# EDGAR Filing Document

**Accession Number:** 0001498547
**File Stem:** 0001498547-26-000004
**Filing Date:** 2026-3
**Character Count:** 36846
**Document Hash:** ec9a4d412cf215593564ef6fb6647b46
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001498547-26-000004.hdr.sgml**: 20260318

**ACCESSION NUMBER**: 0001498547-26-000004

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20260312

**ITEM INFORMATION**: Entry into a Material Definitive Agreement

**ITEM INFORMATION**: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260318

**DATE AS OF CHANGE**: 20260318

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CIM REAL ESTATE FINANCE TRUST, INC.
- **CENTRAL INDEX KEY:** 0001498547
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 273148022
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-54939
- **FILM NUMBER:** 26767827

**BUSINESS ADDRESS:**
- **STREET 1:** 2398 EAST CAMELBACK ROAD
- **STREET 2:** 4TH FLOOR
- **CITY:** PHOENIX
- **STATE:** AZ
- **ZIP:** 85016
- **BUSINESS PHONE:** 602-778-8700

**MAIL ADDRESS:**
- **STREET 1:** 2398 EAST CAMELBACK ROAD
- **STREET 2:** 4TH FLOOR
- **CITY:** PHOENIX
- **STATE:** AZ
- **ZIP:** 85016

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** COLE CREDIT PROPERTY TRUST IV, INC.
- **DATE OF NAME CHANGE:** 20110524

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** COLE ADVISOR CORPORATE INCOME
- **DATE OF NAME CHANGE:** 20110428

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Cole Advisor Retail Income REIT, Inc.
- **DATE OF NAME CHANGE:** 20100922

?xml version='1.0' encoding='ASCII'? cmft-20260312

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| |
|:---|
| **UNITED STATES** |
| **SECURITIES AND EXCHANGE COMMISSION** |
| **Washington, D.C. 20549** |

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**FORM 8-K**

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| |
|:---|
| **CURRENT REPORT** |
| **PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934** |

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**Date of Report (Date of earliest event reported): March 12, 2026**

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| |
|:---|
| **CIM Real Estate Finance Trust, Inc.** |
| (Exact Name of Registrant as Specified in Its Charter) |

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**Commission file number 000-54939**

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| | | |
|:---|:---|:---|
| **Maryland** | **Maryland** | **27-3148022** |
| **(State or other jurisdiction of<br>incorporation or organization)** | **(State or other jurisdiction of<br>incorporation or organization)** | **(I.R.S. Employer Identification Number)** |
| **2398 East Camelback Road, 4th Floor** | **2398 East Camelback Road, 4th Floor** | |
| **Phoenix,** | **Arizona** | **85016** |
| **(Address of principal executive offices)** | **(Address of principal executive offices)** | **(Zip Code)** |
|  | **(602)** | **778-8700** |
|  | **(Registrant's telephone number, including area code)** | **(Registrant's telephone number, including area code)** |
|  | **(Former name or former address, if changed since last report)** | **(Former name or former address, if changed since last report)** |

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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:

☐&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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

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

☐&nbsp;&nbsp;&nbsp;&nbsp;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:**

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| | | |
|:---|:---|:---|
| **Title of Each Class** | **Trading Symbol** | **Name of each exchange on which registered** |

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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 □

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| | |
|:---|:---|
| **Item 1.01** | **Entry into a Material Definitive Agreement.** |

