How to Apply for a Morgan Stanley Loan – Eligibility & Full Process
Morgan Stanley, primarily known for wealth management and investment banking, also provides loan and credit services—but mainly to high-net-worth clients or those with brokerage accounts through Morgan Stanley Private Bank.
🏦 Types of Loans Offered by Morgan Stanley
Securities-Based Loans (SBL)
→ Borrow against your investment portfolio without selling assets.Tailored Lending Solutions
→ Large custom credit lines for real estate, aircraft, art, or luxury purchases.Mortgage Lending
→ Home loans for high-income individuals and private clients.CashPlus Line of Credit (for eligible Morgan Stanley clients)
→ For liquidity, with flexible repayment and interest-only options.
✅ Eligibility Criteria
| Requirement | Details |
|---|---|
| 👤 Client Type | Must be a Morgan Stanley Wealth Management client or have a brokerage account |
| 💰 Net Worth | Often tailored for high-net-worth individuals (HNWIs) |
| 📈 Credit Score | Generally 700+, but secondary to asset base |
| 🧾 Portfolio Value | For SBLs, portfolio minimums start around $100,000+ |
| 🌎 Residency | Must be a U.S. resident or a legal international client with a U.S.-based relationship |
📑 Documents Required
While the documentation is personalized, standard documents may include:
Government-issued ID (passport, driver’s license)
Proof of Assets – Morgan Stanley account portfolio, third-party brokerage holdings
Income Verification – Tax returns or employer letter
Loan Purpose Statement (for tailored lending or real estate loans)
Credit Authorization Form
📝 Full Application Process – Step by Step
🔹 Step 1: Become a Client
You must have a Morgan Stanley account – open a brokerage, CashPlus, or advisory account.
🔹 Step 2: Discuss With Your Financial Advisor
Schedule a consultation with your assigned Morgan Stanley Financial Advisor (FA) to discuss borrowing needs.
🔹 Step 3: Loan Structuring & Pre-Approval
Advisor structures a loan offer based on your assets, income, and needs.
🔹 Step 4: Document Submission
Submit identity, income, and portfolio-related documents for verification.
🔹 Step 5: Approval & Agreement Signing
Once approved, sign loan agreement via DocuSign or in person.
🔹 Step 6: Disbursement
Funds are disbursed to your account or directly to a third party (e.g., escrow agent, seller).
💡 Why Choose Morgan Stanley for Loans?
✅ No need to sell investments
✅ Customized terms
✅ Private lending for unique assets (real estate, art, etc.)
✅ Global financial planning integration
✅ Trusted by HNWIs and institutional clients
❓ FAQs – Morgan Stanley Loan 2025
Q1. Can a regular person apply for a Morgan Stanley loan?
Not typically. You must be a Morgan Stanley client, often with a significant asset portfolio.
Q2. What is a Securities-Based Loan (SBL)?
It’s a loan secured by your investment holdings. You keep ownership while accessing liquidity.
Q3. Does it affect my credit?
Yes, if reported, but often the approval is based more on assets than traditional credit scoring.