# EDGAR Filing Document

**Accession Number:** 0001080340
**File Stem:** 0001493152-26-008061
**Filing Date:** 2026-2
**Character Count:** 30248
**Document Hash:** fe1187b4002657ad9a0dc504cefde945
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-26-008061.hdr.sgml**: 20260225

**ACCESSION NUMBER**: 0001493152-26-008061

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20260224

**ITEM INFORMATION**: Entry into a Material Definitive Agreement

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260225

**DATE AS OF CHANGE**: 20260225

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MANHATTAN BRIDGE CAPITAL, INC
- **CENTRAL INDEX KEY:** 0001080340
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 113474831
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-25991
- **FILM NUMBER:** 26679915

**BUSINESS ADDRESS:**
- **STREET 1:** 60 CUTTER MILL RD.,
- **STREET 2:** SUITE 205
- **CITY:** GREAT NECK,
- **STATE:** NY
- **ZIP:** 11021
- **BUSINESS PHONE:** (516) 444-3400

**MAIL ADDRESS:**
- **STREET 1:** 60 CUTTER MILL RD.,
- **STREET 2:** SUITE 205
- **CITY:** GREAT NECK,
- **STATE:** NY
- **ZIP:** 11021

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** DAG MEDIA INC
- **DATE OF NAME CHANGE:** 19990223

?xml version='1.0' encoding='ASCII'?

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, DC 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): **February 24 2026**

**Manhattan Bridge Capital, Inc.**

(Exact Name of Registrant as Specified in Its Charter)

---

| | | |
|:---|:---|:---|
| **New York** | **000-25991** | **11-3474831** |
| (State or Other Jurisdiction<br> of Incorporation) | (Commission<br> File Number) | (IRS Employer<br> 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)).

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| Common Shares, par value $0.001 per share | LOAN | The Nasdaq Capital Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in 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. ☐

**Item 1.01. Entry into a Material Definitive Agreement.**

On February 24, 2026, Manhattan Bridge Capital, Inc. (the "<u>Company</u>") entered into an amendment (the "<u>Amendment</u>") to its Amended and Restated Credit and Security Agreement, as amended prior to the Amendment (the "<u>Agreement</u>"), among the Company, the guarantors party thereto, Webster Bank, National Association ("<u>Webster</u>"), the other lenders from time to time party thereto (the "<u>Lenders</u>"), and Webster, as agent for the Lenders (in such capacity, the "<u>Agent</u>").

Among other things, the Amendment (i) extended the term of the Credit Agreement through March 31, 2026; (ii) provided for the departure of Mizrahi Tefahot Bank Ltd. as a Lender under the Agreement; and (iii) reallocated the revolving commitments of the remaining Lenders to account for such departure.

In connection with such reallocation, the Company executed a Second Amended and Restated Revolving Credit Note in favor of Webster increasing the original principal amount from $15,000,000 to $22,500,000 (the "<u>Webster Note</u>"), which replaced the Amended and Restated Revolving Credit Note previously delivered by the Company to Webster.

This summary is qualified in its entirety by reference to the full text of the Amendment and the Webster Note, which are attached hereto as Exhibit 10.1 and Exhibit 10.2, respectively, and incorporated by reference herein.

**Item 9.01 Financial Statements and Exhibits.**

**(d) Exhibits**

---

| | |
|:---|:---|
| Exhibit No. | Description |
| 10.1 | [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.](ex10-1.htm) |
| 10.2 | [Second Amended and Restated Revolving Credit Note, dated February 24, 2026, issued by the Company in favor of Webster Bank, National Association.](ex10-2.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **MANHATTAN BRIDGE CAPITAL, INC.** | **MANHATTAN BRIDGE CAPITAL, INC.** |
| Date: February 25, 2026 | By: | */s/ Assaf Ran* |
|  | Name: | Assaf Ran |
|  | Title: | President and Chief Executive Officer |

