REFI / Chicago Atlantic Real Estate Finance, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

CONFIDENTIAL | Chicago Atlantic Advisers, LLC REAL ESTATE FINANCE EARNINGS SUPPLEMENTAL For the quarter ended June 30, 2025 Forward Looking Statements This presentation contains forward - looking statements, within the meaning of the Private Securiti

Exhibit 99.2 CONFIDENTIAL | Chicago Atlantic Advisers, LLC REAL ESTATE FINANCE EARNINGS SUPPLEMENTAL For the quarter ended June 30, 2025 Forward Looking Statements This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange Act of 1934 , as amended (the “Exchange Act”), regarding

First Amendment to the Sixth Amended and Restated Loan and Security Agreement, dated as of August 5, 2025, among Chicago Atlantic Lincoln, LLC, Chicago Atlantic Real Estate Finance, Inc., the other Persons from time to time party thereto, as borrowers; and the financial institutions party thereto, as Lenders

Exhibit 10.7 FIRST AMENDMENT TO SIXTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT THIS FIRST AMENDMENT TO SIXTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Amendment”) is dated as of August 5, 2025 among Chicago Atlantic Lincoln, LLC, a Delaware limited liability company (“Borrower”), the financial institutions party to the Loan Agreement as Lenders, [***] BANK, an [***] state ban

Chicago Atlantic Real Estate Finance Announces Second Quarter 2025 Financial Results Extends Revolving Credit Facility Maturity to 2028

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Second Quarter 2025 Financial Results Extends Revolving Credit Facility Maturity to 2028 CHICAGO— (August 7, 2025) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the quarter ended June 30, 2025. Peter Sack,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact name

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 7, 2025 (August 5, 2025) Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdi

FORM 8-K Item 5.07 Submission of Matters to a Vote of Security Holders.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 13, 2025 Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdiction of Incorpora

Earnings Supplemental For the quarter ended March 31, 2025 Forward Looking Statements This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securiti

Exhibit 99.2 Earnings Supplemental For the quarter ended March 31, 2025 Forward Looking Statements This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange Act of 1934 , as amended (the “Exchange Act”), regarding future events and the future results of Chicago Atlantic Real Es

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact name

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 7, 2025 Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdiction of Incorporati

Chicago Atlantic Real Estate Finance Announces First Quarter 2025 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces First Quarter 2025 Financial Results CHICAGO — (May 7, 2025) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the first quarter ended March 31, 2025. Peter Sack, Co-Chief Executive Officer, noted, “We have en

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, For Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy State

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 17, 2025 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorpor

Form of At-the-Market Sales Agreement

Exhibit 1.1 Execution Version Chicago Atlantic Real Estate Finance, Inc. UP TO $100,000,000 OF COMMON STOCK (par value $0.01 per share) At-the-market SALES AGREEMENT March [●], 2025 [●] [●] [●] Ladies and Gentlemen: Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (the “Company”), and Chicago Atlantic REIT Manager, LLC, a Delaware limited liability company (the “Manager”), confir

Chicago Atlantic Real Estate Finance, Inc. Common Stock Supplement No. 1 dated March 17, 2025 Prospectus dated January 19, 2023 and Prospectus Supplement, dated June 20, 2023

Filed Pursuant to Rule 424(b)(5) File No.: 333-268920 Chicago Atlantic Real Estate Finance, Inc. $100,000,000 Common Stock Supplement No. 1 dated March 17, 2025 To Prospectus dated January 19, 2023 and Prospectus Supplement, dated June 20, 2023 This supplement amends, supplements or modifies certain information contained in the prospectus supplement, dated June 20, 2023 (the “ATM Prospectus Supple

Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2024 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2024 Financial Results CHICAGO— (March 12, 2025) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the fourth quarter and year ended December 31, 2024. Peter Sack, Co-Chief Executive Officer, no

Earnings Supplemental For the quarter and year ended December 31, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange

Exhibit 99.2 Earnings Supplemental For the quarter and year ended December 31, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange Act of 1934 , as amended (the “Exchange Act”), regarding future events and the future results of the Company that are based on current e

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTI

iSenior Real UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Ex

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 12, 2025 Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdiction of Incorpor

Statement of Policy on Insider Trading*

Exhibit 19.1 Adopted October 4, 2021 STATEMENT OF POLICY ON INSIDER TRADING CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. Introduction This document sets forth the Statement of Policy on Insider Trading of Chicago Atlantic Real Estate Finance, Inc. (the “Company”), adopted on October [4], 2021. The objective of this policy is to protect you and the Company from securities law violations, or the appea

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 30, 2024 (December 27, 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 30, 2024 (December 27, 2024) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other j

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 16, 2024 (December 11, 2024) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other j

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 07, 2024 Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdiction of Incor

Chicago Atlantic Real Estate Finance Announces Third Quarter 2024 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Third Quarter 2024 Financial Results CHICAGO— (November 7, 2024) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the third quarter ended September 30, 2024. Peter Sack, Co-Chief Executive Officer, noted, “We