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On March 12, 2026, CMFT RE Lending RF Sub WF, LLC ("CMFT Seller"), an indirect wholly-owned subsidiary of CIM Real Estate Finance Trust, Inc. (the "Company"), and Wells Fargo Bank, National Association ("Wells Fargo") entered into that certain Fifth Amendment to Master Repurchase and Securities Contract (the "Fifth Amendment"), which amended that certain Master Repurchase and Securities Contract by and between CMFT Seller and Wells Fargo dated May 20, 2021 (the "CMFT Repurchase Agreement"), which was entered into for the purpose of providing financing for certain commercial real estate loans and interests therein originated or acquired by CMFT Seller (the "CMFT Repurchase Facility"), as described in the Company's Current Report on Form 8-K filed by the Company with the Securities and Exchange Commission (the "SEC") on May 26, 2021, and as amended on October 28, 2021, March 4, 2022, August 31, 2022 and August 15, 2025 as discussed in a Current Report on Form 8-K filed with the SEC on November 3, 2021, March 10, 2022, September 7, 2022, and August 21, 2025, respectively. The fee letter that was entered into in connection with the CMFT Repurchase Agreement was amended and restated to reduce the maximum facility amount of the CMFT Repurchase Facility from approximately $512.0 million to approximately $277.5 million, and the Fifth Amendment makes corresponding changes to the CMFT Repurchase Agreement. Other than the modified terms described above, the material terms of the CMFT Repurchase Agreement and the CMFT Repurchase Facility, as previously amended, remain unchanged.

In addition, on March 13, 2026, CLR RE Lending Sub WF, LLC (the "CLR Seller"), a subsidiary of CIM Commercial Lending REIT ("CLR") and the Company, amended and restated the fee letter that was entered into in connection with that certain Master Repurchase and Securities Contract by and between CLR Seller and Wells Fargo dated August 15, 2025 (the "CLR Repurchase Agreement"), which was entered into for the purposes of providing financing for certain commercial real estate mortgage loans and interests therein originated or acquired by CLR Seller (the "CLR Repurchase Facility"), as described in the Company's Current Report on Form 8-K filed with the SEC) on August 21, 2025. The fee letter was amended and restated to, among other things, increase the maximum facility amount of the CLR Repurchase Facility from $250.0 million to $500.0 million. Other than the modified terms described above, the material terms of the CLR Repurchase Agreement remain unchanged.

In connection with the CLR Repurchase Agreement, the Company, as the initial guarantor and CLR (the "Replacement Guarantor") entered into a guaranty with the Buyer (the "Guaranty") on a joint and several basis until the satisfaction of certain terms and conditions as set forth in the Guaranty, at which point the Replacement Guarantor will become the sole guarantor under the Guaranty. All obligations under the Guaranty were reaffirmed by the Guarantors on March 13, 2026 (the "Reaffirmation Agreement").

The foregoing summary of the Fifth Amendment and the Reaffirmation Agreement does not purport to be a complete description and is qualified in its entirety by the full text of the Fifth Amendment and the Reaffirmation Agreement, which are attached hereto as Exhibit 10.1 and Exhibit 10.2, respectively, and are incorporated herein by reference.

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| | |
|:---|:---|
| **Item 2.03** | **Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.** |

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The information set forth under Item 1.01 of this Current Report on Form 8-K is hereby incorporated by reference into this Item 2.03 in its entirety.

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| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits.** |

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*(d) Exhibits* 

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 10.1 | <u>[F](exhibit101-fifthamendmentt.htm)[ifth](exhibit101-fifthamendmentt.htm)[Amendment to Master Repurchase](exhibit101-fifthamendmentt.htm)[and Securities Contract](exhibit101-fifthamendmentt.htm)[, dated](exhibit101-fifthamendmentt.htm)[March 12](exhibit101-fifthamendmentt.htm)[, 202](exhibit101-fifthamendmentt.htm)[6](exhibit101-fifthamendmentt.htm)[, by and between CMFT RE Lending](exhibit101-fifthamendmentt.htm)[RF](exhibit101-fifthamendmentt.htm)[Sub WF, LLC and Wells Fargo Bank, N.A.](exhibit101-fifthamendmentt.htm)</u> |
| 10.2 | <u>[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.](exhibit102-wellsxclrxreaff.htm)</u> |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |

---

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**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.

