Chicago Atlantic Real Estate Finance, Inc. (REFI): debt financing — Chicago Atlantic Q2 distributable EPS $0.51; extends credit facility to 2028

Chicago Atlantic Real Estate Finance, Inc.

2025-Q2 EPS reported $0.89

Net income $8.88M ($0.41 diluted); distributable earnings $10.85M ($0.51) vs $9.93M ($0.50) YoY.
Loan principal $421.9M; weighted avg yield 16.8% vs 18.7% YoY and 16.9% Q1 2025.
Received ~$56.8M in unscheduled principal repayments (6 facilities) in July-Aug 2025; $1.0M prepay fees.
Extended revolving credit facility maturity to June 30, 2028 (from June 30, 2026); $97.6M available.
Debt/equity ratio 38.8% (up from 28.0% Q1 2025); book value $14.71; quarterly dividend $0.47.

item 1.01 item 2.02 item 2.03 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Debt Financings SEC 8-K Item 2.03/2.04 confidence 0.9

Chicago Atlantic Real Estate Finance, Inc. amended revolving credit with various financial institutions maturing June 30, 2028.

Instrument: revolving credit
Counterparty: various financial institutions
Maturity: June 30, 2028
Event: amendment

Exact text from the filing

The August 2025 Amendment amends the Sixth Amended and Restated Loan and Security Agreement, dated September 30, 2024 (the “Sixth Amended and Restated LSA”), to extend the contractual maturity date from June 30, 2026 to June 30, 2028.

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Chicago Atlantic Real Estate Finance, Inc. filing history →

Source: SEC EDGAR

accession 0001213900-25-072809

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