Ares Commercial Real Estate Corp 8-K Filing

Key Financial Figures

• $0.01 — ange on which registered Common Stock, $0.01 par value per share ACRE New York Stock
• $450.0 million — commitment amount of the facility from $450.0 million to $600.0 million with a payment of an
• $600.0 million — of the facility from $450.0 million to $600.0 million with a payment of an upsize fee. Item

Filing Documents

• acre-20251218.htm (8-K) — 28KB
• acre-20251218_g1.jpg (GRAPHIC) — 195KB
• 0001628280-25-058325.txt ( ) — 649KB
• acre-20251218.xsd (EX-101.SCH) — 2KB
• acre-20251218_lab.xml (EX-101.LAB) — 23KB
• acre-20251218_pre.xml (EX-101.PRE) — 13KB
• acre-20251218_htm.xml (XML) — 3KB

01 Entry into a Material Definitive Agreement

Item 1.01 Entry into a Material Definitive Agreement. On December 18, 2025, ACRC Lender W LLC, ACRC Lender W TRS LLC, ACRC Warehouse Holdings LLC and ACRC 2017-FL3 Holder REIT LLC, each a subsidiary of Ares Commercial Real Estate Corporation (the "Company"), and the Company entered into an amendment to the Third Amended and Restated Master Repurchase and Securities Contract with Wells Fargo Bank, National Association. The purpose of the amendment was to, among other things, increase the commitment amount of the facility from $450.0 million to $600.0 million with a payment of an upsize fee. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information required by Item 2.03 contained in Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference. 2 SIGNATURE 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. ARES COMMERCIAL REAL ESTATE CORPORATION Date: December 19, 2025 /s/ Jeffrey M. Gonzales Name: Jeffrey M. Gonzales Title: Chief Financial Officer and Treasurer 3