MANHATTAN BRIDGE CAPITAL, INC

# Manhattan Bridge Capital, Inc.

Founded in 1989, Manhattan Bridge Capital is a real estate finance company that originates, services, and manages a portfolio of first mortgage loans across the United States. The company provides short-term, secured loans to real estate investors funding property acquisition, renovation, rehabilitation, or development projects in both residential and commercial sectors. Loans are backed by real estate collateral and personal guarantees from borrower principals, positioning the company as a non-bank lender operating outside traditional institutional lending channels.

The company's revenue is derived from originating and servicing its mortgage loan portfolio. Manhattan Bridge Capital has elected REIT status, allowing it to distribute taxable income to shareholders without paying corporate-level income tax on distributed earnings, a structure typical for mortgage REITs focused on debt rather than property ownership.

The company operates as a small-scale operation with six full-time employees and maintains headquarters in Great Neck, New York. Its business model relies on a direct lending approach to real estate investors rather than bulk loan purchases or securitizations.