GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
104
2012–2026
Total Volume
$84M
Gross loan amounts
States Active
23
With recorded loans
Programs
504
104 total segments
Morgan Stanley Bank focuses exclusively on 504 loans, which is a significant departure from the national average of 18%. This specialization can benefit borrowers looking for real estate financing.
With an average deal size of $806,308, Morgan Stanley Bank is well-suited for borrowers seeking substantial funding, particularly in the $500K-$1M range where they have completed 33 deals.
The bank has shown a strong growth trend of 40% year-over-year, indicating a rising demand for their 504 loans. This could suggest a more favorable lending environment for potential borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 104 504 loans, which use fixed SBA debenture rates.
Top 15 of 23 states where MORGAN STANLEY BANK, NATIONAL ASSOCIATION has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Retail Trade
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Miscellaneous Retail
Retail Trade
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for MORGAN STANLEY BANK, NATIONAL ASSOCIATION, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Manufacturing · $500K – $1M | 504 | 4 | — | $760K | Q3 2025 |
| California · Specialty Trade Contractors · $1M – $2M | 504 | 3 | — | $1.2M | Q3 2024 |
| New York · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $266K | Q2 2014 |
| California · Arts, Entertainment & Recreation · $500K – $1M | 504 | 2 | — | $810K | Q4 2025 |
| Texas · Wholesale Trade · $2M – $5M | 504 | 2 | — | $3.5M | Q3 2024 |
| Florida · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $263K | Q4 2015 |
| California · Specialty Trade Contractors · $2M – $5M | 504 | 2 | — | $2.2M | Q1 2020 |
| Utah · Physician & Dental Offices · $500K – $1M | 504 | 2 | — | $641K | Q4 2019 |
| California · Other Repair & Services · $150K – $350K | 504 | 2 | — | $286K | Q3 2023 |
| California · Retail Trade · $500K – $1M | 504 | 2 | — | $607K | Q3 2020 |
| California · Auto Repair & Maintenance · $350K – $500K | 504 | 2 | — | $366K | Q1 2022 |
| California · Wholesale Trade · $500K – $1M | 504 | 2 | — | $856K | Q4 2018 |
| California · Legal Services · $500K – $1M | 504 | 1 | — | $767K | Q3 2019 |
| Florida · Legal Services · Under $150K | 504 | 1 | — | $119K | Q1 2015 |
| Ohio · Restaurants & Food Service · $350K – $500K | 504 | 1 | — | $476K | Q1 2023 |
| Tennessee · Other Health Practitioners · Under $150K | 504 | 1 | — | $136K | Q4 2012 |
| Arizona · Other Professional Services · $1M – $2M | 504 | 1 | — | $1.4M | Q1 2013 |
| California · Auto Dealers & Parts · $500K – $1M | 504 | 1 | — | $512K | Q4 2019 |
| Illinois · Transportation & Warehousing · $350K – $500K | 504 | 1 | — | $389K | Q3 2015 |
| New Mexico · Retail Trade · $500K – $1M | 504 | 1 | — | $710K | Q1 2022 |
| California · Laundry & Dry Cleaning · $350K – $500K | 504 | 1 | — | $446K | Q2 2012 |
| Georgia · Other Health Practitioners · $1M – $2M | 504 | 1 | — | $1.2M | Q1 2013 |
| Florida · Other Health Practitioners · $500K – $1M | 504 | 1 | — | $870K | Q2 2020 |
| Texas · Arts, Entertainment & Recreation · $1M – $2M | 504 | 1 | — | $1.0M | Q3 2023 |
| Indiana · Building Construction · Under $150K | 504 | 1 | — | $107K | Q4 2019 |
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Real experiences from borrowers who closed SBA loans with MORGAN STANLEY BANK, NATIONAL ASSOCIATION.
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