Manhattan Bridge Capital, Inc 8-K Filing

FAQ

Key Financial Figures

• $0.001 — ch registered Common Stock, par value $0.001 per share LOAN The Nasdaq Capital M
• $10,000,000 — credit in the principal amount of up to $10,000,000 (the " Credit Facility "). In connectio
• $500,000 — from Mr. Ran that caps his liability at $500,000. Under the terms of the Credit Facili
• $6,000,000 — ding II completed the redemption of all $6,000,000 principal amount outstanding at 100% of

Filing Documents

• form8-k.htm (8-K) — 62KB
• ex10-1.htm (EX-10.1) — 207KB
• ex10-2.htm (EX-10.2) — 100KB
• ex10-3.htm (EX-10.3) — 84KB
• ex10-4.htm (EX-10.4) — 58KB
• ex10-5.htm (EX-10.5) — 60KB
• ex99-1.htm (EX-99.1) — 58KB
• ex10-1_001.jpg (GRAPHIC) — 9KB
• ex10-2_001.jpg (GRAPHIC) — 15KB
• ex10-3_001.jpg (GRAPHIC) — 14KB
• ex10-4_001.jpg (GRAPHIC) — 10KB
• ex99-1_001.jpg (GRAPHIC) — 10KB
• 0001493152-25-027893.txt ( ) — 1049KB
• loan-20251212.xsd (EX-101.SCH) — 4KB
• loan-20251212_def.xml (EX-101.DEF) — 26KB
• loan-20251212_lab.xml (EX-101.LAB) — 36KB
• loan-20251212_pre.xml (EX-101.PRE) — 25KB
• form8-k_htm.xml (XML) — 6KB

From the Filing

UNITED SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): December 12, 2025 Manhattan Bridge Capital, Inc. MBC Funding II Corp. (Exact Name of Registrant as Specified in Charter) New York (Manhattan Bridge Capital, Inc.) 000-25991 11-3474831 New York (MBC Funding II Corp.) 001-37726 81-0758358 (State or Other Jurisdiction of Incorporation) (Commission File Number) (IRS Employer Identification No.) 60 Cutter Mill Road , Great Neck , NY 11021 (Address of Principal Executive Offices) (Zip Code) (516) 444-3400 (Registrant's telephone number, including area code) Not applicable (Former Name or Former Address, if Changed Since Last Report) Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: Written communications pursuant to Rule 425 under the Section Act (17 CFR 230.425). Soliciting material pursuant to Rule 14A-12 under the Exchange Act (17 CFR 240.14a-12). Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240-14d-2(b)). Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)). Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.001 per share LOAN The Nasdaq Capital Market 6% Senior Secured Notes, due April 22, 2026, issued by MBC Funding II Corp. LOAN/26 NYSE American LLC Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (240.12b-2 of this chapter). Emerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. This Current Report on Form 8-K is filed jointly by Manhattan Bridge Capital, Inc. (the "Company") and its wholly-owned subsidiary MBC Funding II Corp. ("MBC Funding II"), in connection with the items set forth below. Item 1.01. Entry into a Material Definitive Agreement. On December 12, 2025, MBC Funding II, a wholly owned subsidiary of Manhattan Bridge Capital, Inc. (the " Company "), entered into a letter agreement (the " Letter Agreement ") with Valley National Bank (" Valley "), pursuant to which Valley agreed to provide MBC Funding II with a line of credit in the principal amount of up to $10,000,000 (the " Credit Facility "). In connection with the Credit Facility, MBC Funding II executed a Line of Credit Note (the " Note "), which evidences the advances available under the facility, and entered into an all-assets Security Agreement (the " Security Agreement ") in favor of Valley. In addition, the Company and Mr. Assaf Ran delivered guarantees of the obligations under the Credit Facility, including a limited guaranty from Mr. Ran that caps his liability at $500,000. Under the terms of the Credit Facility, MBC Funding II may borrow, repay and reborrow amounts up to the $10,000,000, subject to a borrowing base comprised of eligible mortgage loans and related concentration limits and reserves, as described in the Letter Agreement. The Note matures on the earlier of December 12, 2027, or the acceleration of the obligations following an event of default. Outstanding borrowings under the Note bear interest at a floating rate equal to Term SOFR (subject to a floor of 3.00%), as defined in the Note, plus 2.95% per annum, and are subject to standard benchmark replacement provisions. The Credit Facility also requires MBC Funding II to pay an upfront fee equal to 0.20% of the total commitment and an unused line fee equal to 0.25% per annum on the average daily unused portion of the Credit Facility. The Letter Agreement contains customary representations and warranties, affirmative and negative covenants, financial reporting obligations and financial covenants, including minimum fixed charge coverage ratios and maximum leverage ratios applicable to both MBC Funding II and the Company. The Credit Facility also includes standard restrictions on the incurrence of additional indebtedness, the granting of liens, changes in control, affiliate transactions, asset dispositions and restricted payments, each subject to negotiated exceptions. The Credit Facility contains customary events of default, including payment defaults, covenant breaches, inaccurate representations, cross-defaults to other material indebtedness of MBC Funding II or the Company, insolvency events, unsatisfied judgments,

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