Earnings Supplemental For the third quarter ended September 30, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange A

Exhibit 99.2 Earnings Supplemental For the third quarter ended September 30, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange Act of 1934 , as amended (the “Exchange Act”), regarding future events and the future results of the Company that are based on current exp

Chicago Atlantic Real Estate Finance Closes on $50 Million Unsecured Term Loan to Fund Deployment of New Investments Assigned BBB+ Investment Grade Rating from Egan-Jones

Exhibit 99.1 Chicago Atlantic Real Estate Finance Closes on $50 Million Unsecured Term Loan to Fund Deployment of New Investments Assigned BBB+ Investment Grade Rating from Egan-Jones CHICAGO— (October 23, 2024) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced that the Company entere

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 23, 2024 (October 18, 202

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 23, 2024 (October 18, 2024) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jur

Loan Agreement, dated as of October 18, 2024, among Chicago Atlantic Real Estate Finance, Inc., and the financial institutions party thereto, as Lenders.

Exhibit 10.1 CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY [***], HAS BEEN OMITTED BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL LOAN AGREEMENT Dated as of October 18, 2024 among Chicago Atlantic REAL ESTATE FINANCE, INC. as Borrower, THE VARIOUS FINANCIAL INSTITUTIONS PARTY HERETO FROM TIME TO TIME, as Lende

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 07, 2024 Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdiction of Incorpo

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact name

Earnings Supplemental For the second quarter ended June 30, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange Act o

Exhibit 99.2 Earnings Supplemental For the second quarter ended June 30, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21 E of the Securities and Exchange Act of 1934 , as amended (the “Exchange Act”), regarding future events and the future results of the Company that are based on current expecta

Chicago Atlantic Real Estate Finance Announces Second Quarter 2024 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Second Quarter 2024 Financial Results CHICAGO — (August 7, 2024) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the second quarter ended June 30, 2024. John Mazarakis, Executive Chairman of Chicago Atlantic

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 13, 2024 Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdiction of Incorpora

First Quarter 2024 Earnings Supplemental May 7, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company t

Exhibit 99.2 First Quarter 2024 Earnings Supplemental May 7, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the beliefs

Chicago Atlantic Real Estate Finance Announces First Quarter 2024 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces First Quarter 2024 Financial Results CHICAGO— (May 7, 2024) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the first quarter ended March 31, 2024. John Mazarakis, Executive Chairman of Chicago Atlantic, not

Regulation FD Disclosure, Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 07, 2024 Chicago Atlantic Real Estate Finance, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-41123 86-3125132 (State or Other Jurisdiction of Incorporat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact name

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, For Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy State

Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2023 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2023 Financial Results CHICAGO— (March 12, 2024) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the fourth quarter and year ended December 31, 2023. John Mazarakis, Executive Chairman of Chic

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 12, 2024 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorpor

Fifth Amended and Restated Loan and Security Agreement, dated as of February 28, 2024, among Chicago Atlantic Lincoln, LLC, Chicago Atlantic Real Estate Finance, Inc., the other Persons from time to time party thereto, as borrowers; and the financial institutions party thereto, as Lenders**

Exhibit 10.6 CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY [***], HAS BEEN OMITTED BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL FIFTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT Dated as of February 28, 2024 CHICAGO ATLANTIC LINCOLN, LLC THE OTHER BORROWERS FROM TIME TO TIME PARTY HERETO as Borrowers TH

Chicago Atlantic Real Estate Finance, Inc. Dodd-Frank Clawback Policy.*

Exhibit 97 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. DODD-FRANK CLAWBACK POLICY The Board of Directors of Chicago Atlantic Real Estate Finance, Inc. has adopted the following Dodd-Frank Clawback Policy effective as of October 2, 2023. It is the intention of the Board that this Dodd-Frank Clawback Policy be interpreted and administered in a manner consistent with applicable laws and regulations an

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTI

iSenior Real UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Ex

Fourth Quarter 2023 Earnings Supplemental March 12, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Compa

Exhibit 99.2 Fourth Quarter 2023 Earnings Supplemental March 12, 2024 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the bel

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 28, 2024 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incor

Chicago Atlantic Real Estate Finance Extends Maturity of its Revolving Credit Facility to June 2026 and Increases Size of the Accordion Feature to $150 Million

Exhibit 99.1 Chicago Atlantic Real Estate Finance Extends Maturity of its Revolving Credit Facility to June 2026 and Increases Size of the Accordion Feature to $150 Million CHICAGO— (February 29, 2024) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, announced that Chicago Atlantic Lincoln, LLC (“Ch

REFI / Chicago Atlantic Real Estate Finance, Inc. / BlackRock Inc. Passive Investment

SC 13G 1 us1672391026012624.txt us1672391026012624.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) Chicago Atlantic Real Estate Finance, Inc. - (Name of Issuer) Common Stock - (Title of Class of Securities) 167239102 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Chec

