What changed in this filing

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Item 5. Other Information

2026-08-14 compared with 2026-05-13 · 42 added, 27 removed, 19 unchanged (78% of the section changed)

Other Information

During the three months ended March 31, 2026, none of our directors or officers, as defined in Section 16 of the Exchange Act, adopted or terminated a “Rule 10b5-1 trading arrangement” or a “non-Rule 10b5-1 trading arrangement”, as each term is defined in Item 408 of Regulation S-K of the Exchange Act.

The following exhibits are included, or incorporated by reference, in this Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2026 (and are numbered in accordance with Item 601 of Regulation S-K).

During the three months ended June 30, 2026, none of our directors or officers, as defined in Section 16 of the Exchange Act, adopted or terminated a “Rule 10b5-1 trading arrangement” or a “non-Rule 10b5-1 trading arrangement”, as each term is defined in Item 408 of Regulation S-K of the Exchange Act.

The following exhibits are included, or incorporated by reference, in this Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2026 (and are numbered in accordance with Item 601 of Regulation S-K).

Incorporated by Reference

Description Form File No.

Exhibit Filing Date

3.1 Articles of Amendment and Restatement of CIM Real Estate Finance Trust, Inc.

8-K 000-54939 3.1 8/20/2019

3.2 Second Amended and Restated Bylaws of CIM Real Estate Finance Trust, Inc.

10-K 000-54939 3.2 3/28/2023

Articles of Amendment and Restatement of the Registrant

Authorized Shares Articles of Amendment of the Registrant

Articles Supplementary of the Registrant

Name Change Articles of Amendment of the Registrant

Third Amended and Restated Bylaws of the Registrant

Second Amended and Restated Distribution Reinvestment Plan.

8-K 000-54939 4.1 5/1/2020

Master Indenture, dated as of July 28, 2021, by and among CMFT Net Lease Master Issuer, LLC, as issuer, and Citibank N.A., as indenture trustee.

8-K 000-54939 4.1 8/3/2021

Supplemental Indenture No.

1 unchanged sentence

Series 2021-1 Indenture Supplement, dated as of July 28, 2021, by and among CMFT Net Lease Master Issuer, LLC, as issuer, and Citibank N.A., as indenture trustee.

8-K 000-54939 4.2 8/3/2021

Second Amendment to Loan and Security Agreement, dated February 6, 2026, by and between CMFT CL Lending Sub AB, LLC, as borrower, each of the lenders from time to time party thereto, Ally Bank, as administrative agent and arranger, and U.S.

Bank Trust Company, National Association, as collateral custodian.

8-K 000-54939 10.1

Fifth Amendment to Master Repurchase and Securities Contract, dated March 12, 2026 by and between Wells Fargo Bank, N.A.

Contribution Agreement, dated as of June 24, 2026, by and between the Registrant and CMFH

Contribution and Subscription Agreement, dated as of June 24, 2026, by and among the Registrant, CMFH and CMGH***

Second Amended and Restated Agreement of Limited Partnership of CMFH, dated as of June 24, 2026, by and among the Registrant, CMFH GP and CMGH

Tax Receivable Agreement, dated as of June 24, 2026, by and among the Registrant, CMFH and CMGH

Registration Rights Agreement, dated as of June 24, 2026, by and among the Registrant and CMGH

C IM Group Management, LLC Note Purchase Agreement, dated August 30, 2022

R e volving Credit Agreement among CIM Gr oup Managem ent, as Borrower, the Lenders from time to time party hereto an d City National Bank, as Agen t an d Lead Arranger, dated as of December 30, 2022

Incorporated by Reference

First Amendment to Revolving Credit Agreement, dated January 24, 2023 , among CIM Group Management, as Borrower, the Lenders from time to time party hereto and City National Bank, as Agent and Lead Arranger,

S econd Amendment to Re volv in g Cre dit Agreement, dated January 27, 2023, by and among CIM Group Management, LLC, as Borrower, Comerica Bank as Additional Lender , and City National Bank as admi nistrative agent for the Lenders .

T hird Amendment to Re volving Credit Agreement, dated March 28, 2025, by a nd among CIM Group Management , LLC, as Borrower, each Lender party hereto, and City National Bank as administrative agent for the Lenders and as the Swing Line Lender.

