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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>WASHINGTON, DC 20549</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PURSUANT TO SECTION 13 OR 15(d) OF THE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES EXCHANGE ACT OF 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Date of Report (Date of earliest event
reported) July 3, 2012 (July 2, 2012)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN REALTY CAPITAL TRUST, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of Registrant as specified in
its charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>Maryland</B></P></TD>
    <TD STYLE="width: 33%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>001-35439</B></P></TD>
    <TD STYLE="width: 33%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>71-1036989</B></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(State or other jurisdiction of</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">incorporation or organization)</P></TD>
    <TD STYLE="font-size: 10pt; text-align: center">(Commission File Number)</TD>
    <TD STYLE="font-size: 10pt; text-align: center">(I.R.S. Employer Identification No.)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>405 Park Avenue<BR>
New York, New York 10022</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: center">(Address, including zip code, of principal executive offices)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"><B>(212) 415-6500</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: center">Registrant&rsquo;s telephone number, including area code:&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">
&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">
&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">
&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">
&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 1.01 Entry into a Material Definitive Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Amendment to Revolving Credit Agreement</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On July 2, 2012, through American Realty Capital Operating Partnership,
L.P. (the &ldquo;Operating Partnership&rdquo;), American Realty Capital Trust, Inc. (the &ldquo;Company&rdquo;) amended (the &ldquo;Amendment&rdquo;)
its existing revolving credit facility (the &ldquo;Revolving Credit Facility&rdquo;) with RBS Citizens, N.A. and the other lenders
party thereto. The Amendment, among other things, modifies, effective as of June 29, 2012, the calculation of certain financial
covenants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company and certain of the Operating Partnership&rsquo;s
subsidiaries guarantee the obligations under the Revolving Credit Facility and have pledged certain equity interests in the property
owning entities as collateral for the obligations thereunder on a pari passu basis with the obligations under the Company&rsquo;s
Term Loan Agreement (as defined below).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This summary of the material terms of the Amendment is qualified
in its entirety by the Amendment attached as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Item 2.03 is incorporated in its entirety into this Item 1.01.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 2.03&nbsp;Creation of a Direct Financial Obligation
or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Amendment and Restatement of Term Loan Agreement</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On June 2, 2012, through the Operating Partnership, the Company
amended and restated (the &ldquo;Amendment and Restatement&rdquo;) its existing interim term loan agreement (the &ldquo;Interim
Term Loan Agreement&rdquo; and, as amended and restated, the &ldquo;Term Loan Agreement&rdquo;), led by Wells Fargo Bank, National
Association. The Amendment and Restatement increases the total principal amount of the senior secured term loan provided pursuant
to the Term Loan Agreement from $200 million to $235 million and defers the maturity date of the Term Loan Agreement to June 30,
2017. As amended and restated, borrowings under the Term Loan Agreement bear interest at a floating rate based on the Company&rsquo;s
corporate leverage ratio or, at the election of the Company, based on the rating that has been most recently announced by either
S&amp;P or Moody&rsquo;s with respect to long-term senior unsecured debt issued by the Company. As of July 2, 2012, the applicable
interest rate on the Term Loan was LIBOR plus 2.35% (or approximately 2.60%).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In addition to the amendments described above, and among other
things, the Amendment and Restatement provides for an <FONT STYLE="font-family: Times New Roman, Times, Serif">accordion feature
that allows the commitments under the Term Loan Agreement to be increased up to a maximum of $400.0 million under certain conditions
and modifies the calculation of certain financial covenants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Term Loan Agreement provides for monthly interest payments,
with all principal outstanding being due on the maturity date. Borrowings under the Term Loan Agreement may be prepaid from time
to time and at any time, in whole or in part, without premium or penalty, subject to reimbursement of certain costs and expenses.
