Welcome to our dedicated page for Chicago Atlantic Real Estate Finance SEC filings (Ticker: REFI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Chicago Atlantic Real Estate Finance, Inc. (REFI) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. Chicago Atlantic Real Estate Finance is a Maryland-incorporated commercial mortgage REIT listed on the Nasdaq Global Market, and it files periodic and current reports that describe its financial condition, loan portfolio and material corporate events.
Among the most important documents for REFI are its annual reports on Form 10-K and quarterly reports on Form 10-Q, which include audited or reviewed financial statements, discussions of net interest income, expenses, current expected credit loss reserves, and details on loans held for investment and related party loans. These filings also describe the company’s focus on originating senior secured loans primarily to state-licensed cannabis operators in limited-license states, its use of a secured revolving credit facility at Chicago Atlantic Lincoln, LLC, and its notes payable due 2028.
Current reports on Form 8-K for Chicago Atlantic Real Estate Finance disclose material events such as amendments to the Sixth Amended and Restated Loan and Security Agreement that extended the contractual maturity of the Revolving Loan, earnings releases furnished under Item 2.02, earnings supplemental presentations furnished under Item 7.01, and shareholder meeting results under Item 5.07. These filings also confirm REFI’s status as an emerging growth company and its registration of common stock on the Nasdaq Global Market.
On Stock Titan, REFI filings are updated as they are made available on EDGAR, and AI-powered summaries help explain key points in lengthy documents, including how non-GAAP measures like Distributable Earnings are defined and reconciled. Users can review Forms 10-K, 10-Q, 8-K and other submissions, as well as exhibits related to the company’s revolving credit facility and other material agreements, to better understand Chicago Atlantic Real Estate Finance’s regulatory and financial reporting history.
Chicago Atlantic Real Estate Finance, Inc. is asking stockholders to vote at its 2026 Annual Meeting on June 11, 2026 in Chicago. Investors will elect five directors for one-year terms and ratify BDO USA, P.C. as independent auditor for the year ending December 31, 2026.
The board will reduce in size from seven to five directors, with independent directors serving on the audit, compensation, and nominating committees. As of April 2, 2026, there were 21,207,228 common shares outstanding, so a majority of these shares must be represented to reach a quorum.
The company is externally managed. In 2025 it incurred $4.49 million in base management fees, $3.72 million in incentive fees, and $4.93 million of reimbursed general and administrative expenses to its manager. BDO billed $638,710 in audit fees and $50,265 in audit-related and tax services in 2025.
Konigsberg Brandon reported acquisition or exercise transactions in this Form 4 filing.
Chicago Atlantic Real Estate Finance director Brandon Konigsberg received a stock award, increasing his direct holdings. On April 20, 2026, he was granted 6,324 restricted shares of common stock under the company’s 2021 Omnibus Incentive Plan at no cash cost. These restricted shares will vest over a one-year period according to the award terms. Following this grant, he directly owns 33,870 shares of the company’s common stock.
Kite David reported acquisition or exercise transactions in this Form 4 filing.
Chicago Atlantic Real Estate Finance, Inc. reported that President and COO David Kite received a grant of 37,099 restricted shares of common stock on April 20, 2026 under the company’s 2021 Omnibus Incentive Plan. These restricted shares vest in three equal installments after 12, 24 and 36 months, tying value to ongoing service. Following this award, Kite directly holds 96,615 common shares. The grant is compensation-related rather than an open-market purchase.
Silverman Phillip reported acquisition or exercise transactions in this Form 4 filing.
Chicago Atlantic Real Estate Finance, Inc. Chief Financial Officer Phillip Silverman received a grant of 32,462 restricted shares of common stock on April 20, 2026 under the company’s 2021 Omnibus Incentive Plan. These restricted shares vest in three equal installments over three years, and following the award he directly holds 71,516 common shares.
Stavola Elizabeth Mary reported acquisition or exercise transactions in this Form 4 filing.
Chicago Atlantic Real Estate Finance, Inc. director Elizabeth Mary Stavola received an equity award of 6,324 shares of common stock on April 20, 2026. The filing shows these are restricted shares granted at no cash cost as part of her compensation package.
According to the award terms, the 6,324 restricted shares will vest over a one-year period, meaning she earns full ownership gradually during that time. After this grant, she holds 6,324 common shares directly, indicating this is a relatively small, routine compensation-related equity award rather than an open-market stock purchase or sale.
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.
Chicago Atlantic Real Estate Finance, Inc. director and Co-Chief Executive Officer Anthony Cappell received a grant of 37,099 restricted shares of common stock as equity compensation. The award was made under the company’s 2021 Omnibus Incentive Plan and carries no cash exercise price.
The 37,099 restricted shares will vest in three equal installments over three years, with one-third vesting after 12, 24, and 36 months, respectively. Following this grant, Cappell directly holds a total of 421,706 shares of common stock, reflecting both existing holdings and the new award.
Papastavrou Jason D reported acquisition or exercise transactions in this Form 4 filing.
Chicago Atlantic Real Estate Finance, Inc. director Jason D. Papastavrou received a grant of 6,324 restricted shares of common stock on April 20, 2026 under the company’s 2021 Omnibus Incentive Plan. These restricted shares will vest over a one-year period.
Following this award, he directly holds 55,870 common shares. The filing also lists 3,000 shares held by him as custodian for Michael Athans and 5,000 shares held by him as trustee for the Michael Athans Trust, for which he disclaims beneficial ownership except for any pecuniary interest.
Sack Peter reported acquisition or exercise transactions in this Form 4 filing.
Chicago Atlantic Real Estate Finance, Inc. director and Co-Chief Executive Officer Peter Sack received an equity award of 37,099 restricted shares of common stock on April 20, 2026 under the company’s 2021 Omnibus Incentive Plan. These restricted shares vest in three equal installments after 12, 24 and 36 months, tying compensation to continued service and future performance. Following this grant, Sack holds a total of 118,356 shares of common stock directly.