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41123 CHICAGO ATLANTIC RE

Chicago Atlantic Real Estate Finance Announces Third Quarter 2023 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Third Quarter 2023 Financial Results CHICAGO— (November 8, 2023) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the third quarter ended September 30, 2023. John Mazarakis, Executive Chairman of Chicago Atla

Third Quarter 2023 Earnings Supplemental November 8, 2023 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Comp

Exhibit 99.2 Third Quarter 2023 Earnings Supplemental November 8, 2023 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the be

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 8, 2023 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorp

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 9, 2023 Chicago Atlantic R

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 9, 2023 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorpor

Chicago Atlantic Real Estate Finance Announces Second Quarter 2023 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Second Quarter 2023 Financial Results CHICAGO— (August 9, 2023) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the second quarter ended June 30, 2023. John Mazarakis, Executive Chairman of Chicago Atlantic,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ES

Second Quarter 2023 Earnings Supplemental August 9, 2023 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Compa

Exhibit 99.2 Second Quarter 2023 Earnings Supplemental August 9, 2023 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the bel

Fourth Amended and Restated Loan and Security Agreement, dated as of June 30, 2023, among Chicago Atlantic Lincoln, LLC, Chicago Atlantic Real Estate Finance, Inc., the other Persons from time to time party thereto, as borrowers; and the financial institutions party thereto, as Lenders.

Exhibit 10.8 CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY [***], HAS BEEN OMITTED BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL FOURTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT Dated as of June 30, 2023 CHICAGO ATLANTIC LINCOLN, LLC THE OTHER BORROWERS FROM TIME TO TIME PARTY HERETO as Borrowers THE V

Chicago Atlantic Real Estate Finance, Inc. Common Stock

Filed Pursuant to Rule 424(b)(5) File No.: 333-268920 PROSPECTUS SUPPLEMENT (to Prospectus dated January 19, 2023) Chicago Atlantic Real Estate Finance, Inc. $75,000,000 Common Stock We have entered into separate at-the-market sales agreements (each a “Sales Agreement” and together, the “Sales Agreements”) with BTIG, LLC, Compass Point Research & Trading LLC, and Oppenheimer & Co. Inc. (each a “Sa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 15, 2023 Chicago Atlantic Re

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 15, 2023 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorpora

Form of At-the-Market Sales Agreement dated as of June 20, 2023, between the Company, the Manager and each Sales Agent

Exhibit 1.1 Chicago Atlantic Real Estate Finance, Inc. UP TO $75,000,000 OF COMMON STOCK (par value $0.01 per share) At-the-market SALES AGREEMENT June 20, 2023 [●] [●] [●] Ladies and Gentlemen: Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (the “Company”), and Chicago Atlantic REIT Manager, LLC, a Delaware limited liability company (the “Manager”), confirm their respective ag

Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41123 CHICAGO ATLANTIC REAL E

First Quarter 2023 Earnings Supplemental May 9, 2023

Exhibit 99.2 First Quarter 2023 Earnings Supplemental May 9, 2023 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the beliefs

Chicago Atlantic Real Estate Finance Announces First Quarter 2023 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces First Quarter 2023 Financial Results CHICAGO— (May 9, 2023) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial real estate finance company, today announced its results for the first quarter ended March 31, 2023. John Mazarakis, Executive Chairman of Chicago Atlantic, noted, “The b

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 9, 2023 Chicago Atlantic Real

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 9, 2023 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorporati

Schedule 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, For Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy State

Form 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact name of R

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 9, 2023 Chicago Atlantic Re

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 9, 2023 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorpora

Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2022 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2022 Financial Results CHICAGO—(March 9, 2023) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial real estate finance company, today announced its results for the fourth quarter and year ended December 31, 2022. John Mazarakis, Executive Chairman of Chicago Atlantic

First Amendment to the Third Amended and Restated Loan and Security Agreement, dated as of February 27, 2023, among Chicago Atlantic Lincoln, LLC, Chicago Atlantic Real Estate Finance, Inc., the other Persons from time to time party thereto, as borrowers; and the financial institutions party thereto, as Lenders.*

Exhibit 10.7 CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY [***], HAS BEEN OMITTED BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL FIRST AMENDMENT TO THIRD AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT THIS FIRST AMENDMENT TO THIRD AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Amendment”) is dated

Fourth Quarter 2022 Earnings Supplemental March 9, 2023 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Compan

Exhibit 99.2 Fourth Quarter 2022 Earnings Supplemental March 9, 2023 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the beli

Form 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 27, 2023 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incor

Chicago Atlantic Real Estate Finance Amends its Revolving Credit Facility to Extend Maturity to December 2024

Exhibit 99.1 Chicago Atlantic Real Estate Finance Amends its Revolving Credit Facility to Extend Maturity to December 2024 CHICAGO—(February 28, 2023) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial real estate finance company, today announced that Chicago Atlantic Lincoln, LLC (“Chicago Atlantic Lincoln”), its wholly-owned financing su

