---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-108539"
form_type: "8-K"
ticker: "LFT"
cik: "0001547546"
company_name: "Lument Finance Trust, Inc."
filed_at: "2025-11-07T23:59:59+00:00"
generated_at: "2026-05-16T23:02:33.868521+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Lument Finance Trust subsidiary enters $450M repurchase facility with JPMorgan

## Summary
- LCMT Warehouse, LLC (indirect sub) entered $450M uncommitted master repurchase agreement with JPMorgan Chase.
- Facility matures Nov 3, 2028; seller can extend by two 1-year periods subject to conditions.
- Advances accrue at Term SOFR plus a case-by-case spread; no commitment from buyer to fund.
- Lument Finance Trust guarantees up to 25% of unpaid repurchase price; covenants include minimum liquidity, net worth, leverage ratio.

## SEC filing metadata
- accession: 0001104659-25-108539
- form_type: 8-K
- ticker: LFT
- cik: 0001547546
- company_name: Lument Finance Trust, Inc.
- filed_at: 2025-11-07T23:59:59+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/1547546/000110465925108539/0001104659-25-108539-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1547546/000110465925108539/tm2530566d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-108539
- JSON: https://secwatch.observer/filing/0001104659-25-108539.json
- Plain text: https://secwatch.observer/filing/0001104659-25-108539.txt

## Key facts
- Debt Financings
  Lument Finance Trust, Inc. incurred credit facility of up to $450 million with JPMorgan Chase Bank, National Association at term SOFR plus a spread maturing November 3, 2028.
  - Instrument: credit facility
  - Principal: up to $450 million
  - Counterparty: JPMorgan Chase Bank, National Association
  - Rate: term SOFR plus a spread
  - Maturity: November 3, 2028
  - Event: incurrence
  source text: The Repurchase Agreement provides up to $450 million to finance first mortgage loans, controlling loan participations and other commercial mortgage loan debt instruments secured by commercial real estate, as described in more detail in the Repurchase Agreement.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1547546/000110465925108539/0001104659-25-108539-index.htm

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