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| | | |
|:---|:---|:---|
| Dated: March 18, 2026 | **CIM REAL ESTATE FINANCE TRUST, INC.** | **CIM REAL ESTATE FINANCE TRUST, INC.** |
|  | By: | /s/ Nathan D. DeBacker |
|  | Name: | Nathan D. DeBacker |
|  | Title: | Chief Financial Officer, Principal Accounting Officer and Treasurer |
|  |  | *(Principal Financial Officer and Principal Accounting Officer)* |

---

## Exhibit 10.1

**Exhibit 10.1**

**<u>FIFTH AMENDMENT TO MASTER REPURCHASE AND SECURITIES CONTRACT</u>** 

**THIS FIFTH AMENDMENT TO MASTER REPURCHASE AND SECURITIES CONTRACT**, dated as of March 12, 2026 (this "<u>Amendment No. 5</u>"), is entered into by and among **CMFT RE LENDING RF SUB WF, LLC**, a Delaware limited liability company, as seller (together with its successors and permitted assigns in such capacity, "<u>Seller</u>") and **WELLS FARGO BANK, NATIONAL ASSOCIATION**, as buyer (together with its successors and assigns in such capacity, "<u>Buyer</u>") and as acknowledged and agreed by **CIM REAL ESTATE FINANCE TRUST, INC.,** a Maryland corporation, as guarantor (together with its successors and permitted assigns, "<u>Guarantor</u>"), **CMFT RE LENDING SUB WF HOLDCO, LLC,** a Delaware limited liability company, as equity pledgor (together with its successors and permitted assigns, in such capacity, "<u>Equity Pledgor</u>"), **CIM RE LENDING SUB, LLC,** a Delaware limited liability company, as a residual pledgor (together with its successors and permitted assigns, in such capacity, "<u>Sub</u>") and **CMFT RE LENDING SUB II, LLC**, a Delaware limited liability company, as a residual pledgor (together with its successors and permitted assigns, in such capacity, "<u>Sub II</u>", and together with Sub, individually and collectively as the context requires, "<u>Residual Pledgor</u>", and together with Equity Pledgor, individually and collectively as the context requires, "<u>Pledgor</u>"). Capitalized terms used and not otherwise defined herein shall have the meanings given to such terms in the Repurchase Agreement (as defined below).

**R E C I T A L S**

**WHEREAS**, Seller and Buyer are parties to that certain Master Repurchase and Securities Contract, dated as of May 20, 2021 (as amended by that certain First Amendment to Master Repurchase and Securities Contract, dated as of October 28, 2021, that certain Amended and Restated Confirmation, dated February 14, 2022, but effective as of December 23, 2021, with respect to the Purchased Asset known as Columbia Crossing, entered into among Seller, Guarantor and Buyer, that certain Second Amendment to Master Repurchase and Securities Contract, dated as of March 4, 2022, that certain Third Amendment to Master Repurchase and Securities Contract and Termination of Preferred Equity Related Pledge and Security Agreement, dated as of August 31, 2022, that certain Fourth Amendment to Master Repurchase and Securities Contract, dated as of August 15, 2025, this Amendment No. 5 and as may be further amended, modified, restated, replaced, waived, substituted, supplemented or extended from time to time, collectively, the "<u>Repurchase Agreement</u>"); and

**WHEREAS**, the parties hereto desire to make certain amendments and modifications to the Repurchase Agreement.

**NOW THEREFORE**, in consideration of the foregoing recitals, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto, intending to be legally bound, agree as follows:

**Section 1.&nbsp;&nbsp;&nbsp;&nbsp;<u>Amendments to the Repurchase Agreement</u>**.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The following defined terms in <u>Section 2.01</u> of the Repurchase Agreement are hereby amended and restated in their entirety, as follows:

------

""<u>Fee Letter</u>": The Fifth Amended and Restated Fee Letter, dated as of March 12, 2026, between Buyer and Seller, as amended, modified, waived, supplemented, extended, restated or replaced from time to time."