Chicago Atlantic Real Estate Finance, Inc. 395,779 Shares of Common Stock

Filed Pursuant to Rule 424(b)(2) File No.: 333-268920 PROSPECTUS SUPPLEMENT (to Prospectus dated January 19, 2023) Chicago Atlantic Real Estate Finance, Inc. 395,779 Shares of Common Stock We are a commercial real estate finance company. Our primary investment objective is to provide attractive, risk-adjusted returns for stockholders over time primarily through consistent current income dividends

As filed with the Securities and Exchange Commission on January 17, 2023

S-3/A 1 ea171777-s3a1chicago.htm AMENDMENT NO. 1 TO FORM S-3 As filed with the Securities and Exchange Commission on January 17, 2023 Registration No. 333-268920 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 AMENDMENT NO. 1 TO FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified

CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. 420 North Wabash Avenue., Suite 500 Chicago, IL 60611

CORRESP 1 filename1.htm CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. 420 North Wabash Avenue., Suite 500 Chicago, IL 60611 January 17, 2023 Via EDGAR Transmission U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Chicago Atlantic Real Estate Finance, Inc. Registration Statement on Form S-3 (Registration No. 333-268920) Ladies and Ge

Calculation of Filing Fee Tables

EX-FILING FEES 3 ea169964ex-feechicago.htm FILING FEE TABLE Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Pric

As filed with the Securities and Exchange Commission on December 20, 2022

As filed with the Securities and Exchange Commission on December 20, 2022 Registration No.

Chicago Atlantic Real Estate Finance Announces Third Quarter 2022 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Third Quarter 2022 Financial Results CHICAGO?(November 9, 2022) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (?Chicago Atlantic? or the ?Company?), a commercial real estate finance company, today announced its results for the third quarter ended September 30, 2022. John Mazarakis, Executive Chairman of Chicago Atlantic, noted

Third Amended and Restated Loan and Security Agreement, dated as of November 7, 2022, among Chicago Atlantic Lincoln, LLC, Chicago Atlantic Real Estate Finance, Inc., the other Persons from time to time party thereto, as borrowers; and the financial institutions party thereto, as Lenders (Incorporated by reference to Registrant’s Current Report on Form 8-K (File No. 001-41123) filed on November 9, 2022).

Exhibit 10.1 CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY [***], HAS BEEN OMITTED BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL THIRD AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT Dated as of November 7, 2022 Chicago Atlantic Lincoln, LLC THE OTHER BORROWERS FROM TIME TO TIME PARTY HERETO as Borrowers THE

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 7, 2022 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorp

Third Quarter 2022 Earnings Supplemental November 9, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Comp

Exhibit 99.2 Third Quarter 2022 Earnings Supplemental November 9, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the be

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41123 CHICAGO ATLANTIC RE

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): September 16, 2022 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of inco

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ES

Second Quarter 2022 Earnings Supplemental August 9, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Compa

Exhibit 99.2 Second Quarter 2022 Earnings Supplemental August 9, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the bel

Chicago Atlantic Real Estate Finance Announces Second Quarter 2022 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Second Quarter 2022 Financial Results CHICAGO?(August 9, 2022) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (?Chicago Atlantic? or the ?Company?), a commercial real estate finance company, today announced its results for the second quarter ended June 30, 2022. John Mazarakis, Executive Chairman of Chicago Atlantic, noted, ?Th

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 9, 2022 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorpor

As filed with the Securities and Exchange Commission on July 12, 2022

As filed with the Securities and Exchange Commission on July 12, 2022 Registration No.

Filing Fees Table*

Exhibit 107.1 Calculation of Filing Fee Tables FORM S-8 (Form Type) CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit(2) Maximum Aggregate Offering Price(2) Fee Rate Amount of Registration Fee Equi

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 3, 2022 (June 2, 2022) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdictio

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 12, 2022 (May 12, 2022) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdictio

Second Amended and Restated Loan and Security Agreement, dated as of May 12, 2022, among Chicago Atlantic Lincoln, LLC, Chicago Atlantic Real Estate Finance, Inc., the other Persons from time to time party thereto, as borrowers; and the financial institutions party thereto, as Lenders.

EXHIBIT 10.1 CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY [***], HAS BEEN OMITTED BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL SECOND AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT Dated as of May 12, 2022 Chicago Atlantic Lincoln, LLC THE OTHER BORROWERS FROM TIME TO TIME PARTY HERETO as Borrowers THE VA

Chicago Atlantic Real Estate Finance Upsizes its Revolving Credit Facility to $65 Million

EXHIBIT 99.1 Chicago Atlantic Real Estate Finance Upsizes its Revolving Credit Facility to $65 Million CHICAGO?(May 12, 2022) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (?Chicago Atlantic? or the ?Company?), a commercial real estate finance company, today announced that Chicago Atlantic Lincoln, LLC (?Chicago Atlantic Lincoln?), its wholly-owned financing subsidiary, entered into an

Chicago Atlantic Real Estate Finance Announces First Quarter 2022 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces First Quarter 2022 Financial Results CHICAGO?(May 12, 2022) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (?Chicago Atlantic? or the ?Company?), a commercial real estate finance company, today announced its results for the first quarter ended March 31, 2022. John Mazarakis, Executive Chairman of Chicago Atlantic, noted, ?The c

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 12, 2022 (May 12, 2022) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdictio

First Quarter 2022 Earnings Supplemental May 12, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company

Exhibit 99.2 First Quarter 2022 Earnings Supplemental May 12, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the belief

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41123 CHICAGO ATLANTIC REAL E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, For Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy State

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 20, 2022 (February 3, 2022) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (

Description of Registrant’s securities (Incorporated by reference to the Registrant’s Annual Report on Form 10-K, filed on April 14, 2022).

