Mission Statement, Vision, & Core Values of Manhattan Bridge Capital, Inc. (LOAN)

The stated Mission Statement, Vision, and Core Values of Manhattan Bridge Capital, Inc. are the foundational blueprint for a business that, as of the first nine months of 2025, generated approximately $6,665,000 in total revenue and reported net income of $3,988,000. But do the values of 'reliability' and 'disciplined risk management' defintely align with the market's recent reaction, considering the stock price dropped by 18.9% from the start of the year to November 2025? When you look at a balance sheet showing over $43,326,000 in shareholders' equity as of March 2025, you have to ask: are their core principles strong enough to navigate the real estate market's current uncertainty, or is their niche focus on short-term, secured loans a near-term liability? We need to see how their strategic intent maps to actual performance and risk.

Manhattan Bridge Capital, Inc. (LOAN) Overview

Manhattan Bridge Capital, Inc. is a seasoned real estate finance company, operating as a Real Estate Investment Trust (REIT), that specializes in originating, servicing, and managing a portfolio of first mortgage loans for professional real estate investors. Founded in 1989, the company carved out a profitable niche by providing quick, secured, non-banking capital solutions, primarily in the New York metropolitan area and Florida. For the trailing twelve months ending September 30, 2025, the company's total revenue stood at approximately $9.02 million.

The core business is what's known as hard money lending, which is simply fast, short-term financing secured by real estate collateral. This is defintely not your typical bank loan. Their product line is focused on solving immediate capital needs for investors, which includes:

• Fix and flip loans for property acquisition and renovation.
• Bridge loans to purchase small income-producing properties.
• Financing for small, new construction projects.

These loans are typically secured by a first mortgage lien on the property and are further backed by personal guarantees from the borrowers' principals, which is a key part of their risk-mitigation strategy.

Financial Performance: Navigating 2025's Real Estate Headwinds

The company's financial performance through the first nine months of 2025 reflects the challenging commercial real estate market, but still shows impressive profitability. For the nine months ended September 30, 2025, Manhattan Bridge Capital, Inc. reported total revenues of approximately $6,665,000, with a corresponding net income of about $3,988,000.

Here's the quick math on the revenue breakdown: interest income on secured commercial loans, their main product sales, accounted for approximately $5,504,000 of that revenue. The remaining approximately $1,161,000 came from origination fees on those loans. To be fair, total revenue for the nine-month period decreased by 9.1% year-over-year, largely because of lower interest income resulting from a reduction in loans receivable and a slowdown in new loan originations. Still, the underlying business is strong.

What this estimate hides is the company's exceptional efficiency; their net margin is a staggering 74.01%, indicating strong profitability in their niche. Plus, the total stockholders' equity stood firm at approximately $43,317,000 as of September 30, 2025, reflecting a solid capital position. That's a testament to their conservative approach to leverage and risk management.

A Niche Leader in Commercial Real Estate Finance

Manhattan Bridge Capital, Inc. stands out in the crowded REIT sector by focusing intensely on its niche: providing fast, flexible capital to experienced real estate developers. They aren't trying to be a national bank; they focus on the New York metropolitan area and Florida, where their deep market knowledge gives them a real edge.

Their value proposition is speed. Professional real estate investors often need to close deals quickly-sometimes in cash-and the company fills this gap by offering financing in just 3-10 business days. This commitment to efficiency and stringent risk mitigation, including first lien positions and personal guarantees, positions them as a trusted partner. Their market capitalization is modest at approximately $50.7 million, but their specialized focus and high profitability make them a powerful player in the hard money lending space.

If you want to understand how a company can maintain such a high net margin while navigating a complex real estate environment, you need to dig into the details. Find out more below to understand why Manhattan Bridge Capital, Inc. is successful: Breaking Down Manhattan Bridge Capital, Inc. (LOAN) Financial Health: Key Insights for Investors

Manhattan Bridge Capital, Inc. (LOAN) Mission Statement

You need a clear anchor point to understand a company's direction, especially in the volatile real estate finance sector. For Manhattan Bridge Capital, Inc. (LOAN), their mission statement, while not a marketing slogan, is a precise, action-oriented primary business objective: to grow the loan portfolio while protecting and preserving capital to provide attractive risk-adjusted returns to shareholders over the long term through dividends. That's the whole ball game.

This mission is the bedrock for all strategic decisions, guiding their focus on short-term, secured, non-banking loans (often called hard money loans) for real estate investors in the resilient New York metropolitan area and Florida markets. The company's financial performance in 2025, even with market headwinds, shows this commitment in action. For instance, despite a revenue decrease, the company maintained a strong financial footing, with total stockholders' equity increasing to approximately $43.4 million as of June 30, 2025.

This objective breaks down into three core components-Capital Preservation, Local Expertise, and Shareholder Returns-that dictate their day-to-day underwriting and lending practices. It's defintely a model built on realism, not chasing every deal.