First Amendment to Amended and Restated Master Repurchase Agreement, dated June 24, 2026 , by and between CMFT RE Lending RF Sub BB, LLC and Barclays Bank PLC.

First A mendment to Master Repurchase Agreement, dated June 24, 2026 , by and between CLR RE Lending RF Sub BB, LLC and Barclays Bank PLC.

Sixth Amendment to Master Repurchase and Securities Contract, dated June 24 , 2026 by and between Wells Fargo Bank, N.A.

and CMFT RE Lending RF Sub WF, LLC.

8-K 000-54939 10.1 3/18/2026

Reaffirmation Agreement, dated as of March 13, 2026, by CIM Real Estate Finance Trust, Inc.

and CIM Commercial Lending REIT for the benefit of Wells Fargo Bank, N.A.

8-K 000-54939 10.2

First Amendment to Master Repurchase Agreement and Consent to R estructuring , dated June 24, 2026 , by and between CLR RE Lending RF Sub CB, LLC and Citibank, N.A.

Second Amendment to Amended and Restated Master Repurchase Agreement and Consent to Restructuring, dated as of June 24, 2026, is entered into and among Citibank, N.A., CMFT RE Lending RF Sub CB, LLC, and Guarantor CIM Real Estate Finance Trust, Inc.

C onsent to restructuring dated June 24, 2026, entered into by Citiba nk, N.A ., as Administrative Agent and CIM Group Holdings, LLC.

Third Amendment to Amended and Restated Master Repurchase Agreement and Consent to Restructuring, dated June 24, 2026, by and among Deutsche Bank AG, New York Branch, CMFT RE Lending RF Sub DB, LLC, CIM Real Estate Finance Trust, Inc.

and CIM Commercial Lending REIT .

First Amendment to Loan and Servicing Agreement and Consent to Restructuring, dated June 24, 2026, among M assachusetts Mutual Life Insur ance Company, MassMutual Ascend Life Insur a n ce Com pa ny, CM FT RE Lending Sub MM Holdco, and CMFT RE Lending Sub MM, LLC.

Amendment No.

1 to Master Repurchase and Securities Contract and Consent to Restructuring, dated June 24, 2026, among Wells Fargo Bank, National Association, CLR RE Lending Sub WF, LLC, CIM Real Estate Finance Trust, Inc., CIM Commercial Lending REIT, and CLR RE Lending Sub WF Holdco, LLC .

Certifications of the Principal Executive Officer of the Company pursuant to Exchange Act Rule 13a-14(a) or 15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

2 unchanged sentences

Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

101.INS* XBRL Instance Document.

101.SCH* XBRL Taxonomy Extension Schema Document.

101.CAL* XBRL Taxonomy Extension Calculation Linkbase Document.

101.DEF* XBRL Taxonomy Extension Definition Linkbase Document.

101.LAB* XBRL Taxonomy Extension Label Linkbase Document.

101.PRE* XBRL Taxonomy Extension Presentation Linkbase Document.

XBRL Instance Document.

XBRL Taxonomy Extension Schema Document.

XBRL Taxonomy Extension Calculation Linkbase Document.

XBRL Taxonomy Extension Definition Linkbase Document.

XBRL Taxonomy Extension Label Linkbase Document.

Incorporated by Reference

XBRL Taxonomy Extension Presentation Linkbase Document.

Cover Page Interactive Data File (formatted as InLine XBRL and contained in Exhibit 101).

2 unchanged sentences

Such certifications will not be deemed incorporated by reference into any filing under the Securities Act or the Exchange Act, except to the extent that the registrant specifically incorporates it by reference.

In accordance with Item 601(a)(5) of Regulation S-K, certain schedules and exhibits have not been filed.

The Registrant hereby agrees to furnish supplementally a copy of any omitted schedule or exhibit to the Securities and Exchange Commission upon request.

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 thereunto duly authorized.

CIM Real Estate Finance Trust, Inc.

/s/ Nathan D.

CIM Group, Inc.

/s/ David Thompson

David Thompson

Chief Financial Officer, Principal Accounting Officer and Treasurer

(Principal Financial Officer and Principal Accounting Officer)

August 14, 2026

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-Q

Item 5. Other Information