Manhattan Bridge Capital, Inc. (LOAN): Marketing Mix Analysis [Dec-2025 Updated]

You're looking past the big names to see how Manhattan Bridge Capital, Inc. actually makes money in the hard money space, and after twenty years watching these niche lenders, I can tell you their four P's are about tight focus and aggressive yield. Honestly, they stick to short-term, secured real estate debt, keeping the vast majority-about 95.80% of their portfolio-locked down in the New York metro area. That specialized Product and Place strategy lets them price their loans between 9% and 13%, which is what underpins that high 9.7% forward dividend yield you're tracking, even as Q1 2025 revenue settled near $2,274,000. Stick with me; we'll map out exactly how their Product, Place, Promotion, and Price create this specific market position.

Manhattan Bridge Capital, Inc. (LOAN) - Marketing Mix: Product

The core offering from Manhattan Bridge Capital, Inc. is its specialized debt instrument: short-term, secured, non-banking 'hard money' loans. These are designed specifically for real estate investors needing quick capital deployment. The product is fundamentally a first mortgage lien on real estate collateral, generally accompanied by personal guarantees from the principals of the borrowing entities. You're looking at a product that fills a specific gap where traditional banking timelines don't align with fast-moving real estate investment cycles.

The product is laser-focused on real estate investors whose immediate needs revolve around property acquisition and subsequent value-add activities, such as renovation or rehabilitation. The company's operational footprint for originating these products covers the New York metropolitan area, which includes New Jersey and Connecticut, and extends into Florida. As of late 2025, the firm maintains a lean operational structure to support this focused product delivery, reporting only 6 full-time employees. This lean structure supports the specialized nature of the financing provided.

Manhattan Bridge Capital, Inc. structures its product line around three primary specialized loan categories to meet varied investor strategies. These offerings are designed to be flexible for short-term hold-and-sell or transitional financing needs. Here are the key product types:

• Loans to finance purchases and repairs for quick sale, known as fix and flip.
• Financing for small, new construction projects.
• Bridge loans to purchase small income-producing properties.

The standard structure of the loan product dictates a predictable repayment schedule for the borrower, which is key to its appeal in the hard money space. Loans are typically structured to be interest-only throughout the term, with a single balloon payment due at maturity. The maximum initial term for these instruments is set at 12 months. This structure allows investors to manage cash flow during the renovation or stabilization period. The interest rates charged to borrowers have historically ranged from 9% to 13% per year, though one specific loan in 2024 saw a rate reduction to 7.25% in January 2025. The revenue generated from these products in the third quarter of 2025 was reported at $2.04 million.

To maintain capital preservation and manage portfolio concentration, Manhattan Bridge Capital, Inc. enforces a strict cap on the size of any single loan. This policy is critical for managing risk in a focused lending environment. You need to know the exact limits when considering the product's capacity for a single deal. Here's the quick math on the maximum exposure:

The product's maximum size is always the lower of the $4 million dollar limit or the 9.9% portfolio threshold. What this estimate hides is the actual portfolio size as of late 2025, which directly determines the effective maximum loan size via the percentage cap. For context on recent performance driven by this product, the interest income for the full year 2024 was approximately $8,047,000, compared to $7,976,000 in 2023.

Manhattan Bridge Capital, Inc. (LOAN) - Marketing Mix: Place

You're looking at how Manhattan Bridge Capital, Inc. gets its product-short-term, secured, non-banking real estate loans-to the borrower. The Place strategy is heavily concentrated, reflecting a deep specialization in a specific market segment.

The primary geographic focus is the New York metropolitan area, which is where the vast majority of the loan portfolio is secured. As of December 31, 2024, 95.80% of the company's loans were secured by properties within this region. This concentration is a defining characteristic of the distribution strategy.

The service area for Manhattan Bridge Capital, Inc. is clearly defined, focusing on high-density, high-value real estate markets:

• Primary Market: New York metropolitan area, including all 5 NYC Boroughs (Brooklyn, Queens, Bronx, Manhattan, Staten Island) and Long Island (Nassau and Suffolk Counties).
• Secondary Markets: New Jersey, Connecticut, and Florida.

