UNITED STATES ~~SECURITIES AND EXCHANGE COMMISSION~~

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT ~~Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934~~

~~Date~~Pursuant ofto ~~report~~Section ~~(Date~~13 ofor ~~earliest event reported~~15(d)~~: October~~ 2,of ~~2025~~the

Securities Exchange Act of 1934

Date of report (Date of earliest event reported): October 21, 2025

Lord Abbett Private Credit Fund

(Exact name of Registrant as Specified in Its Charter)

DELAWARE

814-01764

93-4670837

(State or Other Jurisdiction
of Incorporation)

(Commission
File Number)

(IRS Employer
Identification No.)

30 Hudson Street

Jersey City, New Jersey

07302

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s telephone number, including area code: (888) 522-2388

N/A

(Former Name or Former Address, if Changed Since Last Report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
N/A	N/A	N/A

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 (see General Instruction A.2. below):

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

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

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

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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. ☐

Item 13.0102. ~~Entry~~Unregistered ~~into~~Sales aof ~~Material~~Equity ~~Definitive Agreement~~Securities.

OnAs of October 21, 2025, ~~Lord~~ ~~Abbett PCF Financing LLC (“PCF Financing”), a wholly-owned, special purpose financing subsidiary of~~ Lord ~~Abbett~~ Abbett Private Credit Fund (~~the “Company”)~~"we", ~~entered into~~ the ~~First~~"Company" ~~Amendment~~or (the ~~“First Amendment”~~"Fund") ~~to the Credit Agreement (the “Credit Agreement”)~~, ~~dated~~issued ~~January 23, 2025, by~~ and ~~among~~sold ~~PCF~~approximately ~~Financing~~1, ~~as borrower~~345,224 of the Company~~, as~~’s ~~servicer,~~common ~~Bank~~shares of ~~America,~~beneficial ~~N.A.~~interest (the “~~Bank~~Common ~~of America~~Shares”), asfor ~~administrative~~an ~~agent~~aggregate ~~(in~~offering ~~such~~price ~~capacity~~of ~~“Administrative~~approximately ~~Agent”)~~$33.9 ~~and~~million, ~~sole~~reflecting ~~lead~~a ~~arranger~~purchase ~~and~~price ~~sole~~of ~~book~~$25.23 ~~manager,~~per ~~each~~Common ofShare (with the ~~lenders~~final ~~from~~number ~~time~~of toCommon ~~time~~Shares ~~party~~being ~~thereto,~~determined ~~and~~on ~~State Street~~October ~~Bank and Trust Company~~21, ~~as collateral custodian~~2025). ~~Capitalized terms used and not otherwise defined herein shall have the meanings specified in the Credit Agreement.~~

The offer ~~First~~and ~~Amendment provides~~sale ~~for,~~of ~~among~~Common ~~other~~Shares ~~things,~~was ~~(i)~~made anpursuant ~~extension~~to ofsubscription ~~the~~agreements ~~revolving~~entered ~~period~~into ~~during~~by ~~which~~the ~~PCF~~Company ~~Financing~~and ~~may~~its ~~make~~shareholders. ~~borrowings~~The ~~under~~issuance of the ~~Credit~~Common ~~Agreement~~Shares ~~from~~is ~~January~~exempt ~~23,~~from ~~2028~~the toregistration ~~October~~requirements 2,of ~~2028;~~the ~~(ii)~~Securities anAct ~~extension~~ of ~~the~~1933, ~~scheduled~~as ~~maturity~~amended ~~date~~(the ~~from~~“Securities ~~January 23~~Act”), ~~2030~~provided toby ~~October~~Section ~~2, 2030; and~~ 4(~~iii~~a)(2) aof ~~reduction to~~ the ~~applicable~~Securities ~~margin~~Act ~~from~~and/or aRegulation ~~range~~D ofpromulgated 1thereunder.~~60%~~ toThe ~~2.00%~~Company ~~per annum~~relied, ~~subject~~in topart, aupon representations ~~floor~~from ofthe ~~1.90%~~shareholders ~~per~~in ~~annum,~~the tosubscription aagreements ~~range~~that ofeach ~~1.60%~~shareholder towas ~~1.80%~~an ~~per~~accredited ~~annum,~~investor ~~subject~~as todefined ain ~~floor~~Regulation ofD ~~1.80%~~under the ~~per~~Securities ~~annum~~Act.

~~The~~Item ~~foregoing~~7.01. ~~description of~~Regulation ~~the~~FD ~~First Amendment does not purport to be complete and is qualified in its entirety by reference to the full text of the First Amendment to the Credit Agreement attached hereto as Exhibit 10~~Disclosure.1.