**Section 2. <u>Repurchase Documents in Full Force and Effect as Modified; No</u> <u>Novation</u>**. The parties hereto have entered into this Amendment No. 5 and the Fee Letter solely to modify or amend the terms of the Repurchase Agreement and indirectly the other Repurchase Documents to the extent the amendments contained herein affect such other Repurchase Documents and do not intend this Amendment No. 5, the Fee Letter or the transactions contemplated hereby or thereby to be, and this Amendment No. 5, the Fee Letter and the transactions contemplated hereby or thereby shall not be construed to be, a novation of any of the obligations owing by Seller or any other Repurchase Party under or in connection with the Repurchase Agreement or any of the other Repurchase Documents. It is the intention and agreement of each of the parties hereto that (a) the perfection and priority of all security interests securing the payment of the Repurchase Obligations of the Repurchase Parties under the Repurchase Agreement and the other Repurchase Documents are preserved, (b) the Liens and security interests granted under the Repurchase Agreement and the other Repurchase Documents shall continue in full force and effect without modification, interruption, lapse, termination or limitation, and (c) any reference to the Repurchase Agreement or the Fee Letter in any Repurchase Document shall be deemed to reference the Repurchase Agreement and the Fee Letter, as applicable, as amended by this Amendment No. 5 and the Fee Letter. Except as specifically modified hereby and by the Fee Letter, nothing contained in this Amendment No. 5 or the Fee Letter is intended to amend, modify or otherwise affect any obligation of any Repurchase Party existing prior to the date hereof and the Repurchase Documents shall remain in full force and effect in accordance with their terms and are hereby ratified and confirmed. The parties hereto agree to be bound by the terms and conditions of the Repurchase Documents, as modified by this Amendment No. 5 and the Fee Letter, as though such terms and conditions were set forth herein.

**Section 3. <u>Representations and Warranties</u>**. Each of Seller, Guarantor and Pledgor represent and warrant, as of the date of this Amendment No. 5, as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)it is duly incorporated or organized, validly existing and in good standing under the laws of its jurisdiction of organization and is duly qualified in each jurisdiction necessary to conduct business as presently conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)the execution, delivery and performance by it of this Amendment No. 5 and the Fee Letter are within its corporate, limited liability company or partnership powers, have been duly authorized and does not contravene (i) its Governing Documents or its applicable resolutions, (ii) any Requirements of Law or (iii) any Contractual Obligation, Indebtedness or Guarantee Obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) no consent, license, permit, approval or authorization of, or registration, filing or declaration with any Governmental Authority or other Person is required in connection with the execution, delivery, performance, validity or enforceability by or against it of this Amendment No. 5, the Fee Letter or the Repurchase Documents;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)this Amendment No. 5 and the Fee Letter have been duly executed and delivered by it;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)each of this Amendment No. 5, the Fee Letter and the other Repurchase Documents constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors' rights generally or by general principles of equity;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)no Default or Event of Default exists or will exist after giving effect to this Amendment No. 5 and the Fee Letter;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)none of Seller, Guarantor nor Pledgor has any defense, offset, counterclaim, abatement, right of rescission or other claims, actions, causes of action, demands, damages or liabilities of any kind or nature, in all cases whether legal or equitable, available to Seller, Guarantor, Pledgor or any other Person with respect to (i) this Amendment No. 5, the Fee Letter, the Repurchase Agreement, the Repurchase Documents or any other instrument, document and/or agreement described herein or therein, as modified and amended hereby, (ii) the obligation of Seller to repay the Repurchase Obligations and other amounts due under the Repurchase Documents or (iii) Buyer or Buyer's respective officers, employees, representatives, agents, counsel or directors arising out of or from or in any way related to or in connection with the Repurchase Agreement or the Repurchase Documents, including, without limitation, any action by such Persons, or failure of such Persons to act, under the Repurchase Agreement or the other Repurchase Documents on or prior to the date hereof;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h)except as specifically provided in this Amendment No. 5 and the Fee Letter, the Repurchase Obligations are not reduced or modified by this Amendment No. 5 or the Fee Letter;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)the representations and warranties of Seller, Guarantor and Pledgor set forth in the Repurchase Documents are true and correct in all material respects as of the date hereof; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j)immediately after giving effect to this Amendment No. 5 and the Fee Letter, Seller, Guarantor and Pledgor are in compliance with each of their covenants set forth in the Repurchase Documents.

