MANHATTAN BRIDGE CAPITAL, INC
For the period ended Dec 31, 2025. Filed Mar 27, 2026.
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FY2025 · Filed Mar 27, 2026
LOAN$3.37+0.9%Stored close · as of Nov 10, 2026
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Item 15. Exhibits and Financial Statement Schedules
(a) 1. Financial Statements**-** See Index to Financial Statements on page F-1.
Financial Statement Schedules**–**See (c) below.
Exhibits**–**See (b) below.
| Exhibit No. | Description |
| 3.1 | Restated Certificate of Incorporation filed with the Secretary of State of New York in July 2014 (1) |
| 3.2 | Amended and Restated Bylaws effective in May 2014 (1) |
| 4.1 | Specimen Stock Certificate (2) |
| 4.2 | Description of Securities (10) |
| 10.1** | Employment Agreement dated March 1, 1999 by and between Assaf Ran and the Company (3) |
| 10.2** | 2009 Stock Option Plan, as amended (5) |
| 10.3 | Lease, dated June 9, 2011, between the Company and Philips Cutter Mill Owner LLC for the premises located at 60 Cutter Mill Road, Great Neck, New York 11021 (***) |
| 10.4 | Amendment of Lease, dated July 21, 2016, between the Company and Philips Cutter Mill Owner LLC for the premises located at 60 Cutter Mill Road, Great Neck, New York 11021 (4) |
| 10.5** | Restricted Share Agreement, dated September 9, 2011, between the Company and Assaf Ran (10) |
| 10.6 | Amended and Restated Revolving Credit Note, dated July 7, 2017, executed by Manhattan Bridge Capital, Inc (6) |
| 10.7 | Amended and Restated Credit and Security Agreement, effective August 8, 2017, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), and Flushing Bank (7) |
| 10.8 | Waiver and Amendment No. 1 to Amended and Restated Credit and Security Agreement, effective July 11, 2018, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank and Assaf Ran (9) |
| 10.9 | Second Amended and Restated Revolving Credit Note, dated February 24, 2026, issued by the Company in favor of Webster Bank, National Association (19) |
| 10.10 | Amendment No. 2 to Amended and Restated Credit and Security Agreement, effective December 31, 2019, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank and Assaf Ran (10) |
| 10.11 | Amendment No. 3 to Amended and Restated Credit and Security Agreement, effective February 26, 2020, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank, Mizrahi and Assaf Ran (10) |
| 10.12 | Waiver Agreement, effective March 7, 2022, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank, Mizrahi and Assaf Ran (Amendment No. 4 to Amended and Restated Credit and Security Agreement) (***) |
| 10.13 | Amendment No. 5 to Amended and Restated Credit and Security Agreement, effective April 13, 2022, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank, Mizrahi and Assaf Ran (11) |
| 10.14 | Amendment No. 6 to Amended and Restated Credit and Security Agreement, effective January 2, 2023, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank, Mizrahi and Assaf Ran (12) |
| Exhibit No. | Description |
| 10.15 | Amendment No. 7 to Amended and Restated Credit and Security Agreement, effective March 31, 2024, among Manhattan Bridge Capital, Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank, Mizrahi and Assaf Ran (15) |
| 10.16 | Revolving Credit Note dated February 25, 2020, between Manhattan Bridge Capital, Inc. and Mizrahi (10) |
| 10.17 | Amendment No. 8 to Amended and Restated Credit and Security Agreement, dated December 12, 2025, among Manhattan Bridge Capital, Inc., Webster Bank, National Association, Flushing Bank, Mizrahi and Assaf Ran (18) |
| 10.18 | Amendment No. 9 to Amended and Restated Credit and Security Agreement, dated February 24, 2026, among the Company, the Guarantors party thereto, the Lenders party thereto, and Webster Bank, National Association as lender and agent (19) |
| 10.19 | Amendment No. 10 to Amended and Restated Credit and Security Agreement, dated March 24, 2026, among the Company, the Guarantors party thereto, the Lenders party thereto, and Webster Bank, National Association as lender and agent (***) |
| 10.20 | Consent and Amendment Letter Agreement by and among Manhattan Bridge Capital Inc., Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank and Mizrahi Tefahot Bank Ltd., dated July 2, 2021 (13) |
| 10.21 | Waiver Agreement by and among Manhattan Bridge Capital Inc., and Webster Bank, N.A. (as successor to Webster Business Credit Corporation), Flushing Bank and Mizrahi Tefahot Bank Ltd, a division of Webster Bank, N.A., dated March 7, 2022 (14) |
| 10.22 | Letter Agreement, dated December 12, 2025, among MBC Funding II Corp., Manhattan Bridge Capital, Inc., Assaf Ran and Valley National Bank. (18) |
