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1. Company Snapshot

1.a. Company Description

Mill City Ventures III, Ltd.is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, or growth.It primarily focuses on investing in, lending to, and making managerial assistance available to privately held and publicly traded companies.


The firm also advises its portfolio companies with regard to finance and operations.It was formerly known as Poker Magic, Inc.Mill City Ventures III, Ltd.


was founded in January, 2006 and is based in Wayzata, Minnesota.

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1.b. Last Insights on MCVT

Mill City Ventures III, Ltd.'s recent performance was driven by strategic refinancing and origination activities. The company successfully increased the yield on its $2.5 million credit facility by 9% to 24%, enhancing its revenue streams. Additionally, it originated a new $400,000 high-yield loan, expanding its loan portfolio and diversifying its income sources. These moves demonstrate the company's ability to adapt to market conditions and capitalize on opportunities, bolstering its financial flexibility and growth prospects.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Mill City Reports Second Quarter 2025 Results; Provides Update on SUI Treasury Strategy Launched on July 31, 2025

Aug -14

Source: globenewswire.com

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MCVT Surpasses 81.8 Million SUI in Its Treasury

Aug -11

Source: businesswire.com

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Mill City Partners with Galaxy Digital for Treasury Management, Advancing Institutional-Grade Access to Sui Blockchain

Aug -07

Source: businesswire.com

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Mill City Ventures Announces $500 Million Equity Line Agreement to Accelerate Growth of Sui Treasury Strategy

Aug -01

Source: businesswire.com

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Mill City Ventures III, Ltd. Announces $450,000,000 Private Placement to Initiate Sui Treasury Strategy

Jul -28

Source: businesswire.com

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Mill City Ventures III, Ltd. Increases Yield on $2.5M Credit Facility and Originates New $400K High-Yield Loan

Jul -07

Source: accessnewswire.com

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Mill City Ventures III, Ltd. Reports First Quarter 2025 Financial Results

May -13

Source: accessnewswire.com

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Mill City Ventures III, Ltd Provides $1.75M in Funding to Support Senior Living Facility Acquisition in Minnesota

Mar -25

Source: accessnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (12.50%)

6. Segments

Investment and Related Activities

Expected Growth: 12.5%

Growing demand for alternative financing solutions, increasing SMEs' need for capital, and Mill City Ventures III's diversified investment portfolio drive growth.

7. Detailed Products

Short-Term Loans

Mill City Ventures III, Ltd. offers short-term loans to individuals and businesses, providing quick access to capital for unexpected expenses or financial emergencies.

Merchant Cash Advance

The company provides merchant cash advances, allowing businesses to receive immediate funding in exchange for a percentage of future sales.

Invoice Financing

Mill City Ventures III, Ltd. offers invoice financing, enabling businesses to receive immediate payment on outstanding invoices.

Equipment Financing

The company provides equipment financing options, allowing businesses to acquire new equipment or upgrade existing assets.

Real Estate Financing

Mill City Ventures III, Ltd. offers real estate financing options, including fix-and-flip loans and rental property financing.

8. Mill City Ventures III, Ltd.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes is moderate due to the presence of alternative investment options, but Mill City Ventures III, Ltd. has a strong brand reputation and diversified portfolio that reduces the likelihood of customers switching to substitutes.

Bargaining Power Of Customers

The bargaining power of customers is low due to the company's strong brand reputation and diversified portfolio, which reduces the customers' ability to negotiate prices or demand customized services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate due to the presence of multiple suppliers in the market, but Mill City Ventures III, Ltd. has established long-term relationships with its suppliers, which reduces the suppliers' bargaining power.

Threat Of New Entrants

The threat of new entrants is high due to the relatively low barriers to entry in the investment industry, but Mill City Ventures III, Ltd. has a strong brand reputation and established relationships with its customers, which reduces the threat of new entrants.

Intensity Of Rivalry

The intensity of rivalry is high due to the presence of multiple players in the investment industry, but Mill City Ventures III, Ltd. has a diversified portfolio and strong brand reputation, which enables it to compete effectively with its rivals.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 0.10%
Debt Cost 9.03%
Equity Weight 99.90%
Equity Cost 9.03%
WACC 9.03%
Leverage 0.10%

11. Quality Control: Mill City Ventures III, Ltd. passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
NerdWallet

A-Score: 4.5/10

Value: 5.2

Growth: 7.1

Quality: 7.6

Yield: 0.0

Momentum: 3.5

Volatility: 3.3

1-Year Total Return ->

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Stock-Card
LendingClub

A-Score: 4.4/10

Value: 6.6

Growth: 3.9

Quality: 6.6

Yield: 0.0

Momentum: 6.5

Volatility: 3.0

1-Year Total Return ->

View Full Report
Stock-Card
Mill City Ventures III

A-Score: 4.2/10

Value: 1.6

Growth: 5.4

Quality: 8.2

Yield: 0.0

Momentum: 10.0

Volatility: 0.0

1-Year Total Return ->

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Stock-Card
CPI Card Group

A-Score: 3.8/10

Value: 8.4

Growth: 6.4

Quality: 4.7

Yield: 0.0

Momentum: 1.0

Volatility: 2.3

1-Year Total Return ->

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Stock-Card
Consumer Portfolio Services

A-Score: 3.8/10

Value: 7.3

Growth: 5.0

Quality: 4.8

Yield: 0.0

Momentum: 2.0

Volatility: 3.7

1-Year Total Return ->

View Full Report
Stock-Card
Nicholas Financial

A-Score: 3.3/10

Value: 8.2

Growth: 0.3

Quality: 4.6

Yield: 0.0

Momentum: 5.0

Volatility: 1.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

6.11$

Current Price

6.11$

Potential

-0.00%

Expected Cash-Flows