The Company and certain of the Operating Partnership&rsquo;s subsidiaries guarantee the obligations under the Term Loan Agreement
and have pledged certain equity interests in the property owning entities as collateral for the obligations thereunder on a pari
passu basis with the obligations under the Company&rsquo;s <FONT STYLE="color: black">Revolving Credit Facility</FONT>. In the
event of a default, the lenders have the right to terminate their obligations under the Term Loan Agreement, and to accelerate
the payment on any unpaid principal amount of all outstanding loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Term Loan Agreement requires compliance with certain financial
and operating covenants that the Company believes are customary for facilities and transactions of this type and are similar to
the financial and operating covenants under the Revolving Credit Facility, including, among other things: a maximum corporate leverage
ratio; a minimum corporate fixed charge coverage ratio; minimum tangible net worth; a maximum secured leverage ratio; and a maximum
variable rate debt ratio. In addition, the Term Loan Agreement provides that the Company&rsquo;s distributions may not exceed the
greater of (i) 95.0% of its funds from operations or (ii) the amount required for the Company to qualify and maintain its status
as a real estate investment trust for U.S. federal income tax purposes (&ldquo;REIT&rdquo;). The Company is also restricted from
making distributions to its stockholders in the event the Company is in default under the Term Loan Agreement, except to the extent
necessary for it to maintain its REIT status.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The net proceeds from the Term Loan will be used to repay the
borrowings under the Interim Term Loan Agreement and for general working capital purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This summary of the material terms of the Term Loan Agreement
and related notes guaranties are qualified in their entirety by the Term Loan Agreement and related notes and guaranties attached
as Exhibits 10.2 through 10.9 to this Current Report on Form 8-K and incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A copy of the Company&rsquo;s press release announcing the Term
Loan is attached as Exhibit 99.1 to this Current Report.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 9.01. &nbsp;&nbsp; Financial Statements and Exhibits.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exhibits</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; font-weight: bold">Exhibit No.</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 88%; font-weight: bold">Description</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.1</TD>
    <TD>&nbsp;</TD>
    <TD>Third Amendment to Credit Agreement, dated July 2, 2012, by and among American Realty Capital Operating Partnership, LP, American Realty Capital Trust, Inc., RBS Citizens, N.A., and the lenders party thereto</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.2</TD>
    <TD>&nbsp;</TD>
    <TD>Amended and Restated Term Loan Agreement, dated July 2, 2012, 2012, by and among American Realty Capital Operating Partnership, LP, American Realty Capital Trust, Inc., Wells Fargo Bank, National Association, TD Bank, N.A., Union Bank, N.A., Wells Fargo Securities, LLC and the other lender parties thereto</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.3</TD>
    <TD>&nbsp;</TD>
    <TD>Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of Wells Fargo Bank, National Association</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.4</TD>
    <TD>&nbsp;</TD>
    <TD>Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of MidFirst Bank</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.5</TD>
    <TD>&nbsp;</TD>
    <TD>Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of U.S. Bank National Association</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.6</TD>
    <TD>&nbsp;</TD>
    <TD>Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of TD Bank, N.A.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.7</TD>
    <TD>&nbsp;</TD>
    <TD>Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of Branch Banking &amp; Trust Company</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.8</TD>
    <TD>&nbsp;</TD>
    <TD>Amended and Restated Parent Guaranty Agreement, dated July 2, 2012, between American Realty Capital Trust, Inc. and Wells Fargo Bank, National Association</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.9</TD>
    <TD>&nbsp;</TD>
    <TD>Amended and Restated Subsidiary Guaranty Agreement, dated July 2, 2012, between Wells Fargo Bank, National Association and the subsidiaries of American Realty Capital Operating Partnership, LP party thereto</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>99.1</TD>
    <TD>&nbsp;</TD>
    <TD>Press Release, dated July 2, 2012</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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, thereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">AMERICAN REALTY CAPITAL TRUST, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 52%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 42%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>July 3, 2012</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">/s/ William M. Kahane</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>William M. Kahane</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Chief Executive Officer and President</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



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{"company-data": {"conformed-name": "American Realty Capital Trust, Inc.", "cik": "0001410997", "assigned-sic": "6500", "irs-number": "711036989", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-35439", "film-number": "12941919"}, "business-address": {"street1": "106 OLD YORK ROAD", "city": "JENKINTOWN", "state": "PA", "zip": "19046", "phone": "215.887.2189"}, "mail-address": {"street1": "106 OLD YORK ROAD", "city": "JENKINTOWN", "state": "PA", "zip": "19046"}}
UNITED STATES
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 of Report (Date of earliest event
reported) July 3, 2012 (July 2, 2012)
AMERICAN REALTY CAPITAL TRUST, INC.
(Exact name of Registrant as specified in
its charter)
Maryland
001-35439
71-1036989
(State or other jurisdiction of
incorporation or organization)
(Commission File Number)
(I.R.S. Employer Identification No.)
405 Park Avenue
New York, New York 10022
(Address, including zip code, of principal executive offices)
(212) 415-6500
Registrant's telephone number, including area code:
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:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 1.01 Entry into a Material Definitive Agreement.
Amendment to Revolving Credit Agreement
On July 2, 2012, through American Realty Capital Operating Partnership,
L.P. (the "Operating Partnership"), American Realty Capital Trust, Inc. (the "Company") amended (the "Amendment")
its existing revolving credit facility (the "Revolving Credit Facility") with RBS Citizens, N.A. and the other lenders
party thereto. The Amendment, among other things, modifies, effective as of June 29, 2012, the calculation of certain financial
covenants.
The Company and certain of the Operating Partnership's
subsidiaries guarantee the obligations under the Revolving Credit Facility and have pledged certain equity interests in the property
owning entities as collateral for the obligations thereunder on a pari passu basis with the obligations under the Company's
Term Loan Agreement (as defined below).
This summary of the material terms of the Amendment is qualified
in its entirety by the Amendment attached as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.
Item 2.03 is incorporated in its entirety into this Item 1.01.
