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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 10-K

         ANNUAL REPORT PURSUANT TO SECTION 13 OR L5(D) OF THE SECURITIES
                              EXCHANGE ACT OF 1934

                   FOR THE FISCAL YEAR ENDED DECEMBER 31, 1999

                        Commission file number 333-58126

  THE MONEY STORE INVESTMENT CORPORATION AND THE MONEY STORE OF NEW YORK, INC.
     ( AS ORIGINATORS UNDER A POOLING AND SERVICING AGREEMENT, DATED AS OF
   MAY 31, 1999 PROVIDING FOR THE ISSUANCE OF THE MONEY STORE SBA LOAN-BACKED
        ADJUSTABLE RATE CERTIFICATES SERIES 1999-1, CLASS A AND CLASS B).

                     THE MONEY STORE INVESTMENT CORPORATION
                      AND THE MONEY STORE OF NEW YORK, INC.
             (Exact name of registrant as specified in its charter)

           NEW JERSEY/NEW YORK                      22-3143559/22-2293019
     -------------------------------                ---------------------
     (State or other jurisdiction                   (Trust I.R.S. Employer
     of incorporation or organization)                 Identification No.)


707 THIRD STREET, WEST SACRAMENTO, CALIFORNIA                95605
---------------------------------------------            ---------------
(Address of principal executive offices)                    (Zip Code)

        Registrant's telephone number, including area code (916) 617-1000
                                                           --------------


           Securities registered pursuant to section 12(b) of the Act:

TITLE OF EACH CLASS                   NAME OF EACH EXCHANGE ON WHICH REGISTERED
-------------------                   -----------------------------------------
         NONE                                          NONE


           Securities registered pursuant to section 12(g) of the Act:

                                      NONE
                                 --------------
                                (Title of class)

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.

 |X| Yes    |_|  No

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K (ss. 229.405 of this chapter) is not contained herein, and
will not be contained, to the best of registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K.

          Not Applicable.

State the aggregate market value of the Voting Stock held by non-affiliates of
the registrant.

          Not Applicable

Indicate the number of shares outstanding of each of the registrant's classes of
common stock, as of December 31, 1996.

          Not Applicable

This Annual Report on Form 10-K is filed pursuant to a request for no-action
letter forwarded to the Office of Chief Counsel Division of Corporate Financing,
dated September 2, 1993, and the response of the SEC, dated January 7, 1994, to
the no-action request.

<PAGE>

                                     PART I

ITEM 1.   BUSINESS

          Omitted pursuant to the "Request for no-action letter forwarded to the
          Office of Chief Counsel Division of Corporate Financing," dated
          September 2, 1993, and the response of the SEC, dated January 7, 1994,
          to the no-action request.

ITEM 2.   PROPERTIES

          Reference is made to the Annual Compliance Certificate attached hereto
          as Exhibit 20.

          Reference is made to the Annual Statement attached hereto as Exhibit
          13.

ITEM 3.   LEGAL PROCEEDINGS

          None.

ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

          None.


                                     PART II

ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

          There is no established trading market for Registrant's securities
          subject to this filing.

          Number of holders of record of the Certificates as of March 15, 2000:
          17

ITEM 6.   SELECTED FINANCIAL DATA

          Omitted pursuant to the "Request for no-action letter forwarded to the
          Office of Chief Counsel Division of Corporate Financing," dated
          September 2, 1993, and the response of the SEC, dated January 7, 1994,
          to the no-action request.

ITEM 7.   MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
          RESULTS OF OPERATIONS

          Omitted pursuant to the "Request for no-action letter forwarded to the
          Office of Chief Counsel Division of Corporate Financing," dated
          September 2, 1993, and the response of the SEC, dated January 7, 1994,
          to the no-action request.

ITEM 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

          Not Applicable.

ITEM 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

          Reference is made to the Annual Compliance Certificate attached as
          Exhibit 20.

          Reference is made to the annual Independent Accountant's Report on the
          Servicer's compliance with loan servicing standards as prepared by
          KPMG Peat Marwick, the Servicer's and Registrant's Independent
          Certified Public Accountants, accompanied by the Registrant's
          Management Assertion, and attached as Exhibit 99 hereto.