~~Item~~Company's ~~2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.~~Portfolio:

~~The~~As ~~information~~of ~~provided~~September 30, 2025, the Company had made loans to 33 portfolio companies and held one investment in ~~Item~~a joint venture, with an aggregate loan commitment amount of approximately $1,133 million and par value of approximately $903 million.01 The portfolio consists of ~~this~~94% ~~Current~~senior ~~Report~~secured debt investments and 6% investment in a joint venture, based on ~~Form~~par ~~8-K~~value isor ~~incorporated~~in bythe ~~reference~~case ~~into~~of ~~this~~investments ~~Item 2~~in a joint venture, cost.03 As of September 30, 2025, 100% of the debt investments, based on par value, in the Company's portfolio were at floating rates. As of September 30, 2025, 99% of the Company’s total loan commitments were in private senior secured loans. The following table presents information concerning portfolio companies to which the Company has made loans.

Item 9.01. Financial Statements and Exhibits.

Portfolio Company Metrics⁽¹⁾:
Median 12-month EBITDA:	$79 million⁽²⁾
Weighted average net leverage:	4.7x⁽²⁾⁽³⁾
Weighted average loan to value:	42%⁽²⁾⁽⁴⁾
Weighted average interest coverage:	2.2x⁽²⁾⁽⁵⁾
Weighted average yield on debt investments, at cost:	9.7%⁽⁶⁾

~~(d) Exhibits~~___________________

Exhibit No.	Description
10.1	First Amendment, dated October 2, 2025, to Credit Agreement, dated January 23, 2025, by and among the Company, PCF Financing, Bank of America, and State Street Bank and Trust Company, as Collateral Custodian.

(1)

Amounts were derived from the most recently available financial statements provided by portfolio companies which have not been independently verified by us and may reflect a normalized or adjusted amount. Such amounts have not been independently estimated by us, and accordingly, we take no responsibility for such numbers and make no representation or warranty in respect of this information.

~~104~~(2) ~~Cover~~Metrics ~~page~~exclude ~~interactive~~one ~~data~~liquid ~~file~~loan. ~~(formatted~~Metrics also exclude one recurring revenue investment, which are investments in portfolio companies in which the Company lends based on a multiple of recurring revenue generated by the portfolio company and not based on a multiple of EBITDA. Weighted average metrics are calculated as ~~Inline~~a ~~XBRL)~~percentage of funded par value of debt investments.

~~SIGNATURE~~(3) Net leverage is the ratio of total senior debt minus cash divided by EBITDA and taking into account leverage through the tranche to which the Company is a lender.

~~Pursuant~~(4) toCalculated ~~the~~using ~~requirements~~total ofsenior ~~the~~debt ~~Securities~~minus ~~Exchange~~cash ~~Act~~divided ~~of 1934,~~by total enterprise value estimated by the ~~registrant~~private ~~has~~equity ~~duly~~sponsor ~~caused~~or ~~this~~market ~~report~~comparables toand betaking ~~signed~~into onaccount ~~its~~leverage ~~behalf~~through bythe tranche to which the ~~undersigned~~Company ~~hereunto~~is ~~duly~~a ~~authorized~~lender.

		LORD ABBETT PRIVATE CREDIT FUND
Date: October 3, 2025	By:	/s/ Salvatore Dona
	Name:	Salvatore Dona
	Title:	Chief Financial Officer

(5)

Interest coverage for a particular portfolio company is calculated by taking EBITDA and dividing by annualized latest reported interest expense.

~~2025-10-02 DE 0002008748 false 0002008748 2025-10-02 2025-10-02~~ (6) Computed as (a) the annual stated spread, plus reference rate, as applicable, plus the annual accretion of discounts, plus the annual unused fees, as applicable on debt securities divided by (b) total debt investments at cost included in such securities. Actual yields earned over the life of each investment could differ materially from the yields presented herein.

During the period from September 1, 2025, through September 30, 2025, the Company had new investment commitments of approximately $118.5 million.

The table below shows the Company's investment activity during the period September 1, 2025, through September 30, 2025. Amounts shown for commitment amount and par value are as of September 30, 2025:

Issuer	Commitment Amount ($ in millions)		Par Amount ($ in millions)
ICAT Intermediate Holdings LLC		$43.5	$27.6
RJW Logistics Group, Inc		$20.0	$17.1
SolarWinds Holdings, Inc.		$31.0	$31.0
Spotless Brands, LLC		$21.8	$0.0
Uptime Institute		$2.2	$0.1
Total		$118.5	$75.8

Item 8.01. Other Events.

Distribution:

On October 22, 2025, the Company declared a distribution of $0.22 per share to shareholders of record on October 31, 2025 to be payable on November 26, 2025.

Net Asset Value

As of September 30, 2025, the Company’s aggregate net asset value (“NAV”) was approximately $419 million. The NAV per share of Common Shares as of September 30, 2025, as determined in accordance with the Company’s valuation policy, was $25.23 per Common Share.

Final results related to all of the above information and other information may differ materially as a result of the completion of the Company’s financial closing procedures, which will occur between the date hereof and the completion of the financial statements and the filing of the Company’s quarterly report on Form 10-Q for the quarter ending September 30, 2025.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

LORD ABBETT PRIVATE CREDIT FUND

Date: October 27, 2025

/s/ Salvatore Dona

Salvatore Dona

Chief Financial Officer

Filing Compare · Lord Abbett Private Credit Fund