Exhibit 4.2 DESCRIPTION OF THE REGISTRANT?S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 The following is a summary of the general terms of the common stock of Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (?we,? ?our,? ?us? and ?the Company?). This description does not purport to be complete and is subject to, and qualified in its entire

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41123 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact name of R

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING SEC FILE NUMBER 001-41123 CUSIP NUMBER 167239 102 (Check one): ? Form 10-K ? Form 20-F ? Form 11-K ? Form 10-Q ? Form 10-D ? Form N-SAR ? Form N-CSR For Period Ended: December 31, 2021 ? Transition Report on Form 10-K ? Transition Report on Form 20-F ? Transition Report on Form 11-K ? Tr

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 31, 2022 (January 13, 2022) Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (

CONSOLIDATED FINANCIAL STATEMENTS [***] AND AFFILIATES dba [***] December 31, 2020 - - - o o 0 o o - - - C O N T E N T S P A G E - - - o o 0 o o - - - July 16, 2021

Exhibit 99.1 CONSOLIDATED FINANCIAL STATEMENTS [***] AND AFFILIATES dba [***] December 31, 2020 - - - o o 0 o o - - - C O N T E N T S P A G E - - - o o 0 o o - - - July 16, 2021 To the Partners [***] and Affiliates dba [***] [***], Michigan Independent Auditor?s Report We have audited the accompanying consolidated financial statements of [***] and affiliates dba [***], (collectively the Company),

2

Exhibit 99.2 [***] AND AFFILIATES dba [***] Financial Statement INCOME STATEMENT Month Ending Year Ending Dec. 31, 2021 Dec. 31, 2021 Revenue 3,179,168 100 % $ 39,084,847 100 % COGS $ 2,550,743 80 % $ 18,570,740 48 % Gross Margin $ 628,425 20 % $ 20,514,107 52 % SGA - - Operating Expenses $ 3,040,355 96 % $ 20,029,491 51 % Operating Income $ (2,411,930 ) -76 % $ 484,616 1 % Other Income (Expense)

Fourth Quarter 2021 Earnings Supplemental March 22, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Compa

Exhibit 99.2 Fourth Quarter 2021 Earnings Supplemental March 22, 2022 This presentation contains forward - looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995 , regarding future events and the future results of the Company that are based on current expectations, estimates, forecasts, projections about the industry in which the Company operates and the bel

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 22, 2022 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorpor

Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2021 Financial Results

Exhibit 99.1 Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2021 Financial Results CHICAGO?(March 22, 2022) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (?Chicago Atlantic? or the ?Company?), a commercial real estate finance company, today announced its results for the fourth quarter and period ended December 31, 2021. Anthony Cappell, Chief Executive Officer of Chicago

VERANO HOLDINGS, LLC AND SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2020 AND 2019 (Expressed in United States Dollars) Management’s Responsibility for Financial Reporting

Exhibit 99.1 VERANO HOLDINGS, LLC AND SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2020 AND 2019 (Expressed in United States Dollars) Management?s Responsibility for Financial Reporting To the Members of Verano Holdings, LLC and Subsidiaries: Management of Verano Holdings, LLC and its Subsidiaries (combined the ?Company?) is responsible for the preparation and pr

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 15, 2021 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other j

VERANO HOLDINGS CORP. UNAUDITED CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS FOR THE QUARTER ENDED September 30, 2021 (Expressed in United States Dollars)

Exhibit 99.2 VERANO HOLDINGS CORP. UNAUDITED CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS FOR THE QUARTER ENDED September 30, 2021 (Expressed in United States Dollars) Page(s) CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS: Condensed Interim Consolidated Statements of Financial Position (Unaudited) 1 Condensed Interim Consolidated Statements of Operations (Unaudited) 2 Condensed Interi

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 3, 2022 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorp

FARMACEUTICALRX Closes $34.0 Million In Debt Financing From Chicago Atlantic to Expand its Medical Marijuana Operations in Ohio

Exhibit 99.1 FARMACEUTICALRX Closes $34.0 Million In Debt Financing From Chicago Atlantic to Expand its Medical Marijuana Operations in Ohio CHICAGO and PITTSBURGH, PA. (February 7, 2022) FARMACEUTICALRX, one of the largest producers of premium organic medical marijuana products in the US market, (?FARMACEUTICALRX? or the ?Company?), today announced that it has closed a $34 million senior secured

