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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K ( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) 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 For the transition period from to Commission file number 001-37747 MEDALLION FINANCIAL CORP . ( Exact name of registrant as specified in its charter ) DELAWARE ( State of Incorporation ) Title of each class Common Stock , par value $ 0.01 per share 9.000 % Senior Notes due 2021 437 MADISON AVENUE , 38th Floor , NEW YORK , NEW YORK 10022 ( Address of principal executive offices ) ( Zip Code ) 000 04-3291176 ( IRS Employer Identification No. ) ( 212 ) 328-2100 ( Registrant's telephone number , including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : Trading symbols MFIN MFINL Name of each exchange on which registered NASDAQ Global Select Market NASDAQ Global Select Market Securities registered pursuant to Section 12 ( g ) of the Act : None NO Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . YES Indicated by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . YES NO > Indicate by check mark whether the registrant ( 1 ) has filed all reports required 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 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 NO Indicate by check mark whether the registrant submitted electronically every Interactive Data File required to 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 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 an emerging growth company . See the definitions of " large accelerated filer , ” “ accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Non - accelerated filer Emerging growth company Accelerated filer Smaller reporting company If an emerging growth company , indicate by checkmark 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 accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . YES □ NO > The aggregate market value of the voting common equity held by non - affiliates of the registrant , computed by reference to the last reported price at which the stock was sold on June 30 , 2020 , was $ 54,470,199 . The number of outstanding shares of registrant's common stock , par value $ 0.01 , as of March 12 , 2021 was 25,039,969 . DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant's Definitive Proxy Statement for its 2021 Annual Meeting of Shareholders , which Definitive Proxy Statement will be filed with the Securities and Exchange Commission not later than 120 days after the registrant's fiscal year - end of December 31 , 2020 , are incorporated by reference into Part III of this Form 10 - K .