Manhattan Bridge Capital is a hard money lender specializing in short-term, secured real estate loans for fix-and-flip projects, bridge financing, and small construction across New York and surrounding regions.
Data compiled from public sources · Rating from CreditDoc methodology
Manhattan Bridge Capital, Inc. (NASDAQ: LOAN) operates as a private hard money lender focused exclusively on real estate investors rather than consumers. The company was established to serve professional investors seeking short-term financing solutions that traditional banks typically do not offer. Their business model centers on providing non-banking, private loans secured primarily by real estate collateral.
The company offers three core loan products: fix-and-flip loans to finance property purchases and repairs for quick resale, bridge loans for acquiring small income-producing properties, and construction loans for small new projects. They serve the New York market comprehensively, including all five NYC boroughs (Brooklyn, Queens, Bronx, Manhattan, Staten Island), Long Island (Nassau and Suffolk Counties), Hudson Valley, Rockland, and Westchester Counties. They also fund properties located in New Jersey, Connecticut, and Florida. Loans are typically structured as one-year terms with interest-only payments during the loan period and a balloon payment at maturity.
Manhattan Bridge Capital distinguishes itself through NASDAQ listing (ticker: LOAN), which provides institutional-grade oversight and transparency rare among hard money lenders. They position themselves as the "#1 Hard Money Lender in NYC" and specifically target professional real estate investors with established track records rather than novice borrowers. All loans are secured by real estate collateral and typically require personal guarantees from business principals, reducing risk.
As a hard money lender, this company primarily serves experienced investors comfortable with short-term debt structures, higher interest rates than traditional mortgages, and rapid closing timelines. Borrowers should understand that hard money loans are expensive bridge financing solutions, not primary mortgages, and are designed for investors with clear exit strategies rather than long-term homeownership.
Yes. Hard Money Lender New York #1 NYC Manhattan Bridge Capital Inc. Real Estate Loans, Fix Flip Loans, Bridge Loans is a registered company, headquartered in Kew Gardens, NY.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Manhattan Bridge Capital is exclusively designed for professional real estate investors with established track records, not consumer borrowers. The critical caveat is that hard money loans are expensive, short-term debt instruments with balloon payments—they require investors to have a clear exit strategy (property sale, refinancing, or income generation) and comfort with rates and terms significantly higher than traditional mortgages.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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