UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D.C. 20549

FORM 10-D

ASSET BACKED ISSUER
DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

For the monthly distribution period from: ~~July~~August 1816, 2025 to ~~August~~September 1517, 2025

Commission File Number of issuing entity: 333-227446-09

Central Index Key Number of issuing entity: 0001799463

Morgan Stanley Capital I Trust 2020-L4
(Exact name of issuing entity as specified in its charter)

Commission File Number of depositor: 333-227446

Central Index Key Number of depositor: 0001547361

Morgan Stanley Capital I Inc.
(Exact name of depositor as specified in its charter)

Central Index Key Number of sponsor (if applicable): 0001541557

Morgan Stanley Mortgage Capital Holdings LLC
(Exact name of sponsor as specified in its charter)

Central Index Key Number of sponsor (if applicable): 0001624053

Argentic Real Estate Finance LLC
(Exact name of sponsor as specified in its charter)

Central Index Key Number of sponsor (if applicable): 0001548405

Starwood Mortgage Capital LLC
(Exact name of sponsor as specified in its charter)

Central Index Key Number of sponsor (if applicable): 0001558761

Cantor Commercial Real Estate Lending, L.P.
(Exact name of sponsor as specified in its charter)

Jane Lam (212) 761-4000
(Name and telephone number, including area code, of the person to contact in connection with this filing)

New York
(State or other jurisdiction of incorporation or organization of the issuing entity)

38-4139211
38-4139212
38-7235669
(I.R.S. Employer Identification No.)

c/o Computershare Trust Company, N.A., as agent for
Wells Fargo Bank, National Association
9062 Old Annapolis Road
Columbia, MD 21045
(Address of principal executive offices of the issuing entity) (Zip Code)

(667) 786-1992
(Telephone number, including area code)

Not Applicable
(Former name, former address, if changed since last report)

Registered/reporting pursuant to (check one)

Title of Class	Section 12(b)	Section 12(g)	Section 15(d)	Name of Exchange (If Section 12(b))
A-1			X
A-SB			X
A-2			X
A-3			X
X-A			X
X-B			X
A-S			X
B			X
C			X

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. Yes X No

Part I - DISTRIBUTION INFORMATION

Item 1. Distribution and Pool Performance Information.

On ~~August~~September 1517, 2025 a distribution was made to holders of the certificates issued by Morgan Stanley Capital I Trust 2020-L4.

The distribution report is attached as an Exhibit to this Form 10-D, please see Item 10(b), Exhibit 99.1 for the related information.

NoThe ~~assets~~following ~~securitized~~table bypresents ~~Morgan~~the ~~Stanley~~loss ~~Mortgage~~information ~~Capital~~for ~~Holdings~~the ~~LLC,~~trust ~~Argentic~~assets ~~Real~~for ~~Estate~~the ~~Finance LLC, Starwood Mortgage Funding II LLC (formerly known as Archetype Mortgage Funding II LLC), and Cantor Commercial Real Estate Lending, L.P. (each a "Securitizer") and held by~~ Morgan Stanley Capital I Trust 2020-L4 ~~were~~in ~~the~~accordance ~~subject~~with ofItem a1100(b) ~~demand~~as torequired ~~repurchase~~by orItem ~~replace~~1121(a)(9) ~~for breach~~ of ~~the~~Regulation ~~representations~~AB: ~~and warranties during the monthly distribution period from July 18, 2025 to August 15, 2025.~~

MorganLoss StanleyInformation Mortgageas Capitalreported Holdings LLC filed its most recent Form ABS-15G on August 12September 17, 2025. The CIK number for Morgan Stanley Mortgage Capital Holdings LLC is 0001541557.

Argentic Real Estate Finance LLC filed its most recent Form ABS-15G on July 28, 2025. The CIK number for Argentic Real Estate Finance LLC is 0001624053.

