Material Agreement, Financial Obligation (Form 8-K)

Item 1.01 Entry into a Material Definitive Agreement.

Expansion of Credit Facility:

On December 2, 2025, GTJ Realty, LP (the "Operating Partnership"), a Delaware limited partnership and the operating partnership of GTJ REIT, Inc. (the "Company"), entered into a letter agreement (the "Letter Agreement") supplementing the First Amended and Restated Credit Agreement, dated October 22, 2021, as amended on August 5, 2022 (as amended, the "First Amended and Restated Credit Agreement"), with Keybank National Association ("Key Bank") and the Company and certain direct and indirect subsidiaries of the Company as guarantors. The Letter Agreement and related documents establish a $20 million term loan facility under the First Amended and Restated Credit Agreement with an initial maturity date of August 5, 2026, and a one-year extension option, subject to certain other customary conditions (the "Term Loan"). The terms and conditions of the Term Loan are consistent with the terms and conditions of the Company's prior term loan with KeyBank that was paid in full on March 15, 2024. The Term Loan will bear interest at the same rate as set forth in the First Amended and Restated Credit Agreement for the Company's revolving line of credit facility. In connection with the Term Loan, the Operating Partnership is required to pay a fee equal to 25 basis points on the $20 million principal amount under the Term Loan.

As supplemented by the Letter Agreement, the First Amended and Restated Credit Agreement provides for a $60 million senior secured credit facility (the "Credit Facility"), consisting of (i) a $40 million revolving line of credit facility, with a current maturity date of August 5, 2026, and (ii) the Term Loan.

The Company intends to apply the net proceeds of approximately $19,949,976 to fund its working capital and general corporate needs.

The foregoing descriptions of the Letter Agreement and other related agreements do not purport to be complete and are qualified in their entirety by reference to the full texts of such agreements. A copy of the Letter Agreement is filed hereto as Exhibit 10.1, and is incorporated by reference herein. The First Amended and Restated Credit Agreement, as supplemented by the Letter Agreement contains representations and warranties by each of the parties thereto. These representations and warranties have been made solely for the benefit of the other parties to such agreements and:

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

The information set forth in Item 1.01 of this Current Report on Form 8-K that relates to the creation of a direct financial obligation of the Company is incorporated by reference herein.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.