Here are the 10-K annual reports from Manhattan Bridge Capital, Inc (LOAN) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow LOAN and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full LOAN filings page.
Manhattan Bridge Capital is a New York-based real estate finance company and REIT focused on short-term, first-mortgage "hard money" loans to small real estate investors in the New York metropolitan area, New Jersey, Connecticut and Florida. It targets acquisition, renovation and construction projects, usually lending up to 75% of property value or 80% of construction costs.
For 2025, the company originated $35.3 million of loans and had $60.7 million of interest-earning loans across 88 positions, with a weighted average contractual rate of 11.12%. Mortgage lending revenues were $8.7 million, with most loans secured by residential properties and 93% in the New York metro region. Capitalization included $17.6 million drawn on bank credit lines and $43.1 million of equity.
As a REIT, Manhattan Bridge Capital must distribute at least 90% of its taxable income and enforces a 4.0% ownership limit (excluding its CEO) to help preserve REIT status. Key risks include funding availability, interest-rate sensitivity, geographic and borrower concentration, leverage covenants, credit losses, cybersecurity, and maintaining exemptions from the Investment Company Act.