---
schema_version: "secwatch.filing_event.v1"
accession: "0001452936-25-000077"
form_type: "8-K"
ticker: null
cik: "0001452936"
company_name: "Pacific Oak Strategic Opportunity REIT, Inc."
filed_at: "2025-07-18T23:59:59+00:00"
generated_at: "2026-05-18T05:38:31.384736+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Pacific Oak REIT amends $10M loan from advisor, lowers rate to 10%, extends maturity to June 2028

## Summary
- Original $8M loan from Advisor combined with $2M increase to $10M total principal.
- Interest rate reduced from 12% to 10% per annum; increases to 15% upon default.
- Maturity extended to earlier of sale of PORT shares, June 30, 2028, or acceleration event.
- Collateral granted: 3,000,000 common shares of subsidiary PORT (14.52% of outstanding).
- Covenant requires maximum loan-to-value ratio of 50% based on pledged PORT shares.

## SEC filing metadata
- accession: 0001452936-25-000077
- form_type: 8-K
- cik: 0001452936
- company_name: Pacific Oak Strategic Opportunity REIT, Inc.
- filed_at: 2025-07-18T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 2.03
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1452936/000145293625000077/0001452936-25-000077-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1452936/000145293625000077/pacoaksor-20250714.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001452936-25-000077
- JSON: https://secwatch.observer/filing/0001452936-25-000077.json
- Plain text: https://secwatch.observer/filing/0001452936-25-000077.txt

## Key facts
- Debt Financings
  Pacific Oak Strategic Opportunity REIT, Inc. amended loan of $10.0 million with Pacific Oak Capital Advisors, LLC at 10.0% per annum maturing the earlier of (i) the closing date of any sale of any or all of the common shares of Pacific Oak Residential Trust, Inc., (ii) June 30, 2028 or (iii) the date.
  - Instrument: loan
  - Principal: $10.0 million
  - Counterparty: Pacific Oak Capital Advisors, LLC
  - Rate: 10.0% per annum
  - Maturity: the earlier of (i) the closing date of any sale of any or all of the common shares of Pacific Oak Residential Trust, Inc., (ii) June 30, 2028 or (iii) the date
  - Event: amendment
  source text: declares the obligations under the Amended Loan Agreement due and payable after the occurrence of an event of default. It updates the total principal amount of the loan to $10.0 million, reflecting the $8.0 million in the Original Loan Agreement and the $2.0 million Loan Increase. The Amended Loan Agreement and related Pledge and Security Agreement by SOR PORT
  evidence_url: https://www.sec.gov/Archives/edgar/data/1452936/000145293625000077/0001452936-25-000077-index.htm

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