---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-115400"
form_type: "8-K"
ticker: null
cik: "0001690536"
company_name: "FS Credit Real Estate Income Trust, Inc."
filed_at: "2025-11-24T23:59:59+00:00"
generated_at: "2026-05-16T17:20:24.016983+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# FS CREIT enters $350M repurchase facility with Capital One for mortgage loan financing

## Summary
- Facility provides up to $350M purchase price commitments, with optional increases to $500M at Capital One's discretion.
- Eligible assets include performing senior commercial/multifamily mortgage loans, A-notes, pari passu participations, mezzanine loans.
- Availability period expires Nov 19, 2026; two one-year extension options plus a term-out feature are available.
- FS CREIT guarantees payment and performance; guaranty may become full recourse upon certain bankruptcy events.
- Covenants include adjusted tangible net worth floor, EBITDA/interest >= 1.40x, debt/tangible net worth <= 3.50x, minimum liquidity >= $15M or 5% of facility outstanding.

## SEC filing metadata
- accession: 0001104659-25-115400
- form_type: 8-K
- cik: 0001690536
- company_name: FS Credit Real Estate Income Trust, Inc.
- filed_at: 2025-11-24T23:59:59+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/1690536/000110465925115400/0001104659-25-115400-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1690536/000110465925115400/tm2531974d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-115400
- JSON: https://secwatch.observer/filing/0001104659-25-115400.json
- Plain text: https://secwatch.observer/filing/0001104659-25-115400.txt

## Key facts
- Debt Financings
  FS Credit Real Estate Income Trust, Inc. incurred credit facility of up to $350,000,000 with Capital One, National Association at spread over Term SOFR maturing November 19, 2026.
  - Instrument: credit facility
  - Principal: up to $350,000,000
  - Counterparty: Capital One, National Association
  - Rate: spread over Term SOFR
  - Maturity: November 19, 2026
  - Event: incurrence
  source text: The facility provides for aggregate purchase price commitments of up to $350,000,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1690536/000110465925115400/0001104659-25-115400-index.htm

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