**Section 4.&nbsp;&nbsp;&nbsp;&nbsp;<u>Conditions Precedent</u>**.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The effectiveness of this Amendment No. 5 is subject to the following conditions precedent: (i) delivery to Buyer of this Amendment No. 5 and the Fee Letter, duly executed by the parties hereto or thereto, and (ii) delivery to Buyer of such other documents, agreements or certifications as Buyer may require.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Seller acknowledges and agrees that it shall pay all reasonable legal fees and expenses of Moore & Van Allen, PLLC, as counsel to Buyer, relating to this Amendment No. 5 and the Fee Letter in an amount to be set forth on a separate invoice at the time of closing this Amendment No. 5 and the Fee Letter or, if not submitted at that time, within ten (10) Business

------

Days of receipt of such invoice to the extent such fees and expenses are not paid upon the closing of this Amendment No. 5 and the Fee Letter.

**Section 5.&nbsp;&nbsp;&nbsp;&nbsp;<u>Miscellaneous</u>**.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)This Amendment No. 5 may be executed in any number of counterparts (including by facsimile or other electronic transmission), and by the different parties hereto on the same or separate counterparts, each of which, when so executed and delivered shall be deemed to be an original instrument but all of which taken together shall constitute one and the same agreement. Delivery of an executed counterpart of this Amendment No. 5 in Portable Document Format (PDF) by email or facsimile transmission shall be effective as delivery of a manually executed counterpart thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)The descriptive headings of the various sections of this Amendment No. 5 are inserted for convenience of reference only and shall not be deemed to affect the meaning or construction of any of the provisions hereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)This Amendment No. 5 may not be amended or otherwise modified, waived or supplemented except as provided in the Repurchase Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)The interpretive provisions of <u>Section 2.02</u> to the Repurchase Agreement are incorporated herein mutadis mutandis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)This Amendment No. 5 and the Fee Letter (together with the other Repurchase Documents, as amended hereby) represents the final agreement among the parties and may not be contradicted by evidence of prior, contemporaneous or subsequent oral agreements between the parties. There are no unwritten oral agreements between the parties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)**THIS AMENDMENT NO. 5 SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO ANY CONFLICTS OF LAW PRINCIPLES OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW.**

In consideration of Buyer entering into this Amendment No. 5 and the Fee Letter, Seller, Guarantor and Pledgor hereby waive, release and discharge Buyer and Buyer's officers, employees, representatives, agents, counsel and directors from any and all actions, causes of action, claims, demands, damages and liabilities of whatever kind or nature, in law or in equity, now known or unknown, suspected or unsuspected to the extent that any of the foregoing arises out of or from or in any way relating to or in connection with the Repurchase Agreement or the Repurchase Documents, including, but not limited to, any action or failure to act under the Repurchase Agreement or the other Repurchase Documents on or prior to the date hereof, except, with respect to any such Person being released hereby, any actions, causes of action, claims, demands, damages and liabilities arising out of such Person's gross negligence or willful misconduct in connection with the Repurchase Agreement or the other Repurchase Documents.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)Guarantor and each Pledgor (i) agrees to and consents to the terms and provisions of this Amendment No. 5 and the Fee Letter, (ii) acknowledges and confirms that the Guaranty and the Pledge and Security Agreement remain in full force and effect notwithstanding this Amendment No. 5 and the Fee Letter, and (iii) reaffirm their obligations under the Guaranty and the Pledge and Security Agreement (as applicable).

**[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]**

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**IN WITNESS WHEREOF,** the parties have caused this Amendment No. 5 to be executed by their respective officers thereunto duly authorized, as of the date first above written.

**SELLER:**

**CMFT RE LENDING RF SUB WF, LLC,**

a Delaware limited liability company

By:<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathan D. DeBacker&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>

Name: Nathan D. DeBacker

Title: Vice President, Chief Financial Officer and Treasurer

**[SIGNATURES CONTINUE ON THE FOLLOWING PAGE]**

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**BUYER:**

**WELLS FARGO BANK, NATIONAL ASSOCIATION**

By: <u>/s/ H. Lee Goins III</u> 

Name: H. Lee Goins III

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title: Managing Director

**[SIGNATURES CONTINUE ON THE FOLLOWING PAGE]**

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**ACKNOWLEDGED AND AGREED:**

