SUNS Sunrise Realty Trust, Inc. - 8-K

Item 1.01

Entry into a Material Definitive Agreement.

On February 27, 2026, Sunrise Realty Trust,
Inc., a Maryland corporation (the “Company”), entered into an amendment (the “Amendment”) to that certain Loan
and Security Agreement, dated as of November 6, 2024 (the “Agreement”), as amended, by and among the Company and Sunrise Realty
Trust Holdings I LLC, as co-borrowers, the lenders party thereto, East West Bank (“EWB”), in its capacity as administrative
agent for each member of the lenders party and the bank product, EWB, City National Bank of Florida and Everbank, N.A., as joint lead
arrangers, EWB as sole bookrunner, co-syndication agent and co-documentation agent thereto. The Amendment, among other things (i) facilitates
the entry of another lender, (ii) increases the maximum revolver amount by an additional $25 million, for a total of $165 million, and
(iii) revises the required lender consent requirement such that any action requiring lender consent shall require the consent of EWB and
Everbank, N.A.

The foregoing description of the Amendment is qualified
in its entirety by reference to the full text of the Amendment, which is filed as Exhibit 10.9G hereto and is incorporated by reference
herein.

On March 5, 2026, Sunrise Realty Trust, Inc. issued a press
release announcing the Amendment to the Agreement. A copy of the press release is furnished as Exhibit 99.1 hereto.

Item 9.01

Financial Statements and Exhibits.

(d)

Exhibits

Exhibit
No.

Description

10.9G

Amendment Number Seven to Loan and Security Agreement, dated as of February 27, 2026, by and among Sunrise Realty Trust, Inc., Sunrise Realty Trust Holdings I LLC, the lenders party thereto, and the joint lead arrangers, sole bookrunner, co-syndication agent, co-documentation agent and administrative agent party thereto.

99.1

Press Release issued by Sunrise Realty Trust, Inc. on March 5, 2026.

104

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