Chicago Atlantic Real Estate Finance, Inc. (NASDAQ:REFI) is a publicly listed real estate finance company that specializes in originating and acquiring commercial real estate debt. Pursuant to its election to be treated as a real estate investment trust (REIT), REFI’s investment strategy focuses on floating-rate senior mortgage loans secured by income-producing properties across the United States. The company targets stabilized, performing assets in sectors such as multifamily, office, retail and industrial, aiming to generate attractive risk-adjusted returns through current income.
Established in 2015 and headquartered in Chicago, Illinois, REFI completed its initial public offering in 2019. The company maintains a diversified portfolio of first mortgage and other senior real estate loans, typically structured with floating-rate coupons and incorporating robust credit underwriting. In addition to direct lending, REFI may invest in preferred equity and subordinated debt positions when consistent with its risk-return objectives.
REFI is externally managed and advised by Chicago Atlantic Real Estate LLC, a real estate finance firm led by CEO Stephen S. Knight and a management team with deep experience in commercial mortgage markets. This alignment of interests seeks to blend specialized origination capabilities with prudent credit risk management, supported by a network of institutional relationships and regional operating partners.
Through disciplined investment processes and geographic diversification, Chicago Atlantic Real Estate Finance aims to provide shareholders with stable dividend streams and potential for capital appreciation, while financing middle-market real estate borrowers across key U.S. markets.
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