EXHIBIT 20

                              OFFICER'S CERTIFICATE
                        ANNUAL STATEMENT AS TO COMPLIANCE

     I, Arthur Q. Lyon, Chief Financial Officer of The Money Store Inc., a New
Jersey Corporation (the "Company"), do hereby certify that:

As servicer under the Pooling and Servicing Agreement dated as of February 28,
1998 (the "Agreement") with respect to The Money Store SBA Loan-Backed
Adjustable Rate Certificates, Series 1998-1; (i) the Company has fully complied
with the provisions of Article V and VII, (ii) a review of the activities of the
Company during the preceding calendar year and of performance under the
Agreement has been made under my supervision, and (iii) to the best of my
knowledge, based on such review, the Company has fulfilled all its obligations
under the Agreement throughout such year.


     The Company has provided this Officer's Certificate to those parties listed
in Section 7.04 of the Agreements.

     IN WITNESS WHEREOF, the undersigned has executed this Certificate as of
April 16, 2001.



                                        /S/  ARTHUR Q. LYON
                                        --------------------------
                                        Arthur Q. Lyon
                                        Chief Financial Officer

<PAGE>

                              OFFICER'S CERTIFICATE
                        ANNUAL STATEMENT AS TO COMPLIANCE

     I, Donald Coombe, Vice President - Loan Servicing of The Money Store
Investment Corporation, a New Jersey Corporation (the "Company"), do hereby
certify that:

As servicer under the Pooling and Servicing Agreement dated as of February 28,
1998 (the "Agreement") with respect to The Money Store SBA Loan-Backed
Adjustable Rate Certificates, Series 1998-1; (i) the Company has fully complied
with the provisions of Article V and VII, (ii) a review of the activities of the
Company during the preceding calendar year and of performance under the
Agreement has been made under my supervision, and (iii) to the best of my
knowledge, based on such review, the Company has fulfilled all its obligations
under the Agreement throughout such year.


     The Company has provided this Officer's Certificate to those parties listed
in Section 7.04 of the Agreements.

     IN WITNESS WHEREOF, the undersigned has executed this Certificate as of
April 16, 2001.


                                        /S/  DONALD COOMBE
                                        ------------------
                                        Donald Coombe
                                        Vice President - Loan Servicing
                                        The Money Store Investment Corporation

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                         INDEPENDENT ACCOUNTANTS' REPORT


The Board of Directors
The Money Store Investment Corporation and
The Money Store Commercial Mortgage, Inc. d/b/a
    First Union Small Business Capital

We have examined management's assertion, included in the accompanying management
assertion, that The Money Store Investment Corporation and The Money Store
Commercial Mortgage, Inc. d/b/a First Union Small Business Capital (a
wholly-owned subsidiary of First Union National Bank) (the Company) complied
with the minimum servicing standards relating to its servicing of business
loans, set forth in the Mortgage Bankers Association of America's (MBA) UNIFORM
SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS (USAP), except minimum servicing
standards V.4. and VI.1., which the MBA has interpreted as being inapplicable to
the servicing of commercial and multifamily loans, as of and for the year ended
December 31, 2000. Management is responsible for the Company's compliance with
those minimum servicing standards. Our responsibility is to express an opinion
on the Company's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the applicable minimum servicing standards and performing such
other procedures as we considered necessary in the circumstances. We believe
that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Company's compliance
with the applicable minimum servicing standards.

In our opinion, management's assertion that the Company complied in all material
respects with the aforementioned applicable minimum servicing standards relating
to its servicing of business loans as of and for the year ended December 31,
2000 is fairly stated, in all material respects.



March 16, 2001


<PAGE>
                             MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 2000, The Money Store Investment
Corporation and The Money Store Commercial Mortgage, Inc. d/b/a First Union
Small Business Capital (the Company) has complied in all material respects with
the minimum servicing standards relating to its servicing of business loans, set
forth in the Mortgage Bankers Association of America's (MBA) UNIFORM SINGLE
ATTESTATION PROGRAM FOR MORTGAGE BANKERS (USAP), except minimum servicing
standards V.4. and VI.1., which the MBA has interpreted as being inapplicable to
the servicing of commercial and multifamily loans.

As of and for the year ended December 31, 2000, the Company had in effect
fidelity bond and errors and omissions policies in the amounts of $206 million
and $20 million, respectively.



 /s/ Donna Jordan Serres                                       MARCH 16, 2001
--------------------------------------------                   --------------
       Donna Jordan Serres                                        Date
    Chief Operating Officer
  The Money Store Investment Corp; and
  The Money Store Commercial Mortgage, Inc. d/b/a
     First Union Small Business Capital



 /s/ Donald W. Coombe                                           MARCH 16, 2001
--------------------------------------------                   --------------
               Donald W. Coombe                                     Date
    The Money Store Investment Corp; and
 The Money Store Commercial Mortgage, Inc. d/b/a
        First Union Small Business Capital