---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-23-015025"
form_type: "8-K"
ticker: "REFI"
cik: "0001867949"
company_name: "Chicago Atlantic Real Estate Finance, Inc."
filed_at: "2023-02-28T23:59:59+00:00"
generated_at: "2026-06-18T22:49:02.502575+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Chicago Atlantic extends $92.5M credit facility maturity to Dec 2024

## Summary
- Amended $92.5M secured revolving credit facility with six FDIC-insured banks.
- Maturity extended from Dec 16, 2023 to Dec 16, 2024; one-year extension option retained.
- Interest rate: Prime Rate plus Applicable Margin (0%-1.25% over Prime, 3.25% floor); currently at Prime.
- No other material terms of the Third Amended and Restated LSA were modified.

## SEC filing metadata
- accession: 0001213900-23-015025
- form_type: 8-K
- ticker: REFI
- cik: 0001867949
- company_name: Chicago Atlantic Real Estate Finance, Inc.
- filed_at: 2023-02-28T23:59:59+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/1867949/000121390023015025/0001213900-23-015025-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1867949/000121390023015025/ea174275-8k_chicago.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-23-015025
- JSON: https://secwatch.observer/filing/0001213900-23-015025.json
- Plain text: https://secwatch.observer/filing/0001213900-23-015025.txt

## Key facts
- Debt Financings
  Chicago Atlantic Real Estate Finance, Inc. amended revolving credit maturing December 16, 2024.
  - Instrument: revolving credit
  - Maturity: December 16, 2024
  - Event: amendment
  source text: The First Amendment amends the Third Amended and Restated LSA, dated November 7, 2022, to extend the maturity date from December 16, 2023 to December 16, 2024 and extend the period during which the Company may exercise the one-year extension option, subject to customary closing conditions.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1867949/000121390023015025/0001213900-23-015025-index.htm
- Material Agreements
  Chicago Atlantic Real Estate Finance, Inc. amended First Amendment to the Third Amended and Restated Loan and Security Agreement with the various financial institutions party thereto (effective 2023-02-27).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: the various financial institutions party thereto
  - Effective: 2023-02-27
  source text: On February 27, 2023, Chicago Atlantic Lincoln, LLC (“CAL”), a Delaware limited liability company and a wholly-owned financing subsidiary of Chicago Atlantic Real Estate Finance, Inc. (the “Company”), entered into the First Amendment (the “First Amendment”) to the Third Amended and Restated Loan and Security Agreement (the “Third Amended and Restated LSA”) by and among CAL and other borrowers from time to time party thereto, as the borrower (the “Borrowers”), and the various financial institutions party thereto, as lenders (the “Lenders”) related to a secured revolving credit facility (the “Revolving Loan”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1867949/000121390023015025/0001213900-23-015025-index.htm

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