ITEM 9.   CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
          FINANCIAL DISCLOSURE

          None.


                                    PART III

ITEM 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

          Omitted pursuant to the "Request for no-action letter forwarded to the
          Office of Chief Counsel Division of Corporate Financing," dated
          September 2, 1993, and the response of the SEC, dated January 7, 1994,
          to the no-action request.

ITEM 11.  EXECUTIVE COMPENSATION

          Omitted pursuant to the "Request for no-action letter forwarded to the
          Office of Chief Counsel Division of Corporate Financing," dated
          September 2, 1993, and the response of the SEC, dated January 7, 1994,
          to the no-action request.

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

          The following information is furnished as of March 15, 2000 as to each
          Certificateholder of record of more than 5% of the Certificates:

<TABLE>
<CAPTION>


                                   Name and Address of                  Amount of Security of
Title of Class                     Beneficial Owner                      Beneficial Owner            % of Class

<S>                                <C>                                        <C>                      <C>
The Money Store                    Chase Manhattan Bank                       $16,850,000              17.9
SBA Loan-Backed Adjustable Rate    4 New York Plaza, 13th Floor
Certificates,                      New York, NY  10004
Class A
                                   FUNB-Phila. Main                           $5,000,000                5.3
                                   123 South Broad Street
                                   Philadelphia, PA  19109

                                   Norwest Bank Minnesota, National           $19,000,000              20.2
                                   Association
                                   733 Marquette Avenue
                                   Minneapolis, MN 55479-0056

                                   Boston Safe Deposit and                    $6,900,000                7.3
                                     Trust Company
                                   c/o Mellon Bank, N.A.
                                   Three Mellon Bank Center,
                                   Room 153-3015
                                   Pittsburgh, PA  15259

                                   The Northern Trust Company                 $5,100,000                5.4
                                   801 S. Canal C-IN
                                   Chicago, IL  60607

                                   PNC Bank, National Association             $9,400,000               10.0
                                   1600 Market Street
                                   29th Floor
                                   Philadelphia, PA  19103

                                   State Street Bank and                      $20,500,000              21.8
                                     Trust Company
                                   1776 Heritage Drive
                                   Global Corporate Action Unit
                                     JAB5NW
                                   No. Quincy, MA  02171

The Money Store                  First Union Securities, Inc.                $2,888,000                100%
SBA Loan-Backed Adjustable       8739 Research Blvd.
Rate Certificates,               Charlotte, NC  28262-0675
Class M
</TABLE>


ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

          (a)      None

          (b)-(d) Omitted pursuant to the "Request for no-action letter
          forwarded to the Office of Chief Counsel Division of Corporate
          Financing," dated September 2, 1993, and the response of the SEC,
          dated January 7, 1994, to the no-action request.


                                     PART IV

ITEM 14.  EXHIBITS, FINANCIAL STATEMENTS, AND REPORTS ON FORM 8-K

(a)
          1.      Not applicable.

          2.      Not applicable

          3.      Exhibits

                  13.  Annual Statement

                  20.  Annual Compliance Certificate

                  99.   Annual Independent Accountant's Report on the Servicer's
                        compliance with loan servicing standards as prepared by
                        KPMG Peat Marwick, the Servicer's and Registrant's
                        Independent Certified Public Accountants, accompanied by
                        the Registrant's Management Assertion.

(b)-(d)   Omitted pursuant to the "Request for no-action letter forwarded to the
          Office of Chief Counsel Division of Corporate Financing," dated
          September 2, 1993, and the response of the SEC, dated January 7, 1994,
          to the no-action request.


<PAGE>

                                   SIGNATURES


Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the Registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized as representative on behalf
of the trust on the 30th day of March, 2000.


                                THE MONEY STORE INVESTMENT CORPORATION
                                THE MONEY STORE OF NEW YORK, INC.


                                By: /s/ Arthur Q. Lyon
                                   -------------------------
                                    Name:   Arthur Q. Lyon
                                    Title:  Chief Financial Officer

<PAGE>


                                  EXHIBIT INDEX


  DESCRIPTION                                                   PAGE NUMBER

Annual Statement                                                     7

Annual Compliance Certificate                                       11

Annual Independent Accountant's Report                              12