Chicago Atlantic Real Estate Finance Funds Senior Secured Credit Facility to Sanctuary Medicinals

Exhibit 99.1 Chicago Atlantic Real Estate Finance Funds Senior Secured Credit Facility to Sanctuary Medicinals CHICAGO?(January 27, 2022) Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) ("Chicago Atlantic" or the ?Company?), a commercial real estate finance company, announced today it funded $10 million as the initial advance of a new $25 million senior secured credit facility to Sanctua

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 27, 2022 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorp

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 13, 2022 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incorp

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 15, 2021 Chicago Atlantic Real Estate Finance, Inc. (Exact name of registrant as specified in its charter) Maryland 001-41123 86-3125132 (State or other jurisdiction of incor

Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) Announces Upsize of Revolving Credit Facility with two FDIC-Insured Banks to $45 Million

Exhibit 99.1 Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) Announces Upsize of Revolving Credit Facility with two FDIC-Insured Banks to $45 Million Chicago, IL (December 21, 2021) ? Chicago Atlantic Real Estate Finance, Inc. (?REFI? or ?the Company?), a leading institutional lender to state-licensed cannabis operators, today announced that Chicago Atlantic Lincoln, LLC (?Chicago Atlant

Amended and Restated Loan and Security Agreement, dated as of December 16, 2021, among Chicago Atlantic Lincoln, LLC, Chicago Atlantic Real Estate Finance, Inc., the other Persons from time to time party thereto, as borrowers; and the financial institutions party thereto, as Lenders.

EXHIBIT 10.1 CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY [***], HAS BEEN OMITTED BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT Dated as of December 16, 2021 Chicago Atlantic Lincoln, LLC THE OTHER BORROWERS FROM TIME TO TIME PARTY HERETO as Borrowers THE VARI

REFI / Chicago Atlantic Real Estate Finance Inc / Thurston Ray - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Chicago Atlantic Real Estate Finance, Inc. (Name of Issuer) Ordinary Shares, $0.01 par value per share (Title of Class of Securities) 167239102 (CUSIP Number) December 8, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate b

As filed with the Securities and Exchange Commission on December 10, 2021

As filed with the Securities and Exchange Commission on December 10, 2021 Registration No.

6,250,000 Shares Chicago Atlantic Real Estate Finance, Inc. Common Stock

PROSPECTUS Filed Pursuant to Rule 424(b)(4) Registration No. 333-260505 6,250,000 Shares Chicago Atlantic Real Estate Finance, Inc. Common Stock Chicago Atlantic Real Estate Finance, Inc. (the ?Company,? ?we,? ?us,? or ?our?), is a newly formed commercial real estate finance company. Our primary investment objective is to provide attractive risk-adjusted returns for stockholders over time primaril

As filed with the Securities and Exchange Commission on December 6, 2021

S-11/A 1 ea151673-s11a4chicago.htm AMENDMENT NO. 4 TO FORM S-11 As filed with the Securities and Exchange Commission on December 6, 2021 Registration No. 333-260505 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 AMENDMENT NO. 4 TO FORM S-11 FOR REGISTRATION UNDER THE SECURITIES ACT OF 1933 OF SECURITIES OF CERTAIN REAL ESTATE COMPANIES Chicago Atlantic Real Estate Finance,

Form of Registration Rights Agreement, by and among Chicago Atlantic Real Estate Finance, Inc. and the holders thereto (Incorporated by reference to Amendment No. 4 to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on December 6, 2021).

Exhibit 10.3 FORM OF REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (this ?Agreement?) is made as of [ ], 2021, by and among Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation, which intends to elect to be treated as a real estate investment trust (the ?Company?), and each Holder (as defined herein) who is listed on Schedule A hereto or becomes a party to this Agr

CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. 420 North Wabash Avenue., Suite 500 Chicago, IL 60611

CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. 420 North Wabash Avenue., Suite 500 Chicago, IL 60611 December 3, 2021 Via EDGAR Transmission U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Chicago Atlantic Real Estate Finance, Inc. Registration Statement on Form S-11 (Registration No. 333-260505) Ladies and Gentlemen: In accordance

Form 8-A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. (Exact name of registrant as specified in its charter) Maryland 86-3125132 (State of incorporation or organization) (I.R.S. Employer Identification No.) 4

[SIGNATURE PAGES FOLLOW]

December 3, 2021 Via EDGAR Transmission U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Chicago Atlantic Real Estate Finance, Inc. Registration Statement on Form S-11 (Registration No. 333-260505) Ladies and Gentlemen: In connection with the above-referenced Registration Statement, as amended, and pursuant to Rule 461 under the

Form S-11

As filed with the Securities and Exchange Commission on November 30, 2021 Registration No.

As filed with the Securities and Exchange Commission on November 29, 2021

As filed with the Securities and Exchange Commission on November 29, 2021 Registration No.

