Manhattan Bridge Capital Inc

manhattanbridgecapital.com

What Do They Do?

Lends short-term, first-mortgage loans to real estate investors acquiring, renovating, or developing residential and commercial properties.

How Do They Make Money?

Borrowers pay interest monthly during the loan term, and the company also collects origination fees when loans are made or extended. Origination fees are spread across the term of the loan.

FY2025 revenue

Who Are Their Customers?

Lends directly to real estate investors and small developers, often finding borrowers through repeat-customer referrals and leads from real estate and mortgage brokers.

Do Revenues Turn Into Profits?

Yes. It kept 59 cents of every revenue dollar as net income in FY2025 and turned 57 cents into free cash flow.

Operating income, FY2025

59% of revenue

▼ −9% vs FY2024 ($5.6M, 58%)

Net income, FY2025

59% of revenue

▼ −9% vs FY2024 ($5.6M, 58%)

Free cash flow, FY2025

57% of revenue

▲ 0% vs FY2024 ($4.9M, 51%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q3 FY2026, the three months to Sep 30, 2026

Revenue: ▲ +1%; vs $2M in Q3 FY2025
Net income: ▲ +3%; vs $1.2M in Q3 FY2025

Growing. Revenue grew 27% in 4 years, from $6.8M in FY2021 to $8.7M in FY2025, about 6% a year.

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