---

## Exhibit 10.1

**Exhibit 10.1**

*Execution Copy*

 

**AMENDMENT NO. 9**

**TO**

**AMENDED AND RESTATED CREDIT AND SECURITY AGREEMENT**

This AMENDMENT NO. 9 (this <u>"Amendme</u>nt") is executed on February 24, 2026, by and among MANHATTAN BRIDGE CAPITAL, INC., a New York corporatio<u>n ("Borr</u>ower"; and collectively with any Person who is or hereafter becomes a party to the Credit Agreement (as defined below) as a borrower or a guarantor, each a "<u>Loan Party</u>" and collectively, the "<u>Loan Parties</u>"), the Lenders (as defined below) signatory hereto, the Guarantors signatory hereto, and WEBSTER BANK, NATIONAL ASSOCIATION ("<u>Webster</u>"), individually, as a Lender hereunder and as agent for itself and each other Lender (Webster, acting in such agency capacity, the "<u>Agent</u>").

BACKGROUND

Loan Parties, the financial institutions who are or hereafter become parties thereto as lenders (collectively, the "<u>Lenders</u>" and each individually, a "<u>Lender</u>"), and Agent are parties to an Amended and Restated Credit and Security Agreement, dated as of August 8, 2017 (as amended, restated, amended and restated, supplemented or otherwise modified from time to time, the "<u>Credit Agreement</u>") pursuant to which Agent and Lenders provide Loan Parties with certain financial accommodations.

Loan Parties have requested that Agent and Lenders make certain amendments to the Credit Agreement, and Agent and Lenders are willing to do so on the terms and conditions hereafter set forth.

NOW, THEREFORE, in consideration of any loan or advance or grant of credit heretofore or hereafter made to or for the account of Borrower by Lenders, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Definitions</u>. All capitalized terms not otherwise defined herein shall have the respective meanings given to them in the Credit Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Amendment to Credit Agreement</u>. Subject to satisfaction of the conditions precedent set forth in Section 4 below, the Credit Agreement is hereby amended as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The first sentence of Section 14.1 is hereby amended to read in its entirety as follows:

"This Agreement, which shall inure to the benefit of and shall be binding upon, the respective successors and permitted assigns of each Loan Party, Agent and Lenders, shall become effective on the Closing Date and shall continue in full force and effect until March 31, 2026 (the "<u>Term</u>") unless sooner terminated as herein provided."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Subsections (A), (B) and (C) of Section 17.6 are hereby amended in their entirety to read as follows:

---

| | | |
|:---|:---|:---|
| "(A) If to Agent at: | Webster Bank, National Association | Webster Bank, National Association |
|  | 360 Lexington Avenue | 360 Lexington Avenue |
|  | New York, New York 10017 | New York, New York 10017 |
|  | Attention: | Account Executive – Manhattan Bridge Capital, Inc. |
|  | Fax: |  |
|  | Email: |  |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;with a copy to: | Thompson Coburn LLP | Thompson Coburn LLP |
|  | 488 Madison Avenue | 488 Madison Avenue |
|  | New York, New York 10022 | New York, New York 10022 |
|  | Attention: | Daniel D. Batterman, Esq. |
|  | Fax: |  |
|  | Email: |  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) If to any Lender other than Agent, as specified on Schedule 1.1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) If to Borrower Representative