Here's a quick look at the geographic weighting of the loan portfolio based on the latest available year-end data:

Distribution is executed directly through a vertically-integrated origination platform. This means Manhattan Bridge Capital, Inc. manages the entire process, from loan application to servicing and management, without relying on external brokers or third-party origination networks for its core business. The operational hub for this direct distribution model is the company's headquarters located at 60 Cutter Mill Road, Suite 205, Great Neck, New York 11021.

Manhattan Bridge Capital, Inc. (LOAN) - Marketing Mix: Promotion

Manhattan Bridge Capital, Inc. promotion strategy leans heavily on its operational history and direct communication with the investment community, given its status as a publicly traded entity on NASDAQ under the ticker LOAN.

The core business model, providing short-term secured, non-banking loans to real estate investors, inherently fosters relationship-based business. Loans are normally for a term of one year, which necessitates ongoing engagement and repeat business from successful borrowers in the New York metropolitan area and Florida. The company defintely promotes its established presence in this niche.

Visibility is maintained through formal investor relations activities. Manhattan Bridge Capital, Inc. has previously engaged American Capital Ventures for Investor Relation Services and SABR Capital Management for Capital Markets Advisory.

As a signal of management conviction, the Board of Directors authorized a common stock repurchase plan on November 20, 2025, allowing the buyback of up to 100,000 common shares over the next twelve months at prevailing prices. This action was taken following a recent dramatic decline in the stock price.

On its website, Manhattan Bridge Capital, Inc. self-promotes with the claim of being a 'Rated #1 Hard Money Lender in NYC'. This direct, assertive positioning is a key element of its external communication.

The Chairman of the Board and Chief Executive Officer, Assaf Ran, addressed market conditions in the Q1 2025 earnings release. He expressed confidence in the Company's business and future prospects, citing its extraordinary low leverage and impressive performances and track record even in troubled times. This commentary was delivered against a backdrop of financial results for the three months ended March 31, 2025, which showed resilience despite market pressures.

Here's a quick look at the Q1 2025 financial context surrounding the CEO's commentary:

Further demonstrating management confidence, CEO Assaf Ran made a significant personal investment on November 18, 2025, purchasing 4,000 shares of the company's stock, a transaction valued at $18,600.

The promotion mix includes direct communication channels, as evidenced by the following:

• Public listing on NASDAQ: LOAN.
• CEO commentary on track record and low leverage.
• Board authorization for a buyback of up to 100,000 shares.
• CEO personal stock purchase of 4,000 shares on November 18, 2025.
• Stated claim of being the 'Rated #1 Hard Money Lender in NYC'.

Manhattan Bridge Capital, Inc. (LOAN) - Marketing Mix: Price

The pricing element for Manhattan Bridge Capital, Inc. centers on the yield generated from its secured commercial loan portfolio and the structure used to manage that yield against market fluctuations. You're setting the cost of capital for real estate investors, so the terms must balance competitiveness with risk mitigation. The company's commercial loan interest rates are structured to range between 9% to 13%.

To manage the inherent interest rate risk associated with lending in uncertain economic environments, the pricing strategy for Manhattan Bridge Capital, Inc. includes adjustable rate clauses to mitigate interest rate risk. This mechanism allows the effective interest charged to adjust over the loan's life, reflecting changes in the underlying benchmark rates, which is a key consideration given the CEO noted delays in interest rate reductions in early 2025.

Here's a quick look at the top-line financial performance that underpins this pricing strategy for the first quarter of 2025:

The revenue composition shows that while the core interest income component decreased, origination fees remained a strong contributor to the overall top line. Origination fees contributed approximately $440,000 to Q1 2025 revenue, slightly up from $431,000 in the prior year period. This fee structure is a direct component of the price charged to borrowers at the start of the financing arrangement.

From an investor perspective, the return profile is signaled by the dividend yield. The forward dividend yield is high at approximately 9.73%, reflecting the risk/return profile inherent in the company's specialty finance business model. This yield compares to the top 25% of dividend payers in the Real Estate sector at 11.70%.

Key pricing and yield indicators as of late 2025 include:

• Forward Dividend Yield: 9.73%
• Q1 2025 Revenue: $2,274,000
• Q1 2025 Origination Fees: $440,000
• Shareholders' Equity (as of March 31, 2025): $43,326,000

The company maintains a conservative approach, citing low leverage and strict underwriting, which directly supports the pricing structure by aiming to minimize credit losses against the stated interest rates. Finance: draft 13-week cash view by Friday.