**CIM REAL ESTATE FINANCE TRUST, INC.,**

a Maryland corporation, as Guarantor

By:<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathan D. DeBacker&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>**&nbsp;&nbsp;&nbsp;&nbsp;**

Name: Nathan D. DeBacker

Title:&nbsp;&nbsp;&nbsp;&nbsp;Chief Financial Officer, Principal Accounting Officer and Treasurer

**CMFT RE LENDING SUB WF HOLDCO, LLC,**

a Delaware limited liability company, as Equity Pledgor

By:<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathan D. DeBacker&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>

Name: Nathan D. DeBacker

Title: Vice President, Chief Financial Officer and Treasurer

**CIM RE LENDING SUB, LLC,**

a Delaware limited liability company, as a Residual Pledgor

By:<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathan D. DeBacker&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>

Name: Nathan D. DeBacker

Title: Vice President, Chief Financial Officer and Treasurer

**CMFT RE LENDING SUB II, LLC,**

a Delaware limited liability company, as a Residual Pledgor

By:<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathan D. DeBacker&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>&nbsp;&nbsp;&nbsp;&nbsp;

Name: Nathan D. DeBacker

Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President, Chief Financial Officer and Treasurer

## Exhibit 10.2

**Exhibit 10.2**

**REAFFIRMATION AGREEMENT (GUARANTEE AGREEMENT)**

REAFFIRMATION AGREEMENT (GUARANTEE AGREEMENT), dated as of March

13, 2026 (this "<u>Reaffirmation</u>"), by CIM REAL ESTATE FINANCE TRUST, INC., a Maryland corporation and CIM COMMERCIAL LENDING REIT, a Maryland statutory trust (individually and collectively, as the context may require, "<u>Guarantor</u>"), in favor of WELLS FARGO BANK, NATIONAL ASSOCIATION, a national banking association ("<u>Buyer</u>").

<u>RECITALS</u>

WHEREAS, CLR RE Lending Sub WF, LLC ("<u>Seller</u>") and Buyer are parties to (i) the Master Repurchase and Securities Contract, dated as of August 15, 2025 (as amended, restated, supplemented or otherwise modified and in effect from time to time, the "<u>Repurchase Agreement</u>") and (ii) the Amended and Restated Fee Letter, dated as of March 13, 2026 (as amended, restated, supplemented or otherwise modified and in effect from time to time, the "<u>Fee Letter</u>");

WHEREAS, pursuant to the Repurchase Agreement, Guarantor delivered that certain Guaranty and Subordination Agreement, dated as of August 15, 2025 (as amended, restated, supplemented, reaffirmed or otherwise modified and in effect from time to time, the "<u>Guarantee</u> <u>Agreement</u>") for the benefit of Buyer; and

WHEREAS, it is a condition precedent to the effectiveness of the amendment and restatement of the Fee Letter that Guarantor reaffirm its obligations under the Guarantee Agreement and reaffirm that the provisions of the Guarantee Agreement shall remain in full force and effect upon the effectiveness of the Fee Letter.