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;or any Loan Party, at: | c/o Manhattan Bridge Capital, Inc. | c/o Manhattan Bridge Capital, Inc. |
|  | 60 Cutter Mill Road, Suite 205 Great Neck, NY 11201 | 60 Cutter Mill Road, Suite 205 Great Neck, NY 11201 |
|  | Attention: | Assaf Ran, CEO |
|  | Fax: |  |
|  | Email: |  |
| &nbsp;&nbsp;&nbsp;with a copy to: | Sullivan & Worcester LLP | Sullivan & Worcester LLP |
|  | 1 Post Office Square | 1 Post Office Square |
|  | Boston, MA, 02109 |  |
|  | Attention: |  |
|  | Email: |  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Schedule 1.1</u> is hereby amended in its entirety to read as set forth on Schedule 1.1 attached to this Amendment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Departing Lender</u>. On the Amendment No. 9 Effective Date (as hereafter defined), the Borrowers shall pay (and the Borrowers hereby irrevocably authorize the Agent to pay on their behalf) to Mizrahi Tefahot Bank Ltd. ("<u>Departing Lender</u>") all principal, interest, fees and other Obligations (other than contingent payment obligations for which no demand for payment has been made) then outstanding to Departing Lender, as calculated by the Agent in accordance with the Credit Agreement (such amount, the "<u>Payoff Amount</u>"). Each of the parties hereto agrees that, upon Departing Lender's receipt of the Payoff Amount on the Amendment No. 9 Effective Date, (a) Departing Lender shall be deemed to have terminated its "Commitment" and "Revolving Commitment" under the Credit Agreement and all related rights and benefits (other than those rights and benefits that expressly survive the termination of the Credit Agreement and the Other Documents pursuant to their terms), obligations, liabilities and indemnities of Departing Lender under and in connection with the Credit Agreement and the Other Documents, such that, from and after the Amendment No. 9 Effective Date, Departing Lender shall have no right or obligation to make any loans or other financial accommodations to Borrowers, (b) Departing Lender shall cease to be a "Lender" under the Credit Agreement, (c) Departing Lender shall cease to have any participation interest or other interest in any Letters of Credit, and (d) Departing Lender shall have no rights or interests (other than those rights and interests that expressly survive the termination of the Credit Agreement and the Other Documents pursuant to their terms) whatsoever in, to or under the Credit Agreement or Other Documents or any Obligations thereunder (and any promissory note issued to Departing Lender shall be deemed paid in full and cancelled). The Departing Lender is executing this Amendment for the sole purpose of evidencing its agreement to this Section 3 only and for no other purpose.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Conditions of Effectiveness</u>. This Amendment shall become effective (such date, the "<u>Amendment No. 9 Effective Date</u>") upon Agent's receipt of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) a copy of this Amendment duly executed and delivered by Lenders, Departing Lender each Loan Party, MBC II Subsidiary, and Personal Guarantor (defined below) with one original executed copy of this Amendment to be promptly delivered by Loan Parties to Agent, in form and substance satisfactory to Agent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) a Second Amended Restated Revolving Credit Note in the original principal amount of $22,500,000 duly executed by Borrower; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) such other documents, instruments and agreements as Agent or its counsel may require.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Representations and Warranties</u>. Each Loan Party hereby represents and warrants as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) This Amendment and the Credit Agreement, as amended hereby, constitute legal, valid and binding obligations of each Loan Party and are enforceable against each Loan Party in accordance with their respective terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Upon the effectiveness of this Amendment, each Loan Party hereby reaffirms all covenants, representations and warranties made in the Credit Agreement as amended hereby and agrees that all such covenants, representations and warranties shall be deemed to have been remade as of the effective date of this Amendment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) After giving effect to this Amendment, no Event of Default or Default has occurred and is continuing or would exist after giving effect to this Amendment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) No Loan Party has any defense, counterclaim or offset with respect to the Credit Agreement or any Other Document to which it is a party.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Effect on the Credit Agreement</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Upon the effectiveness of this Amendment, each reference in the Credit Agreement to "this Amendment," "hereunder," "hereof," "herein" or words of like import shall mean and be a reference to the Credit Agreement as amended hereby. This Amendment shall be an Other Document for all purposes under the Credit Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Except as specifically amended herein, the Credit Agreement, and all other documents, instruments and agreements executed and/or delivered in connection therewith, shall remain in full force and effect, and are hereby ratified and confirmed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The execution, delivery and effectiveness of this Amendment shall not operate as a waiver of any right, power or remedy of Agent or any Lender, nor constitute a waiver of any provision of the Credit Agreement, or any other documents, instruments or agreements executed and/or delivered under or in connection therewith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Release</u>. Each of the Loan Parties on behalf of itself and its successors, assigns, and other legal representatives, and Personal Guarantor on behalf of himself and his successors, assigns, and other legal representatives (collectively, the "<u>Releasing Parties</u>"), hereby, (a) jointly and severally, absolutely, unconditionally and irrevocably releases, remises and forever discharges Agent and Lenders, and each of their present and former shareholders, affiliates, subsidiaries, divisions, predecessors, directors, officers, attorneys, employees, agents and other representatives and their respective successors and assigns (Agent and Lenders and all such other parties being hereinafter referred to collectively as the "<u>Released Parties</u>" and individually as a "<u>Released Party</u>"), of and from all demands, actions, causes of action, suits, covenants, contracts, controversies, agreements, promises, sums of money, accounts, bills, reckonings, damages and any and all other claims, counterclaims, defenses, rights of set-off, demands and liabilities whatsoever (individually, a "Claim" and collectively, "<u>Claims</u>") of every name and nature, known or unknown, suspected or unsuspected, both at law and in equity, whether liquidated or unliquidated, matured or unmatured, asserted or unasserted, fixed or contingent, foreseen or unforeseen and anticipated or unanticipated, which each of the Loan Parties and Personal Guarantor, or any of their respective successors, assigns, or other legal representatives and their successors and assigns may now or hereafter own, hold, have or claim to have against the Released Parties or any of them for, upon, or by reason of any nature, cause or thing whatsoever which arises at any time on or prior to the day and date of this Amendment, in relation to, or in any way in connection with the Credit Agreement, as amended and supplemented through the date hereof, the Personal Guaranty, this Amendment, the Other Documents; (b) understands, acknowledges and agrees that the release set forth above may be pleaded as a full and complete defense and may be used as a basis for an injunction against any action, suit or other proceeding which may be instituted, prosecuted or attempted in breach of the provisions of such release; (c) agrees that no fact, event, circumstance, evidence or transaction which could now be asserted or which may hereafter be discovered shall affect in any manner the final and unconditional nature of the release set forth above and nothing contained herein shall constitute an admission of liability with respect to any Claim on the part of any Released Party; and (d) jointly and severally, absolutely, unconditionally and irrevocably, covenants and agrees with each Released Party that it will not sue (at law, in equity, in any regulatory proceeding or otherwise) any Released Party on the basis of any Claim released, remised and discharged by any of the Loan Parties or Personal Guarantor pursuant to this Paragraph 7. If any Releasing Party violates the foregoing covenant, Releasing Parties, jointly and severally, agree to pay, in addition to such other damages as any Released Party may sustain as a result of such violation, all attorneys' fees and costs incurred by any Released Party as a result of such violation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Governing Law</u>. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns and shall be governed by and construed in accordance with the laws of the State of New York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Headings</u>. Section headings in this Amendment are included herein for convenience of reference only and shall not constitute a part of this Amendment for any other purpose.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Counterparts; Facsimile</u>. This Amendment may be executed by the parties hereto in one or more counterparts, each of which shall be deemed an original and all of which when taken together shall constitute one and the same agreement. Any signature delivered by a party by .pdf or electronic transmission shall be deemed to be an original signature hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Reaffirmation by Guarantors</u>. Assaf Ran (the "<u>Personal Guarantor</u>") and MBC II Subsidiary each hereby reaffirm that all of the Obligations of Loan Parties under the Credit Agreement as amended by this Amendment are irrevocably guaranteed by (i) Personal Guarantor in accordance with the terms and conditions of the Second Amended and Restated Guaranty, dated as of January 31, 2023 (as amended, restated, amended and restated, supplemented or otherwise modified from time to time) in favor of Agent for the ratable benefit of Lenders and (ii) MBC II Subsidiary in accordance with the terms and conditions of the MBC II Guaranty, in each case, in favor of Agent for the ratable benefit of Lenders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Severability</u>. In case of one or more of the provisions contained in this Amendment shall be held invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions contained herein shall not in any way be affected or impaired thereby.