Core Component 1: Protecting and Preserving Capital

The first and most critical component of the mission is capital preservation. For a specialty finance company, this means a disciplined credit and due diligence culture that prioritizes security above all else. They aren't looking to take unnecessary risks for a marginal bump in yield.

This conservative approach is best illustrated by their balance sheet and loan performance. The company's debt-to-equity ratio is low, sitting at approximately 0.35 as of November 2025, which is a very conservative figure in the lending space. This low leverage shields the company from the kind of interest rate shock that hits more aggressive lenders. Plus, their net margin remains exceptionally strong at approximately 74.01%, showing that the loans they do originate are highly profitable after expenses.

• Maintain low leverage to weather market shifts.
• Focus on first mortgage liens for maximum security.
• Implement rigorous due diligence to minimize losses.

The strength of their underwriting is evident in their loan portfolio quality, which has been highlighted by a higher-than-average payoff rate during the third quarter of 2025, even as the real estate market slowed. This is the real-world proof of a disciplined practice.

Core Component 2: Specialized Local Expertise and Agility

The second pillar is their focus on a niche market, which gives them a competitive edge over larger, slower institutions. Manhattan Bridge Capital, Inc. specializes in short-term loans, typically with a maximum initial term of 12 months, secured by properties in the New York metropolitan area and Florida.

Their intimate knowledge of the New York real estate market allows for better risk assessment and quicker loan decisions-they can approve and fund loans faster than traditional banks. This agility is a core value, enabling them to serve real estate investors who need capital quickly for acquisition or renovation. Their flexibility means they can structure loans to meet borrower needs without compromising their own credit standards. This local focus is key to understanding the collateral's true value, especially when a property is mid-renovation.

For a deeper dive into who is investing in this focused model, you should check out Exploring Manhattan Bridge Capital, Inc. (LOAN) Investor Profile: Who's Buying and Why?

Core Component 3: Attractive Risk-Adjusted Returns to Shareholders

The final component ties the entire operation back to the investor: delivering attractive risk-adjusted returns, primarily through dividends. Operating as a Real Estate Investment Trust (REIT), the company is structured to distribute a significant portion of its taxable income to shareholders.

While the company faced revenue pressure in 2025 due to a slowdown in new loan originations, the commitment to returns remains. For the nine months ended September 30, 2025, net income was approximately $3,988,000. This profitability is the source of their substantial dividend yield, which was approximately 9.4% as of November 2025. To be fair, maintaining this dividend level is a constant challenge, especially with Q3 2025 net income dropping to approximately $1,202,000, a 14.1% decrease year-over-year.

Here's the quick math: the consistent focus on high-quality, secured loans, even in a slower market, is what allows them to generate the earnings necessary to support that yield. The goal isn't the highest possible return, but the risk-adjusted one, meaning they aim for reliable income with minimal capital loss. That's a critical distinction for long-term investors.

Manhattan Bridge Capital, Inc. (LOAN) Vision Statement

You're looking past the quarterly earnings reports and into the firm's DNA-the mission, vision, and core values-to gauge long-term stability, and that's defintely the right move. Manhattan Bridge Capital, Inc. (LOAN) operates as a specialized real estate finance company, and its strategic compass is clear: to dominate the niche market of short-term, secured lending while delivering consistent shareholder returns. This isn't a high-growth tech story; it's a disciplined capital preservation play.

The company's vision, synthesized from its operational focus and public statements, centers on being the most trusted and efficient provider of non-banking, first-mortgage loans in its core markets, primarily the New York metropolitan area and Florida. This vision rests on three pillars: disciplined underwriting, a commitment to transparency, and a focus on high-quality real estate collateral.

Pillar 1: Disciplined Underwriting and Capital Preservation

The first component of the vision is a relentless focus on disciplined underwriting, which is the process of evaluating and assuming risk. For a hard money lender (a non-banking institution offering short-term, asset-backed loans), this isn't just a buzzword; it's the business model. Manhattan Bridge Capital's core purpose is to be a leading provider of reliable and efficient short-term financing solutions for small to middle-market real estate projects.

This discipline is evident in their lending policy, which limits the maximum loan amount to the lower of 9.9% of the aggregate loan portfolio or $4 million. This cap is a clear risk-mitigation strategy. The loans are typically secured by first-mortgage liens on real estate and are accompanied by personal guarantees from the borrowers' principals. The loans are short-term, usually for a maximum initial term of 12 months, with interest rates generally between 9% to 13%.

• Maintain strict loan-to-value ratios.
• Focus on first-mortgage liens only.
• Prioritize capital preservation over volume.

Here's the quick math: the company's total stockholders' equity stood at approximately $43,317,000 as of September 30, 2025. Maintaining a high-quality, low-default loan portfolio is how you protect that equity, especially when you consider that a significant portion-95.80% as of late 2024-is concentrated in the New York metropolitan area. You need to know that market cold. You can dive deeper into who is betting on this strategy at Exploring Manhattan Bridge Capital, Inc. (LOAN) Investor Profile: Who's Buying and Why?