Item 2.03 Creation of a Direct Financial Obligation
or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
Amendment and Restatement of Term Loan Agreement
On June 2, 2012, through the Operating Partnership, the Company
amended and restated (the "Amendment and Restatement") its existing interim term loan agreement (the "Interim
Term Loan Agreement" and, as amended and restated, the "Term Loan Agreement"), led by Wells Fargo Bank, National
Association. The Amendment and Restatement increases the total principal amount of the senior secured term loan provided pursuant
to the Term Loan Agreement from $200 million to $235 million and defers the maturity date of the Term Loan Agreement to June 30,
2017. As amended and restated, borrowings under the Term Loan Agreement bear interest at a floating rate based on the Company's
corporate leverage ratio or, at the election of the Company, based on the rating that has been most recently announced by either
S&P or Moody's with respect to long-term senior unsecured debt issued by the Company. As of July 2, 2012, the applicable
interest rate on the Term Loan was LIBOR plus 2.35% (or approximately 2.60%).
In addition to the amendments described above, and among other
things, the Amendment and Restatement provides for an
accordion feature
that allows the commitments under the Term Loan Agreement to be increased up to a maximum of $400.0 million under certain conditions
and modifies the calculation of certain financial covenants.
The Term Loan Agreement provides for monthly interest payments,
with all principal outstanding being due on the maturity date. Borrowings under the Term Loan Agreement may be prepaid from time
to time and at any time, in whole or in part, without premium or penalty, subject to reimbursement of certain costs and expenses.
The Company and certain of the Operating Partnership's subsidiaries guarantee the obligations under the Term Loan Agreement
and have pledged certain equity interests in the property owning entities as collateral for the obligations thereunder on a pari
passu basis with the obligations under the Company's
Revolving Credit Facility
. In the
event of a default, the lenders have the right to terminate their obligations under the Term Loan Agreement, and to accelerate
the payment on any unpaid principal amount of all outstanding loans.
The Term Loan Agreement requires compliance with certain financial
and operating covenants that the Company believes are customary for facilities and transactions of this type and are similar to
the financial and operating covenants under the Revolving Credit Facility, including, among other things: a maximum corporate leverage
ratio; a minimum corporate fixed charge coverage ratio; minimum tangible net worth; a maximum secured leverage ratio; and a maximum
variable rate debt ratio. In addition, the Term Loan Agreement provides that the Company's distributions may not exceed the
greater of (i) 95.0% of its funds from operations or (ii) the amount required for the Company to qualify and maintain its status
as a real estate investment trust for U.S. federal income tax purposes ("REIT"). The Company is also restricted from
making distributions to its stockholders in the event the Company is in default under the Term Loan Agreement, except to the extent
necessary for it to maintain its REIT status.
The net proceeds from the Term Loan will be used to repay the
borrowings under the Interim Term Loan Agreement and for general working capital purposes.
This summary of the material terms of the Term Loan Agreement
and related notes guaranties are qualified in their entirety by the Term Loan Agreement and related notes and guaranties attached
as Exhibits 10.2 through 10.9 to this Current Report on Form 8-K and incorporated herein by reference.
A copy of the Company's press release announcing the Term
Loan is attached as Exhibit 99.1 to this Current Report.
Item 9.01.    Financial Statements and Exhibits.
(d)           Exhibits
Exhibit No.
Description
10.1
Third Amendment to Credit Agreement, dated July 2, 2012, by and among American Realty Capital Operating Partnership, LP, American Realty Capital Trust, Inc., RBS Citizens, N.A., and the lenders party thereto
10.2
Amended and Restated Term Loan Agreement, dated July 2, 2012, 2012, by and among American Realty Capital Operating Partnership, LP, American Realty Capital Trust, Inc., Wells Fargo Bank, National Association, TD Bank, N.A., Union Bank, N.A., Wells Fargo Securities, LLC and the other lender parties thereto
10.3
Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of Wells Fargo Bank, National Association
10.4
Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of MidFirst Bank
10.5
Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of U.S. Bank National Association
10.6
Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of TD Bank, N.A.
10.7
Note, dated July 2, 2012, issued by American Realty Capital Operating Partnership, LP in favor of Branch Banking & Trust Company
10.8
Amended and Restated Parent Guaranty Agreement, dated July 2, 2012, between American Realty Capital Trust, Inc. and Wells Fargo Bank, National Association
10.9
Amended and Restated Subsidiary Guaranty Agreement, dated July 2, 2012, between Wells Fargo Bank, National Association and the subsidiaries of American Realty Capital Operating Partnership, LP party thereto
99.1
Press Release, dated July 2, 2012
SIGNATURES
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, thereunto duly authorized.
AMERICAN REALTY CAPITAL TRUST, INC.
July 3, 2012
By:
/s/ William M. Kahane
Name:
William M. Kahane
Title:
Chief Executive Officer and President