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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ( Mark One ) [ X ] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 000-25991 MANHATTAN BRIDGE CAPITAL , INC . New York ( State or other jurisdiction of incorporation or organization ) Title of each class 11-3474831 ( I.R.S. Employer Identification No. ) 60 Cutter Mill Road , Suite 205 , Great Neck , NY 11021 ( Address of Principal Executive Office ) ( Zip Code ) ( 516 ) 444-3400 ( Registrant's telephone number , including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : Common Stock , par value $ .001 per share Trading Symbol LOAN Name of each exchange on which registered The Nasdaq Capital Market Securities registered pursuant to section 12 ( g ) of the Act : NONE Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes [ ] No [ X ] Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . Yes ( ) No ( ✗ ] Indicate by check mark whether the registrant ( 1 ) has filed all reports to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter earlier period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes [ X ] No [ ] Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes [ X ] No [ ] Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company or emerging growth company . See definition of “ large accelerated filer , ” “ accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Act . Large accelerated filer [ ] Non - accelerated filer [ X ] Emerging growth company [ ] Accelerated filer [ ] Smaller reporting company [ X ] 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 . [ ] Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public