NOW, THEREFORE, in consideration of the premises and the agreements hereinafter set forth, the parties hereto hereby agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.<u>Definitions</u>. Unless otherwise defined herein, terms defined in the Repurchase Agreement and used herein shall have the meanings given to them in the Repurchase Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.<u>Reaffirmations by Guarantor</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)Guarantor hereby provides its consent and acknowledgment that the Fee Letter has been (contemporaneous with the effectiveness of this Reaffirmation) entered into as of the date hereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Guarantor hereby reaffirms the Guarantee Agreement and acknowledges that its obligations under the Guarantee Agreement, after giving effect to the effectiveness of the Fee Letter, are continuing and in full force and effect in favor of Buyer, including to guarantee the Guarantor Liabilities (as defined in the Guarantee Agreement), subject to the Guaranty Limit (as defined in the Guarantee Agreement), in accordance with Section 2.01 of the Guarantee Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Guarantor hereby reaffirms the Guarantee Agreement and acknowledges that the Guarantee Agreement, after giving effect to the effectiveness of the Fee Letter, is continuing and in full force and effect in favor of Buyer.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.<u>Representations and Warranties</u>. Guarantor hereby represents and warrants to Buyer that as of the date hereof (before and after giving effect to this Reaffirmation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)Guarantor has the requisite power and authority to execute, deliver and perform this Reaffirmation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Guarantor has taken all necessary corporate (or analogous) action to authorize the execution, delivery and performance of this Reaffirmation. This Reaffirmation constitutes a legal, valid and binding obligation of Guarantor, enforceable against Guarantor in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium or other similar laws relating to or affecting creditors' rights generally, and subject to general equitable principles (whether considered in a proceeding in equity or at law) and an implied covenant of good faith and fair dealing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Each of the representations and warranties made by Guarantor herein or in or pursuant to the Repurchase Documents is true and correct in all material respects on and as of the date hereof as if made on and as of such date; provided that any representation or warranty made solely with respect to a specified prior date shall be true and correct in all material respects as of such specified date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)After giving effect to this Reaffirmation, to Guarantor's Knowledge, no Default or Event of Default has occurred and is continuing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.<u>Limited Effect</u>. Except as expressly provided hereby, all of the terms and provisions of the Repurchase Agreement and the other Repurchase Documents are and shall remain in full force and effect. The reaffirmations contained herein shall not be construed as a waiver or amendment of any other provision of the Guarantee Agreement, the Repurchase Agreement or the other Repurchase Documents or for any purpose except as expressly set forth herein or a consent to any further or future action on the part of Seller that would require the waiver or consent of Buyer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.<u>Governing Law</u>. The governing law provisions set forth in the Guarantee Agreement are hereby incorporated herein, *mutatis mutandis*, as if a part hereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.<u>Electronic Signatures</u> . By signing or countersigning below, Guarantor acknowledges and agrees to the terms of this Reaffirmation. This Reaffirmation may be executed in counterparts (including using any electronic signature covered by the United States ESIGN Act of 2000, Uniform Electronic Transactions Act, the Electronic Signatures and Records Act or other applicable law, e.g., www.docusign.com), and such counterparts may be delivered in electronic format, including by facsimile, email or other transmission method. Such delivery of counterparts shall be conclusive evidence of the intent to be bound hereby and each such counterpart, including those delivered in electronic format, and copies produced therefrom shall have the same effect as an originally signed counterpart. To the extent applicable, the foregoing constitutes the election of the parties to invoke any law authorizing electronic signatures. Minor variations in the form of the signature page, including footers from earlier versions of this Reaffirmation, shall be disregarded in determining a party's intent or the effectiveness of such signature. No party shall

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raise the use the delivery of signatures to this Reaffirmation in electronic format as a defense to the formation of a contract and each such party forever waives any such defense.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.<u>Headings, etc.</u> Section or other headings contained in this Reaffirmation are for reference purposes only and shall not in any way affect the meaning or interpretation of this Reaffirmation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.<u>Repurchase Document</u>. Guarantor hereby acknowledges and agrees that, notwithstanding anything to the contrary contained herein, in the Repurchase Agreement or in any other Repurchase Document, this Reaffirmation shall constitute a Repurchase Document under the Repurchase Agreement.

[SIGNATURE PAGE FOLLOWS]

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IN WITNESS WHEREOF, the parties hereto have caused this Reaffirmation to be duly executed and delivered by their proper and duly authorized officers as of the day and year first above written.

**CIM REAL ESTATE FINANCE TRUST, INC.,**

a Maryland corporation

**By:**<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathan D. DeBacker&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>

Name: Nathan D. DeBacker

Title:&nbsp;&nbsp;&nbsp;&nbsp;Chief Financial Officer, Principal Accounting Officer and Treasurer

**CIM COMMERCIAL LENDING REIT,**

a Maryland statutory trust

**By:**<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathan D. DeBacker&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>

Name: Nathan D. DeBacker Title:&nbsp;&nbsp;&nbsp;&nbsp;Chief Financial Officer

<br>