Number of Delinquencies 30+ days	% of Delinquencies 30+ days by Pool Balance	Number of Loans/REOs with Losses	Average Net Loss
1	0.67%	0	N/A

~~Starwood~~ No assets securitized by Morgan Stanley Mortgage Capital Holdings LLC ~~filed~~, ~~its~~Argentic ~~most~~Real ~~recent~~Estate ~~Form~~Finance ~~ABS-15G~~LLC, ~~on January~~Starwood ~~23,~~Mortgage ~~2025.~~Funding ~~The~~II ~~CIK~~LLC ~~number~~(formerly ~~for Starwood~~known as Archetype Mortgage Funding II LLC), and Cantor Commercial Real Estate Lending, L.P. (each a "Securitizer") and held by Morgan Stanley Capital ~~LLC~~I isTrust 2020-L4 ~~0001548405~~were the subject of a demand to repurchase or replace for breach of the representations and warranties during the monthly distribution period from August 16, 2025 to September 17, 2025.

~~Cantor~~Morgan ~~Commercial~~Stanley ~~Real~~Mortgage ~~Estate~~Capital ~~Lending,~~Holdings ~~L.P.~~LLC filed its most recent Form ABS-15G on August 712, 2025. The CIK number for ~~Cantor~~ ~~Commercial~~Morgan ~~Real~~Stanley ~~Estate~~Mortgage ~~Lending,~~Capital ~~L.P.~~Holdings LLC is ~~0001558761~~ 0001541557.

~~Item~~Argentic ~~1A.~~Real ~~Asset~~Estate Finance LLC filed its most recent Form ABS-~~Level~~15G ~~Information~~on July 28, 2025. The CIK number for Argentic Real Estate Finance LLC is 0001624053.

~~ABS~~Starwood Mortgage ~~Asset~~Capital ~~Data File (~~LLC filed asits ~~Exhibit~~most ~~102~~recent ~~to the registrant's~~ Form ABS-EE15G ~~filed~~ on January ~~September 2~~23, 2025 ~~under Commission File No~~. ~~333-227446-09~~The ~~and~~CIK ~~incorporated~~number byfor Starwood ~~reference~~Mortgage Capital ~~herein).~~LLC is 0001548405.

~~ABS~~Cantor ~~Asset~~Commercial ~~Related~~Real ~~Document~~Estate (Lending, L.P. filed asits ~~Exhibit~~most ~~103~~recent ~~to the registrant's~~ Form ABS-EE15G ~~filed~~ on ~~September~~August 27, 2025 ~~under~~. ~~Commission~~The ~~File~~CIK ~~No.~~number ~~333-227446-09~~for ~~and~~Cantor ~~incorporated~~Commercial byReal ~~reference~~Estate ~~herein)~~Lending, L.P. is 0001558761.

~~Part~~Item II1A. Asset-Level ~~OTHER~~Information. ~~INFORMATION~~

~~Item~~ABS 9Asset Data File (filed as Exhibit 102 to the registrant's Form ABS-EE filed on October 1, 2025 under Commission File No. ~~Other~~333-227446-09 ~~Information~~and incorporated by reference herein).

~~Midland~~ABS ~~Loan~~Asset ~~Services,~~Related ADocument ~~Division~~(filed ofas ~~PNC~~Exhibit ~~Bank,~~103 ~~National~~to ~~Association,~~the inregistrant's ~~its~~Form ~~capacity~~ABS-EE asfiled ~~Master~~on ~~Servicer~~October ~~for~~1, ~~Morgan~~2025 under ~~Stanley~~Commission ~~Capital~~File INo. ~~Trust 2020~~333-~~L4,~~227446-09 ~~affirms~~and ~~the~~incorporated ~~following~~by ~~amounts~~reference inherein). ~~the respective accounts:~~

Collection Account
Prior Distribution Date	07/17/2025	$17,500.00
Current Distribution Date	08/15/2025	$20,500.00

Part II - OTHER INFORMATION

REO Account
Prior Distribution Date	07/17/2025	$0.00
Current Distribution Date	08/15/2025	$0.00

Item 9. Other Information.

