Construction Loans in Riverside, CA
Find lenders offering construction loans in the Riverside, including San Bernardino, Ontario, Corona, and surrounding areas. Compare rates, terms, and programs from 13 lenders.
Construction Lenders Serving Riverside
13 lenders offering construction loans in the Riverside, CA area.
CoreVest Finance
LocalIrvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
Stbridge Capital
LocalLos Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Wells Fargo
LocalSan Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Bank of America
Charlotte, NC
One of the largest US banks. Commercial real estate lending, construction financing, and SBA loans through nationwide branch network.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
JPMorgan Chase
New York, NY
Major CMBS originator and commercial lender. Full range of CRE financing including conduit, agency, and balance sheet.
KeyBank Real Estate Capital
Cleveland, OH
Major bank CRE lender. Balance sheet, agency, and CMBS lending for multifamily, office, retail, and industrial properties.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
Merchants Capital
Indianapolis, IN
Bank-backed commercial lender active in 47 states. Over $6.8B in financing. Specializes in multifamily, affordable housing, and healthcare.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
PNC Real Estate
Pittsburgh, PA
Top-10 US bank with dedicated commercial real estate lending. Construction, bridge, and permanent financing for major property types.
US Bank
Minneapolis, MN
Fifth-largest US bank. CRE lending including construction, permanent, and SBA loans. