---
schema_version: "secwatch.filing_event.v1"
accession: "0001015328-23-000135"
form_type: "8-K"
ticker: "WTFC"
cik: "0001015328"
company_name: "WINTRUST FINANCIAL CORP"
filed_at: "2023-06-06T23:59:59+00:00"
generated_at: "2026-06-14T06:16:32.760372+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Wintrust subsidiary extends receivables facility to Dec 2024, increases limit to $520M

## Summary
- Facility limit increased from $420M to $520M; fee rate raised from 0.775% to 0.825%.
- Commitment maturity date extended to December 15, 2024.
- CDOR references replaced with Benchmark rate due to CDOR cessation in June 2024.
- Wintrust reaffirms performance guarantee for subsidiary's obligations.
- Fee letter updated modifying fund costs, rates, notices, and fees.

## SEC filing metadata
- accession: 0001015328-23-000135
- form_type: 8-K
- ticker: WTFC
- cik: 0001015328
- company_name: WINTRUST FINANCIAL CORP
- filed_at: 2023-06-06T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1015328/000101532823000135/0001015328-23-000135-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1015328/000101532823000135/wtfc-20230531.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001015328-23-000135
- JSON: https://secwatch.observer/filing/0001015328-23-000135.json
- Plain text: https://secwatch.observer/filing/0001015328-23-000135.txt

## Key facts
- Debt Financings
  WINTRUST FINANCIAL CORP amended credit facility of $520 million with Plaza Trust (CIBC Mellon Trust Company as trustee) at 0.825% (fee rate) maturing December 15, 2024.
  - Instrument: credit facility
  - Principal: $520 million
  - Counterparty: Plaza Trust (CIBC Mellon Trust Company as trustee)
  - Rate: 0.825% (fee rate)
  - Maturity: December 15, 2024
  - Event: amendment
  source text: Pursuant to the Amendment, the Commitment Maturity Date of the Receivables Purchase Agreement has been extended to December 15, 2024, the facility limit has been increased from $420 million to $520 million, and the fee rate increased from 0.775% to 0.825%.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1015328/000101532823000135/0001015328-23-000135-index.htm
- Material Agreements
  WINTRUST FINANCIAL CORP amended Eleventh Amending Agreement with First Insurance Funding of Canada Inc. and CIBC Mellon Trust Company, as trustee of Plaza Trust, by its financial services agent Royal Bank of Canada valued at $520 million (effective 2023-05-31).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: First Insurance Funding of Canada Inc. and CIBC Mellon Trust Company, as trustee of Plaza Trust, by its financial services agent Royal Bank of Canada
  - Value: $520 million
  - Effective: 2023-05-31
  source text: On May 31, 2023, an indirect subsidiary of Wintrust Financial Corporation (“Wintrust”), First Insurance Funding of Canada Inc. (“First Canada) entered into the Eleventh Amending Agreement, dated as of May 31, 2023 (the “Amendment”) to the Receivables Purchase Agreement dated as of December 16, 2014 (as amended, the “Receivables Purchase Agreement”) by and between First Canada and CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust (“Plaza Trust”), by its financial services agent, Royal Bank of Canada.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1015328/000101532823000135/0001015328-23-000135-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.