~~Computershare~~Midland ~~Trust~~Loan ~~Company~~Services, N.A., asDivision ~~agent~~of ~~for~~PNC ~~Wells Fargo~~ Bank, ~~N.A.~~National Association, in its capacity as ~~Certificate~~Master ~~Administrator~~Servicer for Morgan Stanley Capital I Trust 2020-L4, affirms the following amounts in the respective accounts:

Distribution Account
Collection Account
Prior Distribution Date	0708/1715/2025	$620,~~132~~500.4500
Current Distribution Date	0809/1517/2025	$635,~~334~~000.8800

Interest Reserve Account
REO Account
Prior Distribution Date	0708/1715/2025	$0.00
Current Distribution Date	0809/1517/2025	$0.00

Gain-on-Sale Reserve Account
Prior Distribution Date	07/17/2025	$0.00
Current Distribution Date	08/15/2025	$0.00

Computershare Trust Company, N.A., as agent for Wells Fargo Bank, N.A., in its capacity as Certificate Administrator for Morgan Stanley Capital I Trust 2020-L4, affirms the following amounts in the respective accounts:

Item 10. Exhibits.

Distribution Account
Prior Distribution Date	08/15/2025	$6,334.88
Current Distribution Date	09/17/2025	$6,332.99

(a) The following is a list of documents filed as part of this Report on Form 10-D:

Interest Reserve Account
Prior Distribution Date	08/15/2025	$0.00
Current Distribution Date	09/17/2025	$0.00

(99.1) Monthly report distributed to holders of the certificates issued by Morgan Stanley Capital I Trust 2020-L4, relating to the August 15, 2025 distribution.

Gain-on-Sale Reserve Account
Prior Distribution Date	08/15/2025	$0.00
Current Distribution Date	09/17/2025	$0.00

~~(102) ABS~~Item ~~Asset Data File (filed as Exhibit 102 to the registrant's Form ABS-EE filed on September 2, 2025 under Commission File No~~10. ~~333-227446-09 and incorporated by reference herein)~~Exhibits.

(~~103~~a) ~~ABS~~ ~~Asset~~The ~~Related~~following ~~Document~~is ~~(filed~~a aslist ~~Exhibit~~of ~~103~~documents tofiled ~~the~~as ~~registrant's~~part ~~Form~~of ~~ABS-EE~~this ~~filed~~Report on ~~September~~Form ~~2, 2025 under Commission File No. 333~~10-~~227446-09~~D: ~~and incorporated by reference herein).~~

(b99.1) ~~The~~ Monthly ~~exhibits~~report ~~required~~distributed to beholders ~~filed~~of the certificates issued by ~~the~~Morgan ~~Registrant~~Stanley ~~pursuant~~Capital toI ~~this~~Trust ~~Form~~2020-L4, ~~are~~relating ~~listed~~to ~~above~~the September 17, 2025 distribution.

~~SIGNATURES~~(102) ABS Asset Data File (filed as Exhibit 102 to the registrant's Form ABS-EE filed on October 1, 2025 under Commission File No. 333-227446-09 and incorporated by reference herein).

~~Pursuant~~(103) ABS toAsset ~~the~~Related ~~requirements~~Document of(filed ~~the~~as ~~Securities~~Exhibit ~~Exchange~~103 ~~Act~~to ~~of 1934,~~ the registrant's ~~has~~Form ~~duly~~ABS-EE ~~caused~~filed ~~this~~on ~~report~~October to1, be2025 ~~signed~~under onCommission ~~its~~File ~~behalf~~No. by333-227446-09 ~~the~~and ~~undersigned~~incorporated ~~thereunto~~by ~~duly~~reference ~~authorized~~herein).

~~Morgan~~(b) ~~Stanley~~The ~~Capital~~exhibits Irequired ~~Inc~~to be filed by the Registrant pursuant to this Form are listed above.~~(Depositor)~~

~~/s/ Jane LamJane Lam, President~~SIGNATURES

~~Date: August~~Pursuant 31to the requirements of the Securities Exchange Act of 1934, ~~2025~~the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Morgan Stanley Capital I Inc.
(Depositor)

/s/ Jane Lam
Jane Lam, President

Date: October 1, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549

FORM 10-D

ASSET BACKED ISSUER DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Registered/reporting pursuant to (check one)

MorganLoss StanleyInformation Mortgageas Capitalreported Holdings LLC filed its most recent Form ABS-15G on August 12September 17, 2025. The CIK number for Morgan Stanley Mortgage Capital Holdings LLC is 0001541557.

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D.C. 20549

ASSET BACKED ISSUER
DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

Filing Compare · Morgan Stanley Capital I Trust 2020-L4