| 10.23 | Line of Credit Note, dated December 12, 2025, made by MBC Funding II Corp. in favor of Valley National Bank (18) |
| 10.24 | Security Agreement, dated December 12, 2025, between MBC Funding II Corp. and Valley National Bank (18) |
| 10.25 | Guaranty, dated December 12, 2025, made by Manhattan Bridge Capital, Inc. in favor of Valley National Bank (18) |
| Limited Guaranty, dated December 12, 2025, made by Assaf Ran in favor of Valley National Bank (18) | |
| 10.26 | Amendment to the Loan Documents, dated February 24, 2026, between MBC Funding II Corp., Manhattan Bridge Capital, Inc, and Valley National Bank (***) |
| 19.1 | Insider Trading Policy (17) |
| 21.1 | List of Subsidiaries (8) |
| 23.1 | Consent of Hoberman & Lesser CPA’s, LLP, dated March 27, 2026 (***) |
| 31.1 | Chief Executive Officer Certification under Rule 13a-14 (***) |
| 31.2 | Chief Financial Officer Certification under Rule 13a-14 (***) |
| 32.1 | Chief Executive Officer Certification pursuant to 18 U.S.C. section 1350 (*) |
| 32.2 | Chief Financial Officer Certification pursuant to 18 U.S.C. section 1350 (*) |
| 97.1 | Clawback policy (16) |
| 101.INS | XBRL Instance Document |
| 101.CAL | XBRL Taxonomy Extension Schema Document |
| 101.SCH | XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.LAB | XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | XBRL Taxonomy Extension Presentation Linkbase Document |
| 101.DEF | XBRL Taxonomy Extension Definition Linkbase Document |
| 104 | Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101). |
- Furnished herewith.
** Compensation plan or arrangement for current or former executive officers and directors.
*** Filed herewith.
| (1) | Previously filed as exhibit to Quarterly Report on Form 10-Q for the quarter ended June 30, 2014 and incorporated herein by reference. |
| (2) | Previously filed as exhibit to Registration Statement on Form SB-2/A filed on April 23, 1999 and incorporated herein by reference. |
| (3) | Previously filed as exhibit to Registration Statement on Form SB-2 filed on March 10, 1999 and incorporated herein by reference. |
| (4) | Previously filed as exhibit to Quarterly Report on Form 10-Q for the quarter ended June 30, 2016 and incorporated herein by reference. |
| (5) | Previously filed as Appendix A to Schedule 14A filed on August 5, 2011 and incorporated herein by reference. |
| (6) | Previously filed as exhibit to Current Report on Form 8-K filed on July 13, 2017 and incorporated herein by reference. |
| (7) | Previously filed as exhibit to Quarterly Report on Form 10-Q for the quarter ended September 30, 2017 and incorporated herein by reference. |
| (8) | Previously filed as exhibit to Annual Report on Form 10-K for the fiscal year ended December 31, 2016 and incorporated by reference herein. |
| (9) | Previously filed as exhibit to Quarterly Report on Form 10-Q for the quarter ended June 30, 2018 and incorporated herein by reference. |
| (10) | Previously filed as exhibit to Annual Report on Form 10-K for the fiscal year ended December 31, 2022 and incorporated by reference herein. |
| (11) | Previously filed as exhibit to Current Report on Form 8-K filed on April 25, 2022 and incorporated herein by reference. |
| (12) | Previously filed as exhibit to Current Report on Form 8-K filed on February 3, 2023 and incorporated herein by reference. |
| (13) | Previously filed as exhibit to Quarterly Report on Form 10-Q for the quarter ended June 30, 2021 and incorporated herein by reference. |
| (14) | Previously filed as exhibit to Annual Report on Form 10-K for the fiscal year ended December 31, 2022 and incorporated by reference herein. |
| (15) | Previously filed as exhibit to Quarterly Report on Form 10-Q for the quarter ended March 31, 2024 and incorporated herein by reference. |
| (16) | Previously filed as exhibit to Annual Report on Form 10-K for the fiscal year ended December 31, 2023 and incorporated by reference herein. |
| (17) | Previously filed as exhibit to Annual Report on Form 10-K for the fiscal year ended December 31, 2024 and incorporated by reference herein. |
| (18) | Previously filed as exhibit to Current Report on Form 8-K filed on December 16, 2025 and incorporated herein by reference. |
| (19) | Previously filed as exhibit to Current Report on Form 8-K filed on February 25, 2026 and incorporated herein by reference. |
| (c) | No financial statement schedules are included because the information is either provided in the financial statements or is not required under the related instructions or is inapplicable and such schedules therefore have been omitted. |
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