Regulation FD Disclosure (Form 8-K)

Item 7.01. Regulation FD Disclosure.

As previously disclosed, Terra Property Trust, Inc. (the "Company") intends to repay its 6.00% Senior Notes due June 30, 2026 and to cause Terra Income Fund 6, LLC, the Company's wholly owned subsidiary ("Terra LLC"), to repay the 7.00% Senior Notes due March 31, 2026 of Terra LLC through various financings, including ordinary course loan repayments, asset sales and distributions, and debt or equity capital sources or facilities.

The Company participated in meetings with potential investors and capital sources where management discussed the progress the Company made in strengthening its balance sheet. Anticipating and responding to the challenges facing commercial real estate in the higher interest rate environment, over time the Company evolved its financing strategy to deploy more conservative amounts of leverage relative to the mortgage REIT sector. Over the last three fiscal years through September 30, 2025, the Company repaid approximately $200 million under various financing obligations.

The information in this Item 7.01 of this Current Report on Form 8-K shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability of such section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, regardless of the general incorporation language of such filing, except as shall be expressly set forth by specific reference in such filing.