---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-25-072809"
form_type: "8-K"
ticker: "REFI"
cik: "0001867949"
company_name: "Chicago Atlantic Real Estate Finance, Inc."
filed_at: "2025-08-07T23:59:59+00:00"
generated_at: "2026-05-17T18:22:56.674108+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Chicago Atlantic Q2 distributable EPS $0.51; extends credit facility to 2028

## Summary
- 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.

## SEC filing metadata
- accession: 0001213900-25-072809
- form_type: 8-K
- ticker: REFI
- cik: 0001867949
- company_name: Chicago Atlantic Real Estate Finance, Inc.
- filed_at: 2025-08-07T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.02, 2.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1867949/000121390025072809/0001213900-25-072809-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1867949/000121390025072809/ea0251992-8k_chicago.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-072809
- JSON: https://secwatch.observer/filing/0001213900-25-072809.json
- Plain text: https://secwatch.observer/filing/0001213900-25-072809.txt

## Key facts
- Debt Financings
  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
  source text: 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.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1867949/000121390025072809/0001213900-25-072809-index.htm

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