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Terra Income Fund 6, LLC has voluntarily withdrawn the 7.00% Notes due 2026 from listing on the New York Stock Exchange LLC via Form 25. The Exchange certified compliance with 17 CFR 240.12d2-2 and the issuer attested to meeting the Exchange's withdrawal requirements.
Terra Property Trust, Inc. and Terra Income Fund 6, LLC are pursuing exchange offers to swap unsecured 6.00% TPT Notes due June 30, 2026 and unsecured 7.00% TIF6 Notes due March 31, 2026 for new 7.00% senior secured notes due 2029.
TIF6 has approximately $38.4 million of TIF6 Notes outstanding, cash of $0.4 million, assets of $105.8 million and a $48.1 million promissory note receivable from the Company as of December 31, 2025. The Company has approximately $80.4 million of TPT Notes outstanding and cash of $33.2 million as of the same date.
As of March 12, 2026, only 3.80% of the TPT Notes and 0.37% of the TIF6 Notes have been tendered. The Company states there may not be sufficient liquidity for TIF6 to repay the TIF6 Notes at maturity while maintaining the Company as a going concern and has hired restructuring banker Portage Point Partners, LLC and restructuring counsel Alston & Bird LLP to evaluate strategic and restructuring alternatives related to the Existing Notes.
Terra Income Fund 6, LLC (TFSA) filed its quarterly report, showing a wider loss as credit costs and equity-method losses weighed on results. The company reported a net loss of $3,398,585 for the quarter on total revenues of $1,901,796. A higher provision for credit losses of $924,129 and a loss from unconsolidated investments of $1,870,622 drove the decline.
At period end, total assets were $109,442,642 and cash rose to $11,494,870. Loans held for investment and through participations totaled $31,649,464 (carrying value), with three non‑performing loans at an amortized cost of $49.0 million and an allowance for credit losses of $18,247,019. The portfolio skews to mixed‑use and California exposure. The company received $6,119,683 in distributions from a joint venture following a property sale.
On the liability side, unsecured notes payable remain at $38,375,000 principal, maturing March 31, 2026; the company states it was in compliance with covenants. Interest expense on the notes was $1,041,941 in the quarter. A promissory note receivable from the parent stood at $38,064,506, contributing $0.8 million of interest income in the quarter.
Terra Income Fund 6, LLC (Terra LLC) reports interim consolidated results following its October 1, 2022 merger that made Terra LLC successor to Terra BDC. The company holds $38.4 million aggregate principal of 7.00% Senior Notes due 2026, which it assumed in the merger and remains in compliance with covenants as of June 30, 2025. The loan portfolio shows an increase in non-performing loans to three loans with $47.9 million amortized cost (vs. two loans and $27.3 million at Dec 31, 2024) and a specific allowance of $15.5 million as of both June 30, 2025 and Dec 31, 2024. Terra LLC had a related-party revolving promissory note receivable from Terra REIT with an outstanding balance of $47.2 million as of June 30, 2025 and recorded interest income of $1.7 million for the six months ended June 30, 2025. Unfunded loan commitments were $0 at June 30, 2025. The company uses a model-based CECL allowance methodology and values real-estate loans as Level 3 using discounted cash flows.
Terra Income Fund 6, LLC filed a notification that its Quarterly Report on Form 10‑Q for the quarter ended June 30, 2025 will be filed late, citing the need for more time to finalize disclosures on expected repayments, strategic sales of certain investments and refinancings intended to address the maturity of its 7.00% senior notes due March 31, 2026. The company expects to file the 10‑Q within the additional time allowed under Rule 12b‑25.
Preliminary results discussion indicates interest income rose by $0.1 million for the quarter but fell by $0.2 million for the first six months versus 2024, while management and operating fees under a cost sharing agreement decreased. Provision for credit losses increased to $0.8 million for the quarter and $1.6 million for six months, and net loss increased by $0.3 million for the quarter but decreased by $0.5 million year‑to‑date compared with 2024.