---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-116039"
form_type: "8-K"
ticker: null
cik: "0001412502"
company_name: "Sterling Real Estate Trust"
filed_at: "2025-11-25T23:59:59+00:00"
generated_at: "2026-05-16T16:53:05.399513+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Sterling Real Estate Trust secures $40M revolving credit facilities from Gate City Bank

## Summary
- Two $20M credit agreements executed Nov 21, 2025; one at prime minus 1.5% (5.50%), other at prime minus 0.75% (6.25%).
- Three-year term; secured by mortgages on properties and fully guaranteed by the trust.
- Proceeds for operating needs and acquisitions.

## SEC filing metadata
- accession: 0001104659-25-116039
- form_type: 8-K
- cik: 0001412502
- company_name: Sterling Real Estate Trust
- filed_at: 2025-11-25T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1412502/000110465925116039/0001104659-25-116039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1412502/000110465925116039/sret-20251121x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-116039
- JSON: https://secwatch.observer/filing/0001104659-25-116039.json
- Plain text: https://secwatch.observer/filing/0001104659-25-116039.txt

## Key facts
- Material Agreements
  Sterling Real Estate Trust entered into Credit Agreement with Gate City Bank valued at $20.0 million (effective 2025-11-21).
  - Action: entry
  - Agreement: credit facility
  - Counterparty: Gate City Bank
  - Value: $20.0 million
  - Effective: 2025-11-21
  source text: On November 21, 2025 (the “Effective Date”), Sterling Properties LLLP (the "Operating Partnership"), a wholly-owned subsidiary of Sterling Real Estate Trust (the “Company”), entered into a Credit Agreement (the “Credit Agreement”) with Gate City Bank (“Lender”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1412502/000110465925116039/0001104659-25-116039-index.htm
- Material Agreements
  Sterling Real Estate Trust entered into Credit Agreement with Gate City Bank valued at $20.0 million (effective 2025-11-21).
  - Action: entry
  - Agreement: credit facility
  - Counterparty: Gate City Bank
  - Value: $20.0 million
  - Effective: 2025-11-21
  source text: Additionally, On November 21, 2025 (the “Effective Date”), Sterling Properties LLLP (the "Operating Partnership"), a wholly-owned subsidiary of Sterling Real Estate Trust (the “Company”), entered into a Credit Agreement (the “Credit Agreement”) with Gate City Bank (“Lender”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1412502/000110465925116039/0001104659-25-116039-index.htm

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