Manhattan Bridge Capital
Manhattan Bridge Capital is a publicly traded hard money lender (NASDAQ: LOAN) that provides short-term, first-mortgage-secured loans to professional real estate investors for fix-and-flip, small construction, and bridge financing across the NY metro area, Florida, New Jersey, and Connecticut.
- Company typePublic
- Founded1989
- HeadquartersGreat Neck, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Manhattan Bridge Capital does
Manhattan Bridge Capital, Inc. (NASDAQ: LOAN) is a publicly traded hard money lender founded in 1989 by Assaf Ran and headquartered in Great Neck, New York. The company originates, services, and manages short-term, first-mortgage-secured loans to professional real estate investors across three product lines: fix-and-flip financing, small new construction loans for one-to-three family homes, and bridge loans for small income-producing properties. Loan tickets typically range from $100,000 to $2,000,000 with terms under one year, interest-only monthly payments, and balloon payment at maturity, all secured by first-mortgage-position real estate collateral accompanied by personal guarantees from borrower principals. The company lends up to 65% of appraised property value and claims a 3-10 business day closing cycle.
The firm operates a conservative, low-leverage underwriting model. Geographic focus is the New York metropolitan area (all five NYC boroughs, Long Island, Hudson Valley, and Westchester) plus Florida, New Jersey, and Connecticut, supported by four physical offices. Distribution is primarily direct-to-borrower via the company website, phone, email, social media, and in-person consultations, with no intermediary brokers. Revenue is generated principally through interest income on the loan portfolio, supplemented by origination fees at closing. Capital is sourced from a combination of equity (multiple post-IPO public offerings between 2015 and 2021), a $14 million revolving line of credit with Webster Business Credit Corporation, and prior $6 million senior secured notes issued through subsidiary MBC Funding II Corp.
The company operates through two wholly-owned subsidiaries: DAG Funding Solutions, Inc. (formed 2007) for short-term secured commercial lending to small businesses, and MBC Funding II Corp. (formed 2016) for senior secured note issuance. The workforce is small (1-10 employees) and founder-led, with Assaf Ran serving continuously as Chairman and CEO. Full-year 2025 revenue was approximately $8.67 million (down 10.6% from 2024), net income was $5.11 million, EPS was $0.45, and the company carried a $52.58 million market capitalization with a 9.6-9.9% dividend yield and a 91.7% payout ratio.
Manhattan Bridge Capital firmographics
Firmographics- Name
- Manhattan Bridge Capital
- Legal name
- Manhattan Bridge Capital Inc.
- Website
- https://manhattanbridgecapital.com
- Company type
- Public
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Manhattan Bridge Capital is a publicly traded hard money lender (NASDAQ: LOAN) that provides short-term, first-mortgage-secured loans to professional real estate investors for fix-and-flip, small construction, and bridge financing across the NY metro area, Florida, New Jersey, and Connecticut.
- Ownership category
- akta.pro rank
Manhattan Bridge Capital industry classification
Industry- Product category
- Hard Money Lending
- NAICS
- Real Estate Credit (522292), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industries
- CRE Bridge & Transitional Lending (FSALADAC), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Bridge Loans & Emergency Short-Term Credit (FSAKAMAJ)
Keywords
Where Manhattan Bridge Capital is headquartered
LocationHeadquarters
- HQ city
- Great Neck
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Manhattan Bridge Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: The primary revenue stream is interest income from short-term secured loans to real estate investors. Loans are typically one-year terms with monthly interest-only payments and balloon payment at maturity.
- Origination Fees: The company charges origination fees on loans at closing, generating upfront revenue for each loan originated.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Standard hard money loan range |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Manhattan Bridge Capital product offering
Product offeringCore offering
Manhattan Bridge Capital is a publicly traded hard money lender that originates, services, and manages short-term, secured first-mortgage loans to professional real estate investors. Loans typically range from $100,000 to $2,000,000, mature in less than one year, are interest-only monthly with a balloon payment at maturity, and are collateralized by real estate at up to 65% of appraised value with personal guarantees from borrower principals. The company serves the New York metropolitan area, New Jersey, Connecticut, and Florida with a stated ability to close in 3-10 business days.
Product overview
Manhattan Bridge Capital offers a unified hard money lending platform serving professional real estate investors. The company provides three core loan products: Fix and Flip Loans for purchasing and renovating properties for quick resale, Small Construction Loans for new one-to-three family home projects, and Bridge Loans for acquiring small income-producing properties. All loans are short-term (typically under one year), range from $100,000 to $2,000,000, carry interest-only monthly payments with a balloon payment at maturity, and require first mortgage position and personal guarantees. The company operates as a mortgage REIT and serves the New York metropolitan area (including all five NYC boroughs, Long Island, Hudson Valley, and Westchester), New Jersey, Connecticut, and Florida, with a stated ability to close deals in 3-10 business days.
