FS Credit Real Estate Income Trust, Inc. 8-K

What Happened
FS Credit Real Estate Income Trust, Inc. (FSCREIT) filed an 8‑K (Jan 5, 2026) reporting that its indirect, wholly‑owned financing subsidiary, FS CREIT Finance NTX‑1 LLC (NTX‑1), entered into a Third Amendment to the Master Repurchase and Securities Contract Agreement with Natixis, New York Branch on December 29, 2025. The amendment increases the maximum facility amount, extends the reinvestment period and extends the facility termination date. FSCREIT also reaffirmed its guarantee of the facility.

Key Details

• Amendment date: December 29, 2025; 8‑K filed January 5, 2026.
• Facility size: maximum increased to $200,000,000 with an option to increase up to $400,000,000.
• Term extensions: reinvestment period extended to December 29, 2027; facility termination date extended to December 29, 2029.
• Guarantee: FSCREIT reaffirmed its guarantee of the NTX‑1 Facility. The amendment is included as Exhibit 2.1 to the filing.
• The filing also reports the creation of a direct financial obligation related to this amended facility (Item 2.03).

Why It Matters
This amendment increases NTX‑1’s available financing capacity and extends the period during which assets can be acquired or financed under the facility, which can affect FSCREIT’s liquidity and financing flexibility. Because FSCREIT reaffirmed its guarantee, the facility represents a contingent or direct obligation tied to the parent company’s credit exposure; investors should note the larger committed facility and extended term when assessing the company’s funding profile and risk.