FS Credit Real Estate Income Trust Enters Material Agreement
| Field | Detail |
|---|---|
| Company | Fs Credit Real Estate Income Trust, Inc. |
| Form Type | 8-K |
| Filed Date | Oct 31, 2025 |
| Risk Level | medium |
| Pages | 3 |
| Reading Time | 3 min |
| Key Dollar Amounts | $1,000,000,000, $1,500,000,000 |
| Sentiment | neutral |
Sentiment: neutral
Topics: material-agreement, financial-obligation
TL;DR
FS Credit Real Estate Income Trust just signed a big deal on 10/27/25, creating a new financial obligation.
AI Summary
FS Credit Real Estate Income Trust, Inc. entered into a material definitive agreement on October 27, 2025. This agreement creates a direct financial obligation for the registrant. The filing also includes financial statements and exhibits related to this event.
Why It Matters
This filing indicates a significant new financial commitment or obligation for FS Credit Real Estate Income Trust, Inc., which could impact its financial structure and future operations.
Risk Assessment
Risk Level: medium — Entering into material definitive agreements and creating financial obligations can introduce new risks related to the terms of the agreement and the company's ability to meet them.
Key Players & Entities
- FS Credit Real Estate Income Trust, Inc. (company) — Registrant
- October 27, 2025 (date) — Date of earliest event reported
- Maryland (jurisdiction) — State of incorporation
FAQ
What type of material definitive agreement did FS Credit Real Estate Income Trust, Inc. enter into?
The filing states that FS Credit Real Estate Income Trust, Inc. entered into a material definitive agreement on October 27, 2025, which created a direct financial obligation. However, the specific details of the agreement are not provided in this summary.
What is the nature of the direct financial obligation created by this agreement?
The filing indicates the creation of a direct financial obligation but does not specify the exact nature or amount of this obligation.
When was the earliest event reported in this 8-K filing?
The earliest event reported in this 8-K filing occurred on October 27, 2025.
What is the Commission File Number for FS Credit Real Estate Income Trust, Inc.?
The Commission File Number for FS Credit Real Estate Income Trust, Inc. is 000-56163.
What is the primary business of FS Credit Real Estate Income Trust, Inc. according to its SIC code?
According to its Standard Industrial Classification (SIC) code [6798], FS Credit Real Estate Income Trust, Inc. is in the Real Estate Investment Trusts industry.
Filing Stats: 820 words · 3 min read · ~3 pages · Grade level 11.2 · Accepted 2025-10-31 16:03:36
Key Financial Figures
- $1,000,000,000 — reases the maximum facility amount from $1,000,000,000 to $1,500,000,000, (b) reduces the appl
- $1,500,000,000 — facility amount from $1,000,000,000 to $1,500,000,000, (b) reduces the applicable spread from
Filing Documents
- tm2529881d1_8k.htm (8-K) — 69KB
- tm2529881d1_ex10-1.htm (EX-10.1) — 1546KB
- tm2529881d1_ex10-2.htm (EX-10.2) — 47KB
- 0001104659-25-104921.txt ( ) — 2097KB
- fscreit-20251027.xsd (EX-101.SCH) — 3KB
- fscreit-20251027_lab.xml (EX-101.LAB) — 33KB
- fscreit-20251027_pre.xml (EX-101.PRE) — 22KB
- tm2529881d1_8k_htm.xml (XML) — 3KB
01
Item 1.01. Entry into a Material Definitive Agreements. MM-1 Facility – Fourth Amendment to the Amended and Restated Loan and Servicing Agreement On October 27, 2025, FS CREIT Finance MM-1 LLC (an indirectly wholly owned subsidiary of FS Credit Real Estate Income Trust, Inc. (the " Company ")), as borrower, entered into a Fourth Amendment to the Amended and Restated Loan and Servicing Agreement, originally dated as of April 27, 2022, with Wells Fargo Bank, National Association, as administrative agent, Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company, as lenders, and the other parties thereto. The amendment, among other things, (a) increases the maximum facility amount from $1,000,000,000 to $1,500,000,000, (b) reduces the applicable spread from 2.30% to 2.05%, (c) extends the scheduled maturity date from September 20, 2031 to September 17, 2034 and (d) provides for the financing of certain real estate owned assets. In connection therewith, the Company entered into a Guaranty Agreement pursuant to which the Company, as guarantor, guarantees the payment of certain obligations, provided that on any date of determination the maximum amount payable under the Guaranty Agreement will equal 25% of the full amount of the advances outstanding attributable to the real estate owned assets as of the date that the administrative agent or any other secured party first exercises remedies or otherwise makes a claim under the Guaranty Agreement. The material terms of the Fourth Amendment to the Amended and Restated Loan and Servicing Agreement described above are qualified in their entirety by the agreement attached as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference. The material terms of the Guaranty Agreement described above are qualified in their entirety by the agreement attached as Exhibit 10.2 to this Current Report on Form 8-K and incorporated herein by reference.
03
Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information contained in Item 1.01 of this Current Report on Form 8-K is incorporated by reference into this Item 2.03.
Financial Statements and Exhibits
Financial Statements and Exhibits. (d) Exhibits EXHIBIT NUMBER DESCRIPTION 10.1 Fourth Amendment to Amended and Restated Loan and Servicing Agreement, dated as of October 27, 2025, by and among FS CREIT Finance MM-1 LLC , Massachusetts Mutual Life Insurance Company , C.M. Life Insurance Company, Barings Direct Investments LLC, FS CREIT Finance Holdings LLC and the other parties identified therein. 10.2 Guaranty Agreement, dated as of October 27, 2025, by FS Credit Real Estate Income Trust, Inc. in favor of Wells Fargo Bank, National Association, as the administrative agent, for the benefit of the Secured Parties (as defined in the Fourth Amendment to Amended and Restated Loan and Servicing Agreement). 104 Cover Page Interactive Data File (embedded within the Inline XBRL document). SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. FS Credit Real Estate Income Trust, Inc. Date: October 31, 2025 By: /s/ Stephen S. Sypherd Stephen S. Sypherd Vice President, Treasurer and Secretary