November 22, 2021

Eversheds Sutherland (US) LLP 700 Sixth Street, NW, Suite 700 Washington, DC 20001-3980 D: +1 202.

November 9, 2021

Eversheds Sutherland (US) LLP 700 Sixth Street, NW, Suite 700 Washington, DC 20001-3980 D: +1 202.

Form of Underwriting Agreement.(2)

Exhibit 1.1 [?] Shares Chicago Atlantic Real Estate Finance, Inc. Common Stock UNDERWRITING AGREEMENT [?], 2021 JMP Securities LLC As Representative of the several Underwriters named in Schedule I attached hereto, 600 Montgomery Street, Suite 1100 San Francisco, CA 94111 Ladies and Gentlemen: Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (the ?Registrant?), which includes Chic

Chicago Atlantic Real Estate Finance, Inc. 2021 Omnibus Incentive Plan (Incorporated by reference to Amendment No. 1 to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on November 12, 2021).

Exhibit 10.4 FORM OF CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. 2021 OMNIBUS INCENTIVE PLAN 1. Purpose. The purpose of this Chicago Atlantic Real Estate Finance, Inc. 2021 Omnibus Incentive Plan is to provide a means through which the Company and other members of the Company Group may attract and retain key personnel and to provide a means whereby directors, officers, employees, consultants and ad

As filed with the Securities and Exchange Commission on November 12, 2021

As filed with the Securities and Exchange Commission on November 12, 2021 Registration No.

November 12, 2021

Eversheds Sutherland (US) LLP 700 Sixth Street, NW, Suite 700 Washington, DC 20001-3980 D: +1 202.

Form of Indemnification Agreement between the Registrant and each of its directors and officers (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 10.2 FORM OF DIRECTOR AND/OR OFFICER INDEMNIFICATION AGREEMENT THIS INDEMNIFICATION AGREEMENT (this ?Agreement?) is made and entered into as of , 2021, by and between Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (the ?Company?), and (?Indemnitee?). WHEREAS, at the request of the Company, Indemnitee is serving as a director and/or officer of the Company and may, theref

Management Agreement, dated May 1, 2021, by and between Chicago Atlantic Real Estate Finance, Inc. and Chicago Atlantic REIT Manager, LLC (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 10.1 MANAGEMENT AGREEMENT BETWEEN CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. AND CHICAGO ATLANTIC REIT MANAGER, LLC This Management Agreement (this ?Agreement?) is made as of May 1, 2021, by and between Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (the ?Company?), and Chicago Atlantic REIT Manager, LLC, a Delaware limited liability company (the ?Manager?). WHEREAS, th

October 26, 2021

Eversheds Sutherland (US) LLP 700 Sixth Street, NW, Suite 700 Washington, DC 20001-3980 D: +1 202.

Articles of Amendment of Chicago Atlantic Real Estate Finance, Inc. (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 3.2 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. ARTICLES OF AMENDMENT CHICAGO ATLANTIC REAL ESTATE FINANCE, INC., a Maryland corporation (the ?Corporation?), hereby certifies to the State Department of Assessments and Taxation of Maryland that: FIRST: The charter (the ?Charter?) of the Corporation shall be and hereby is amended, immediately upon the Effective Date (as defined below), by the

Chicago Atlantic Real Estate Finance, Inc. has Requested Confidential Treatment for the Redacted Portions of this Document Under Rule 83 of the SEC’s Rules of Practice and has Delivered a Complete Unredacted Copy of this Document to its Examiner at t

CORRESP 1 filename1.htm Chicago Atlantic Real Estate Finance, Inc. has Requested Confidential Treatment for the Redacted Portions of this Document Under Rule 83 of the SEC’s Rules of Practice and has Delivered a Complete Unredacted Copy of this Document to its Examiner at the Division of Corporation Finance Coding Loan # from DRS Commitment1 Funded1 Status TS Date Closing Date Loan #1 Closed Loan

As filed with the Securities and Exchange Commission on October 26, 2021

As filed with the Securities and Exchange Commission on October 26, 2021 Registration No.

Form of Common Stock Certificate of the Registrant (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 4.1 Issue To: No. Original Cert.: No. Original Shares: Certificate No.: 1 Rec?d. Cert.: 1 For: Shares From Whom No. Shs. Transferred: For: Shares Dated: April 1, 2021 Transferred: Original Issue Re-Issued Cert. No.: Dated: April 1, 2021 Incorporated Under the Laws of The State of Maryland - - THESE SHARES ARE SUBJECT TO RESTRICTIONS. SEE REVERSE. CHICAGO ATLANTIC REAL ESTATE FINANCE, INC.

Articles of Incorporation of Chicago Atlantic Real Estate Finance, Inc. (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 3.1 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. ARTICLES OF INCORPORATION THIS IS TO CERTIFY THAT: FIRST: The undersigned, JAMES B ARONOFF, whose address is 3900 Key Center, Cleveland, Ohio 44114, being at least 18 years of age, does hereby form a corporation under the general laws of the State of Maryland. SECOND: The name of the corporation (which is hereinafter called the ?Corporation?)

