item 2.02 Results of Operations and Financial Condition

On November 14, 2008, Fusion Telecommunications International, Inc. ("Fusion") issued a press release entitled "Fusion Reports Third Quarter 2008 Results" relating to its financial results for its 2008 third quarter.

A copy of the press release is furnished as Exhibit 99.B1 to this report and is incorporated herein by reference.

The information in this Current Report on Form 8-K (including Exhibit 99.B1) is furnished pursuant to Item 2.02 and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing made by Fusion under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such a filing.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

On November 17, 2008, the Company borrowed $560,000 from an entity that is a shareholder of the Company. The loan is evidenced by a secured promissory note ("Note") providing repayment of the outstanding principal sum together with interest accrued at the rate of 12% per annum upon the unpaid principal balance until the principal balance is paid in full. The maturity date of this note is January 5, 2010. In the event that the note is not repaid by the maturity date
(a) the note will automatically convert to a demand note, and (b) the principal sum and all accrued interest will be payable in full upon ten days notice from the lender. The note also grants the lender a collateralized security interest, pari passu with other lenders, in the Company's accounts receivable. The proceeds will be for general working capital purposes. The Form of Secured Promissory Note issued in this transaction is filed as an exhibit to this report.

Item 9.01 Financial Statements and Exhibits.

The following exhibit 99.B1 relating to Item 2.02 shall be deemed to be furnished and not filed.

(d) Exhibits

10.1 Form of Secured Promissory Note 99.B1 Notice to Security Holders, recent Press Release issued by Fusion Telecommunications International, Inc., dated August 7, 2008 entitled "Fusion to Release Second Quarter 2008 Financial Results on August 14, 2008."