Ares Commercial Real Estate (ACRE) risk factors

Item 1A of every Ares Commercial Real Estate Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
100 risks7 new5 dropped18 reworded
Ares Commercial Real Estate added artificial intelligence disruption and loan origination risks while revising its sustainability and CECL reserve disclosures.
Filed Feb 10, 2026
FY2024 10-K risk factors
98 risks
Portfolio concentration in office and mixed-use properties drives credit risks and CECL reserve increases. Heavy reliance on debt financing and credit agreements creates collateral and liquidity exposure. External management by Ares creates information system and operational dependencies.
Filed Feb 12, 2025