Pillar 2: Integrity and Transparency in Real Estate Lending

The core values of Manhattan Bridge Capital emphasize reliability, transparency, and a commitment to fostering lasting relationships within the real estate sector. In the hard money space, where speed and flexibility are paramount, integrity is the ultimate differentiator. The firm aims to operate with integrity and deliver value to its shareholders through strategic lending practices.

Transparency is crucial for both borrowers and investors. For borrowers, it means clear terms on their short-term, secured, non-banking loans. For investors, it means clear financial reporting. For the nine months ended September 30, 2025, the company reported total revenues of approximately $6,665,000. This revenue, down 9.1% from the prior year due to a reduction in loans receivable and a slowdown in new originations, reflects the current challenging real estate market, but the transparency in reporting this slowdown is key. It shows realism.

Pillar 3: Consistent Value Creation for Shareholders

The ultimate goal of the vision is to create value for shareholders. For a real estate investment trust (REIT) like Manhattan Bridge Capital, this is primarily achieved through a consistent dividend payout and capital appreciation driven by a strong balance sheet. The net income for the three months ended September 30, 2025, was approximately $1,202,000.

This consistent profitability, even with reduced revenue, is the engine of shareholder value. The company's strategy of leveraging its expertise and market knowledge to meet borrower needs without compromising credit standards is what drives this financial outcome. The focus is on the quality of the loan, not just the quantity. That's how you generate reliable returns in a cyclical business like real estate finance.

Manhattan Bridge Capital, Inc. (LOAN) Core Values

You're looking for the bedrock principles that drive a lender like Manhattan Bridge Capital, Inc. (LOAN), especially in a choppy real estate market. The core values aren't just posters on a wall; they are the actions that shape their loan portfolio and, ultimately, your investment return. For LOAN, these values map directly to a strategy of stability, risk control, and a clear commitment to shareholder returns.

The company's focus is on originating short-term secured, non-banking loans (often called 'hard money' loans) to real estate investors in the New York metropolitan area and Florida. This niche requires a specific, disciplined set of values to manage the inherent risk, and their recent 2025 actions defintely reflect this.

Disciplined Capital Preservation

This value is the foundation of their business model. For a hard money lender, managing credit risk is everything, and LOAN's commitment is to protecting the principal first. They achieve this through a disciplined underwriting process that centers on collateral value and borrower creditworthiness.

Their loans are almost always secured by a first-lien security interest on the real estate, plus a personal guarantee from the borrower's principals. This two-pronged approach is their firewall. For the nine months ended September 30, 2025, the company reported total revenues of approximately $6,665,000, which includes about $1,161,000 from origination fees, showing they are still actively deploying capital but with a focus on high-quality, secured assets. The proof is in the structure: they aim for conservative loan-to-value ratios and active portfolio monitoring.

• Secure loans with first-lien interests.
• Require personal guarantees from principals.
• Maintain conservative loan-to-value ratios.

Unwavering Shareholder Focus

As a Real Estate Investment Trust (REIT), Manhattan Bridge Capital, Inc.'s stated primary objective is to provide attractive risk-adjusted returns to shareholders over the long term through dividends. That's the core of their promise to you. The company's annualized dividend is currently $0.46 per share, representing a significant yield, which they have maintained for 13 consecutive years.

In November 2025, the Board authorized a common stock repurchase plan for up to 100,000 common shares over the next twelve months. CEO Assaf Ran explicitly stated this buyback was to capitalize on the recent stock price decline, reflecting management's belief that the stock is undervalued. This action shows a direct commitment to using capital to support shareholder value when the market creates an opportunity. Here's the quick math: with a market capitalization around $50.04 million as of November 2025, a buyback signals that management sees better returns in their own equity than in other near-term investments.

Committed Management Confidence

You want to see management put their money where their mouth is, and LOAN's leadership is doing just that. This value is demonstrated by their 'extraordinary low leverage' and the personal commitment of their management team. Their total debt was approximately $15,185,000 (TTM as of September 30, 2025) against total assets of approximately $59,989,000, which is a sign of that low leverage.

In November 2025, both CEO Assaf Ran and a Director, Lyron Bentovim, made insider purchases of common stock. Specifically, the CEO purchased 4,000 shares for $18,600 on November 17, 2025, and the Director purchased 1,757 shares on November 19, 2025. This insider buying, right after the company reported net income of approximately $3,988,000 for the first nine months of 2025, provides a concrete, non-abstract signal of confidence in their business model despite a slowdown in new loan originations.

For a deeper dive into the numbers behind these values, you should read Breaking Down Manhattan Bridge Capital, Inc. (LOAN) Financial Health: Key Insights for Investors.