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 2 13, 2026

Goldman Sachs Real Estate Finance Trust Inc

(Exact name of registrant as specified in its charter)

Maryland		000-56667		99-2025085
(State or other jurisdiction of incorporation or organization)		(Commission File Number)		(I.R.S. ~~EmployerIdentification~~Employer Identification Number)

200 West Street, New York, New York

10282

(Address of principal executive offices and zip code)

Registrant’s telephone number, including area code: (212) 902-1000

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class ~~TradingSymbol~~Trading Symbol(s) Name of each ~~exchangeon~~exchange on which registered None None None

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒

Item 32.0203. ~~Unregistered~~Creation ~~Sales~~of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of ~~Equity~~a ~~Securities~~Registrant.

On March 213, 2026, REFT Spruce Street LLC (“Seller”), an indirect, wholly-owned subsidiary of Goldman Sachs Real Estate Finance Trust Inc (the “Company”), ~~sold~~entered ~~unregistered~~into ~~shares~~an ofUncommitted ~~its~~Master ~~common~~Repurchase ~~stock~~Agreement (together with the related transaction documents, the “~~Shares~~Repurchase Agreement”), ~~pursuant~~with toBanco ~~its~~Santander, ~~ongoing~~S.A., ~~private~~New ~~offering~~York ~~(the~~Branch (“~~Offering~~Santander”)., ~~The~~as ~~offer~~a ~~and~~buyer ~~sale~~(in ofsuch ~~the~~capacity, ~~Shares~~“Buyer”), ~~was~~to ~~exempt~~finance ~~from~~ the ~~registration~~acquisition ~~requirements~~and oforigination ~~the~~by ~~Securities~~Seller ~~Act~~ of ~~1933,~~mortgage asloans ~~amended~~ (~~the~~including ~~“Securities~~mortgage ~~Act”),~~loans ~~pursuant~~combined towith ~~Section 4(a~~mezzanine loans)~~(2)~~ ~~thereof~~ and ~~Regulation~~senior Dparticipation ~~thereunder~~interests satisfying certain conditions set forth in the Repurchase Agreement. The ~~following~~Repurchase ~~table~~Agreement ~~details~~provides for asset purchases by the ~~Shares~~Buyers ~~sold:~~of up to $500 million (the “Facility”).

Title of Securities*	Number of Shares Sold		Aggregate Consideration
Class I Common Stock		333,060.329	$	8,336,500
Class S Common Stock		138,788.970	$	3,508,515	(1)
Class NV-2 Common Stock		1,398,322.014	$	35,000,000
Class F-II Common Stock		998,402.556	$	25,000,000

Advances under the Repurchase Agreement accrue interest at a per annum rate equal to the Term Secured Overnight Financing Rate (“SOFR”) for a one-month period plus a spread as agreed upon by Santander and Seller for each transaction. The initial maturity date of the Facility is March 13, 2029, subject to (i) an option by Seller to extend the term for successive one-year extension periods, which extensions may be approved in Santander’s discretion and upon the satisfaction of certain customary conditions set forth in the Repurchase Agreement, and (ii) a single twelve-month wind-down period, subject to satisfaction of certain conditions set forth in the Repurchase Agreement.

In connection with the Repurchase Agreement, the Company provided a Guaranty (1the “Guaranty”), ~~Includes~~under ~~upfront~~which ~~selling~~the ~~commissions~~Company guarantees up to a maximum liability of ~~$36~~25% of the outstanding purchase price,~~015~~ accrued interest, fees, and other amounts due from Seller under the Repurchase Agreement. The Guaranty may become full recourse to the Company upon the occurrence of certain events, including voluntary bankruptcy filings, collusion in involuntary bankruptcy filings, or a breach of separateness covenants resulting in substantive consolidation. The Company is also liable under the Guaranty for actual losses, damages, costs and expenses incurred by Buyer resulting from customary “bad boy” events as described in the Guaranty.

* The ~~Company~~Repurchase ~~views~~Agreement ~~its~~and ~~different~~the ~~series~~Guaranty ofcontain ~~common stock as being part of a single class of common stock~~representations, ~~as applicable. However~~warranties, incovenants ~~order~~(including tofinancial ~~mirror common industry terminology~~covenants), ~~the~~events ~~Company~~of ~~refers~~default toand ~~these~~indemnities ~~separate~~that ~~series~~are ofcustomary ~~common~~for ~~stock~~similar asrepurchase ~~“classes~~facilities.”

The sale of the Shares in the Offering was made pursuant to subscription agreements entered into by the Company and the purchasers thereof. The Company relied, in part, upon representations from the purchasers in the subscription agreements that each purchaser was an accredited investor (as defined in Regulation D under the Securities Act).

In addition, on March 2, 2026, the Company exchanged 626,569.903 shares of its Class I Common Stock for an equivalent number of shares of its Class NV-2 Common Stock. The issuance of the shares of Class NV-2 Common Stock was exempt from the registration requirements of the Securities Act pursuant to Section 3(a)(9) of the Securities Act on the basis that the issuance of Class NV-2 Common Stock constituted an exchange with existing holders of the Company’s securities and no commission or other remuneration was paid or given directly or indirectly for soliciting such transaction.

Item 8.01 Other Events

Distributions

On or about March 10, 2026, the Company will pay distributions per share for each outstanding class of its common stock for the month of February 2026 in the net distribution amounts set forth below.

Class S		Class I		Class NV-1		Class F-I		Class F-II
$ 0.1497		$ 0.1660		$ 0.1660		$ 0.2152		$ 0.1910

The net distribution for each class of common stock consists of a regular gross distribution reduced by any class-specific accruals allocable to the class and is payable to stockholders of record as of the close of business on February 28, 2026 (the “Record Date”). As of the Record Date, the Company had no outstanding shares of Class T, Class D or Class NV-2 Common Stock. These distributions will be paid in cash or reinvested in the applicable class of common stock for stockholders participating in the Company’s distribution reinvestment plan.

Loan Originations

Denver Multifamily

On February 26, 2025, the Company originated a $81.0 million floating rate, first mortgage loan collateralized by a 302-unit multifamily asset located in Denver, Colorado (“Denver Multifamily”). The mortgage loan is intended to refinance the existing debt on the property. The initial term of the loan is two years and provides for three one-year extension options, subject to the satisfaction of certain pre-defined conditions by the borrower. Monthly payments consist of interest only at a rate of one-month term SOFR plus 2.45%.

Raleigh Multifamily

On February 26, 2025, the Company originated a $47.2 million floating rate, first mortgage loan collateralized by a 344-unit multifamily asset located in Raleigh, North Carolina (“Raleigh Multifamily”). The mortgage loan is intended to refinance the existing debt on the property. The initial term of the loan is three years and provides for two one-year extension options, subject to the satisfaction of certain pre-defined conditions by the borrower. Monthly payments consist of interest only at a rate of one-month term SOFR plus 2.50%.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: March 6, 2026

Goldman Sachs Real Estate Finance Trust Inc

Dated: March 19, 2026

Goldman Sachs Real Estate Finance Trust Inc

/s/ Mallika Sinha

Mallika Sinha

Chief Financial Officer

Filing Compare · Goldman Sachs Real Estate Finance Trust Inc