Differentiator
Problem solved
Functional benefit
Products and services
- Fix and Flip Loans
Quantifiable outcome
- Never had a loan default
- +2 more outcomes
Companies that use Manhattan Bridge Capital
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Manhattan Bridge Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Manhattan Bridge Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- GreenHills Ventures Wealth Management, LLCminorStrategic alliance formed in 2008 where the companies agreed to share deal flow, create joint investment opportunities, and collaborate on business development initiatives in the hard money lending space.
Scale indicators11 records
Recent moves10 records
Expansion highlights5 records
Manhattan Bridge Capital competitors and assessment
Company assessmentDirect peers
- Lima One Capital: Specializes in fix-and-flip, new construction, and rental portfolio loans to real estate investors. Directly competes with Manhattan Bridge Capital's core product offerings (fix and flip, small construction, bridge loans) and shares the same SMB investor customer base.
- RCN Capital: National hard money lender providing short-term rental, fix-and-flip, and bridge loans. Closely matches Manhattan Bridge Capital's product portfolio and target customer of professional real estate investors, with a broader multi-state footprint.
- CoreVest Finance: Real estate lender specializing in fix-and-flip, bridge, and rental portfolio financing for residential investors. Directly competes with Manhattan Bridge Capital in the short-term secured lending space with comparable loan sizes and underwriting discipline.
- Kiavi (formerly LendingHome): Tech-enabled lender offering bridge and fix-and-flip loans to real estate investors. Comparable to Manhattan Bridge Capital as a non-bank lender in the same short-term real estate investor financing market with overlapping product offerings.
- Patch of Land: Real estate lending marketplace focused on short-term bridge and fix-and-flip loans for investors. Competes with Manhattan Bridge Capital in the same asset class and customer segment, though with a different tech-enabled origination model.
- LendingHome: Online hard money lender focused on fix-and-flip and bridge loans for real estate investors. Directly competes with Manhattan Bridge Capital in the same short-term, secured real estate lending niche, with a similar product set but broader geographic footprint.
Emerging players
- B2R Finance (now AffiniPay Lending): Lends to residential rental property investors — a direct adjacency to Manhattan Bridge Capital's bridge loan product for small income-producing properties. Targets a similar end-borrower profile with rental-focused bridge financing.
Broad incumbents
- Newtek Business Services: Publicly traded business development company with a small business lending arm that includes short-term and bridge financing products. Comparable to Manhattan Bridge Capital in the broad SMB lending space, though Newtek operates at much larger scale and across multiple credit products.
- Angel Oak Mortgage Solutions: Non-QM and residential transition lender that includes fix-and-flip and bridge products. Operates in adjacent lending segments with overlap on investor-borrower products, though broader in scope than Manhattan Bridge Capital's hard money lending focus.
Others
- Yieldstreet: Alternative investment platform that has offered real estate debt products including bridge loans. Adjacent to Manhattan Bridge Capital as a capital provider in the real estate debt space, though operates as a platform/marketplace rather than a direct balance-sheet lender.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Manhattan Bridge Capital social profiles
Digital presenceManhattan Bridge Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Manhattan Bridge Capital leadership team
Management profileNumber of profiles
Profiles2 records
Manhattan Bridge Capital subsidiaries and ownership
Company hierarchySubsidiaries2 records
Manhattan Bridge Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Manhattan Bridge Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Manhattan Bridge Capital
What does Manhattan Bridge Capital do?
Manhattan Bridge Capital is a publicly traded hard money lender that originates, services, and manages short-term, secured first-mortgage loans to professional real estate investors. Loans typically range from $100,000 to $2,000,000, mature in less than one year, are interest-only monthly with a balloon payment at maturity, and are collateralized by real estate at up to 65% of appraised value with personal guarantees from borrower principals. The company serves the New York metropolitan area, New Jersey, Connecticut, and Florida with a stated ability to close in 3-10 business days.
Is Manhattan Bridge Capital a public or private company?
Manhattan Bridge Capital is a public company. It is classified as public and is currently operating.
When was Manhattan Bridge Capital founded?
Manhattan Bridge Capital was founded in 1989. It employs 1 to 10 people.
Where is Manhattan Bridge Capital based?
Manhattan Bridge Capital is headquartered in Great Neck, United States, in the North America region.
How does Manhattan Bridge Capital make money?
Two revenue lines are on record. Interest Income is the primary driver. The others are origination Fees.
Who are Manhattan Bridge Capital's main competitors?
Direct peers on record are Lima One Capital, RCN Capital, CoreVest Finance, Kiavi (formerly LendingHome), Patch of Land and LendingHome. B2R Finance (now AffiniPay Lending) is listed as an emerging player. Broad incumbents are Newtek Business Services and Angel Oak Mortgage Solutions. Yieldstreet is listed as an others.
Does Manhattan Bridge Capital have an API?
No public API is recorded for Manhattan Bridge Capital.
What industry is Manhattan Bridge Capital in?
Manhattan Bridge Capital's product category is Hard Money Lending. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSALADAC, CRE Bridge & Transitional Lending. Its NAICS code is 522292 and its SIC code is 6162.