List of Subsidiaries of the Registrant.(1)

Exhibit 21.1 Chicago Atlantic Real Estate Finance, Inc. List of Subsidiaries Subsidiary?s Legal Name Jurisdiction of Incorporation/Formation Chicago Atlantic Lincoln, LLC Delaware

Amended and Restated Bylaws of Chicago Atlantic Real Estate Finance, Inc. (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 3.4 Adopted October 4, 2021 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. AMENDED AND RESTATED BYLAWS ARTICLE I OFFICES Section 1. PRINCIPAL OFFICE. The principal office of Chicago Atlantic Real Estate Finance, Inc. (the ?Corporation?) in the State of Maryland shall be located at such place as the Board of Directors of the Corporation (the ?Board of Directors?) may designate from time to time

Amendment to the Management Agreement (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 10.5 AMENDMENT TO MANAGEMENT AGREEMENT BETWEEN CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. AND CHICAGO ATLANTIC REIT MANAGER, LLC This Amendment to Management Agreement (this ?Amendment?) is made as of October 26, 2021, by and between Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (the ?Company), and Chicago Atlantic REIT Manager, LLC, a Delaware limited liability compan

Form of Articles of Amendment and Restatement of Chicago Atlantic Real Estate Finance, Inc. (Incorporated by reference to the Registrant’s Registration Statement on Form S-11 (File No. 333-260505), filed on October 26, 2021).

Exhibit 3.3 CHICAGO ATLANTIC REAL ESTATE FINANCE, INC. ARTICLES OF AMENDMENT AND RESTATEMENT FIRST: Chicago Atlantic Real Estate Finance, Inc., a Maryland corporation (the ?Corporation?), desires to amend and restate its Charter as currently in effect and as hereinafter amended. SECOND: The following provisions are all the provisions of the Charter currently in effect and as hereinafter amended: A

October 8, 2021

DRSLTR 1 filename1.htm Eversheds Sutherland (US) LLP 700 Sixth Street, NW, Suite 700 Washington, DC 20001-3980 D: +1 202.383.0262 F: +1 202.637.3593 owenpinkerton@ eversheds-sutherland.com October 8, 2021 VIA EDGAR Stacie Gorman, Esq. Division of Corporation Finance Office of Real Estate & Construction U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Chicago At

As confidentially submitted to the Securities and Exchange Commission on October 8, 2021 This draft registration statement has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidentia

As confidentially submitted to the Securities and Exchange Commission on October 8, 2021 This draft registration statement has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidential Registration No.

Consent to be Named as a Director Nominee

EX-99.5 6 filename6.htm Exhibit 99.5 Consent to be Named as a Director Nominee In connection with the filing by Chicago Atlantic Real Estate Finance, Inc. of the Registration Statement on Form S-11 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the “Securities Act”), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee

Consent to be Named as a Director Nominee

Exhibit 99.4 Consent to be Named as a Director Nominee In connection with the filing by Chicago Atlantic Real Estate Finance, Inc. of the Registration Statement on Form S-11 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the ?Securities Act?), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee to the board of directo

Consent to be Named as a Director Nominee

Exhibit 99.3 Consent to be Named as a Director Nominee In connection with the filing by Chicago Atlantic Real Estate Finance, Inc. of the Registration Statement on Form S-11 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the ?Securities Act?), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee to the board of directo

Consent to be Named as a Director Nominee

Exhibit 99.2 Consent to be Named as a Director Nominee In connection with the filing by Chicago Atlantic Real Estate Finance, Inc. of the Registration Statement on Form S-11 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the ?Securities Act?), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee to the board of directo

Consent to be Named as a Director Nominee

Exhibit 99.1 Consent to be Named as a Director Nominee In connection with the filing by Chicago Atlantic Real Estate Finance, Inc. of the Registration Statement on Form S-11 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the ?Securities Act?), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee to the board of directo

As confidentially submitted to the Securities and Exchange Commission on September 15, 2021 This draft registration statement has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confiden

DRS/A 1 filename1.htm As confidentially submitted to the Securities and Exchange Commission on September 15, 2021 This draft registration statement has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidential Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-11 FOR REGISTRATION UN

[Letterhead of Eversheds Sutherland (US) LLP] September 15, 2021

DRSLTR 1 filename1.htm [Letterhead of Eversheds Sutherland (US) LLP] September 15, 2021 VIA EDGAR Stacie Gorman, Esq. Division of Corporation Finance Office of Real Estate & Construction U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Chicago Atlantic Real Estate Finance, Inc. Confidential Submission of Draft Registration Statement on Form S-11 (CIK No. 000186

As confidentially submitted to the Securities and Exchange Commission on August 9, 2021 This draft registration statement has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidential

DRS 1 filename1.htm As confidentially submitted to the Securities and Exchange Commission on August 9, 2021 This draft registration statement has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidential Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-11 FOR REGISTRATION UNDER TH