[*Remainder of page intentionally left blank; signature pages follow*]

IN WITNESS WHEREOF, this Amendment has been duly executed as of the day and year first written above.

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| | |
|:---|:---|
| BORROWER: | BORROWER: |
| **MANHATTAN BRIDGE CAPITAL, INC.** | **MANHATTAN BRIDGE CAPITAL, INC.** |
| By: | /s/ Assaf Ran |
| Name: | Assaf Ran |
| Title: | CEO |

---

[Signature Page to Amendment No. 9]

---

| | |
|:---|:---|
| **ACKNOWLEDGED AND AGREED TO BY:**<br> **GUARANTORS:** | **ACKNOWLEDGED AND AGREED TO BY:**<br> **GUARANTORS:** |
| By: | /s/ Assaf Ran |
| Name: | Assaf Ran |
| **MBC FUNDING II CORP** | **MBC FUNDING II CORP** |
| By: | /s/ Assaf Ran |
| Name: | Assaf Ran |
| Title: | CEO |

---

[Signature Page to Amendment No. 9]

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| | |
|:---|:---|
| **WEBSTER BANK, NATIONAL ASSOCIATION**, as Agent and a Lender | **WEBSTER BANK, NATIONAL ASSOCIATION**, as Agent and a Lender |
| By: | **/s/ Leo Goldstein** |
| Name: | **Leo Goldstein** |
| Title: | **Director** |

---

[Signature Page to Amendment No. 9]

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| | |
|:---|:---|
| **FLUSHING BANK**, as a Lender | **FLUSHING BANK**, as a Lender |
| By: | /s/ Jacqueline Yu |
| Name: | Jacqueline Yu |
| Title: | Vice President |

---

[Signature Page to Amendment No. 9]

---

| | |
|:---|:---|
| **MIZRAHI TEFAHOT BANK LTD.,** as | **MIZRAHI TEFAHOT BANK LTD.,** as |
| Departing Lender | Departing Lender |
| By: | /s/ Gerry B. Perez |
| Name: | Gerry B. Perez |
| Title: | Senior Vice President, CCO |
| By: | /s/ Michal Poran |
| Name: | Michal Poran |
| Title: | SUP, COO |

---

[Signature Page to Amendment No. 9]

**Schedule 1.1**

---

| | | |
|:---|:---|:---|
| **Lender Party** | **Revolving Commitment** | **Revolving Commitment Percentage** |
| Webster Bank<br> Address: | $22500000 | 69.2308% |
| 360 Lexington Avenue<br> New York, NY 10017<br> Attention: Account Executive, Manhattan Bridge Capital, Inc. |  |  |
| Flushing Bank<br> Address: | $10000000 | 30.7692% |
| 220 RXR Plaza<br> Uniondale, NY 11556<br> Attention: Jacqueline Yu |  |  |
| **Total:** | **$32500000** | **100%** |

---

Schedule 1.1

## Exhibit 10.2

**Exhibit 10.2**

SECOND AMENDED AND RESTATED

REVOLVING CREDIT NOTE

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| | |
|:---|:---|
| $22500000 | As of February 24, 2026 |
|  | New York, New York |

---

**FOR VALUE RECEIVED,** the undersigned ("<u>Borrower</u>"), promises to pay to the order of WEBSTER BANK, NATIONAL ASSOCIATION ("<u>Payee</u>"; Payee, together with any other holder hereof, sometimes referred to herein as the "Holder"), at the office of Agent (defined below) located at 360 Lexington Avenue, New York, New York 10017 or at such other place as Payee may from time to time designate to Borrower in writing, the principal sum of TWENTY TWO MILLION FIVE HUNDRED THOUSAND AND 00/100 DOLLARS ($22,500,000), or such lesser amount as may be outstanding under Revolving Advances made pursuant to the Credit Agreement (defined below), at such time or times as are provided in the Credit Agreement (defined below) and, in any event, on the last day of the Term, subject to acceleration upon the occurrence of an Event of Default under the Credit Agreement or earlier termination of the Credit Agreement pursuant to the terms thereof, together with interest on the unpaid principal balance hereof from the date hereof until the payment in full of this Revolving Credit Note (this "<u>Note</u>") at the rate specified with respect to the Revolving Advances in the Credit Agreement, payable at the times and in the manner provided in the Credit Agreement.

It is contemplated that the principal sum evidenced hereby may be reduced from time to time as a result of the repayment of Revolving Advances and that additional Revolving Advances may be made from time to time but not to exceed the Maximum Revolving Amount, as provided in the Credit Agreement.

This Note is one of the "Revolving Credit Notes" issued to evidence the Revolving Advances being made available by Payee to Borrower pursuant to the provisions of the Amended and Restated Credit and Security Agreement, dated as August 8, 2017 (herein, as at any time amended, modified or supplemented, called the "<u>Credit Agreement</u>"; capitalized terms used herein and not defined herein having the meanings assigned to them in the Credit Agreement), among the Borrower, the other Loan Parties identified therein, the financial institutions identified therein (each a "<u>Lender</u>" and collectively, the "Lenders") and Webster Bank, National Association ("<u>Webster</u>") as a Lender and agent for all other Lenders (Webster, in such capacity, "<u>Agent</u>") to which reference is hereby made for a statement of the terms, conditions and covenants under which the indebtedness evidenced hereby was made and is to be repaid, including, but not limited to, those related to voluntary or mandatory prepayment of the indebtedness represented hereby, to the maturity of the indebtedness represented hereby upon the termination of the Credit Agreement and to the interest rate payable hereunder. In no event, however, shall interest exceed the maximum interest rate permitted by law. Upon and after the occurrence of an Event of Default, and during the continuation thereof, interest shall be payable at the Default Rate.

Payment of this Note is secured by the Collateral and Holder is entitled to the benefit of the Credit Agreement and any Other Document at any time delivered in connection with the foregoing to secure the Obligations, and is subject to all of the agreements, terms and conditions therein contained.

If an Event of Default under Sections 11.7, 11.8 or 11.9 of the Credit Agreement shall occur, then this Note shall immediately become due and payable, without notice, together with reasonable attorneys' fees if the collection hereof is placed in the hands of an attorney to obtain or enforce payment hereof. If any other Event of Default shall occur under the Credit Agreement or any of the Other Documents, which is not cured within any applicable grace period, then this Note may, as provided in the Credit Agreement, be declared to be immediately due and payable, without notice, together with reasonable attorneys' fees, if the collection hereof is placed in the hands of an attorney to obtain or enforce payment hereof.

PURSUANT TO SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW, THIS NOTE SHALL BE GOVERNED BY, AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE INTERNAL LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES.

Borrower hereby waives presentment, demand for payment, protest and notice of protest, notice of dishonor and all other notices in connection with this Note.

This Note amends and restates, and is given in substitution for and not in satisfaction of that certain Amended and Restated Revolving Credit Note, dated July 7, 2017, in the principal amount of $15,000,000, heretofore issued by Borrower to the order of Payee.

WITNESS THE DUE EXECUTION HEREOF BY THE DULY AUTHORIZED OFFICER OF THE UNDERSIGNED AS OF THE DATE FIRST ABOVE WRITTEN.

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| | |
|:---|:---|
| "BORROWER" | "BORROWER" |
| MANHATTAN BRIDGE CAPITAL, INC. | MANHATTAN BRIDGE CAPITAL, INC. |
| By: | /s/ Assaf Ran |
| Name: | Assaf Ran |
| Title: | CEO |

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[Signature Page to Second Amended and Restated Revolving Credit Note]