Company: SACH
Filing Date: 2025-05-28
Form Type: S-3/A
Source: 0001628280-25-028093
Chunk: 13

Company: Sachem Capital Corp.
Filing Date: 2025-05-28
Form: S-3/A
Chunk 13
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 to increase the interest rate on our loans to keep pace with the frequency and size of rate increases under our existing and future credit facilities;

• our ability to manage and control our operating and administrative expenses, particularly those relating to our status as a public reporting REIT;

• defaults by our borrowers;

• the rate of prepayments on our outstanding loans and our ability to reinvest those payments in new loans;

• regional and national economic conditions;

• competition from banks and other financing sources;

• our cash flow from operations;

<div align='center'>9</div>

• unanticipated developments, write-offs, or liabilities;

• restrictions and limitations imposed by the BCL; and

• restrictions in our existing and future credit facilities.

<div align='center'>10</div>

### DESCRIPTION OF COMMON SHARES
The following description of our common shares is only a summary. This description and the description contained in any prospectus supplement is subject to, and qualified in its entirety by reference to, our certificate of incorporation and bylaws, each as amended, each of which has previously been filed with the SEC and which we incorporate by reference as exhibits to the registration statement of which this prospectus is a part, and the BCL.

#### Authorized Capitalization
Our authorized capital stock includes 200,000,000 common shares, par value $0.001 per share. At May 15, 2025, we had 47,310,139 common shares issued and outstanding.

#### Common Shares
Subject to preferences that may apply to preferred shares outstanding at the time, the holders of outstanding common shares are entitled to receive dividends out of assets legally available therefor at such times and in such amounts as the board of directors may from time to time determine. Each shareholder is entitled to one vote for each common share held on all matters submitted to a vote of shareholders. Directors are elected by plurality vote. Therefore, the holders of a majority of the outstanding common shares voted can elect all the directors then standing for election. Holders of common shares are not entitled to preemptive rights and are not subject to conversion or, as more fully described below in “Restrictions on Ownership and Transfer of Capital Stock,” except in the case of a prohibited transfer, redemption. If we liquidate or dissolve or our business is otherwise wound up, the holders of common shares would be entitled to share ratably in the distribution of all of our assets remaining available for distribution after satisfaction of all our liabilities and the payment of the liquidation preference of any outstanding preferred shares. Each outstanding