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Chicago Atlantic (REFI) chair awarded 37,099 restricted shares in equity grant

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Mazarakis John reported acquisition or exercise transactions in this Form 4 filing.

Chicago Atlantic Real Estate Finance, Inc. disclosed that Executive Chairman John Mazarakis was granted 37,099 restricted shares of common stock under its 2021 Omnibus Incentive Plan. The award vests in three equal installments after 12, 24 and 36 months.

Following this grant, Mazarakis directly holds 453,706 common shares. Additional indirect holdings are 31,524 shares through interests in Joppa Seasoning, LLC and 5,000 shares held by his spouse, for which he disclaims beneficial ownership except to the extent of his pecuniary interest.

Positive

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Insider Mazarakis John
Role Executive Chairman
Type Security Shares Price Value
Grant/Award Common Stock 37,099 $0.00 $0.00
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 453,706 shares (Direct); Common Stock — 5,000 shares (Indirect, By spouse); Common Stock — 31,524 shares (Indirect, Held through ownership of interests in Joppa Seasoning, LLC)
Footnotes (2)
  1. F1. On April 20, 2026, Mr. Mazarakis was awarded 37,099 restricted shares of common stock under the Chicago Atlantic Real Estate Finance, Inc. 2021 Omnibus Incentive Plan. Pursuant to the terms of the award agreement, the 37,099 restricted shares of common stock will vest over a three-year period, with one-third of the restricted stock vesting after 12 months, 24 months and 36 months, respectively.
  2. F2. The reporting person disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.
Restricted stock award 37,099 shares Granted on April 20, 2026 under 2021 Omnibus Incentive Plan
Direct holdings after award 453,706 shares Common stock directly owned by John Mazarakis after grant
Indirect LLC holdings 31,524 shares Held through interests in Joppa Seasoning, LLC
Spousal holdings 5,000 shares Common stock held by spouse; beneficial ownership disclaimed except pecuniary interest
Vesting structure Three equal tranches Vests in thirds after 12, 24 and 36 months
restricted shares financial
"Mr. Mazarakis was awarded 37,099 restricted shares of common stock"
Restricted shares are company stock that cannot be sold or transferred immediately because they are subject to legal or contractual limits, such as a required holding period or performance conditions. They matter to investors because these locked-up shares can affect a company’s available stock for trading, future dilution, and insider incentives—imagine a gift that can’t be cashed until certain conditions are met, which changes when and how much supply can suddenly enter the market.
2021 Omnibus Incentive Plan financial
"under the Chicago Atlantic Real Estate Finance, Inc. 2021 Omnibus Incentive Plan"
beneficial ownership financial
"The reporting person disclaims beneficial ownership of these shares"
Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.
pecuniary interest financial
"except to the extent of his pecuniary interest therein"
indirect ownership financial
"Held through ownership of interests in Joppa Seasoning, LLC"

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What did Chicago Atlantic (REFI) Executive Chairman John Mazarakis report in this Form 4?

John Mazarakis reported receiving 37,099 restricted shares of Chicago Atlantic common stock as an award. The filing also lists his updated direct and indirect holdings following this equity grant.

How many restricted shares were granted to John Mazarakis in the REFI filing?

The Form 4 shows an award of 37,099 restricted shares of common stock. These shares were granted under Chicago Atlantic’s 2021 Omnibus Incentive Plan as part of his equity compensation.

What is the vesting schedule for the 37,099 restricted REFI shares?

The 37,099 restricted shares vest over three years in equal parts. One-third vests after 12 months, another third after 24 months, and the final third after 36 months from the award date.

What are John Mazarakis’s direct share holdings in Chicago Atlantic after this award?

After the award, John Mazarakis directly holds 453,706 shares of Chicago Atlantic common stock. This figure reflects his direct ownership position following the 37,099-share restricted stock grant.

Under which plan were the REFI restricted shares to John Mazarakis granted?

The 37,099 restricted shares were granted under the Chicago Atlantic Real Estate Finance, Inc. 2021 Omnibus Incentive Plan, which governs equity-based compensation awards to eligible participants.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Mazarakis John

(Last)(First)(Middle)
CHICAGO ATLANTIC REAL ESTATE FINANCE INC
1680 MICHIGAN AVENUE, SUITE 700

(Street)
MIAMI BEACH FLORIDA 33139

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Chicago Atlantic Real Estate Finance, Inc. [ REFI ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
Executive Chairman
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/20/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock04/20/2026A37,099A$0.00453,706(1)D
Common Stock5,000IBy spouse(2)
Common Stock31,524IHeld through ownership of interests in Joppa Seasoning, LLC(2)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. On April 20, 2026, Mr. Mazarakis was awarded 37,099 restricted shares of common stock under the Chicago Atlantic Real Estate Finance, Inc. 2021 Omnibus Incentive Plan. Pursuant to the terms of the award agreement, the 37,099 restricted shares of common stock will vest over a three-year period, with one-third of the restricted stock vesting after 12 months, 24 months and 36 months, respectively.
2. The reporting person disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.
/s/ John Mazarakis04/22/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)