[8-K] Chicago Atlantic Real Estate Finance, Inc. Reports Material Event

Rhea-AI Filing Summary

Chicago Atlantic Real Estate Finance (REFI) furnished an update on its quarterly performance. The company announced that a press release covering financial results for the third quarter ended September 30, 2025 is available as Exhibit 99.1, and an earnings supplemental presentation is available as Exhibit 99.2.

The presentation supports a conference call scheduled for November 4, 2025 at 9:00 a.m. Eastern. Both exhibits are furnished, not filed, and the presentation is also posted on the company’s Investor Relations website.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 4, 2025

Chicago Atlantic Real Estate Finance, Inc.

(Exact name of Registrant as Specified in Its Charter)

Maryland		001-41123		86-3125132
(State or Other Jurisdiction of Incorporation)		(Commission File Number)		(IRS Employer Identification No.)

1680 Michigan Avenue Suite 700 Miami Beach, Florida		33139
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s Telephone Number, Including Area Code: 312 809-7002

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $0.01 per share		REFI		Nasdaq Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On November 4, 2025, Chicago Atlantic Real Estate Finance, Inc. (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2025. The text of the press release is included as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference.

The information set forth under this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information set forth under this Item 2.02, including Exhibit 99.1, shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, unless it is specifically incorporated by reference therein.

Item 7.01 Regulation FD Disclosure.

On November 4, 2025, the Company disseminated a presentation to be used in connection with its conference call to discuss its financial results for the third quarter ended September 30, 2025, which will be held on Tuesday, November 4, 2025, at 9:00 a.m. (eastern time). A copy of the presentation has been posted to the Company’s Investor Relations page of its website and is included herewith as Exhibit 99.2, and by this reference incorporated herein.

The information disclosed under this Item 7.01, including Exhibit 99.2 hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information provided herein shall not be deemed incorporated by reference into any filing made under the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

d) Exhibits

Exhibit Number		Description
99.1		Press release dated November 4, 2025.
99.2		Third Quarter 2025 Earnings Supplemental Presentation dated November 4, 2025.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	CHICAGO ATLANTIC REAL ESTATE FINANCE, INC.
Date: November 4, 2025	By:	/s/ Peter Sack
		Peter Sack, Co-Chief Executive Officer

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FAQ

What did REFI announce in this 8-K?

REFI furnished a press release with Q3 2025 financial results (Exhibit 99.1) and an earnings supplemental presentation (Exhibit 99.2).

When is REFI’s Q3 2025 conference call?

The call is scheduled for November 4, 2025 at 9:00 a.m. Eastern.

Are the exhibits considered filed or furnished?

The information in Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, is furnished and not deemed filed.

Where can I access REFI’s Q3 2025 presentation?

A copy is included as Exhibit 99.2 and posted on the company’s Investor Relations website.

Which exhibits are included with this 8-K?

Included are 99.1 (press release), 99.2 (Q3 2025 earnings supplemental presentation), and 104 (cover page Inline XBRL).

What period do the results cover?

The results are for the third quarter ended September 30, 2025.

What is REFI’s trading symbol and exchange?

REFI’s common stock trades on the Nasdaq Global Market under the symbol REFI.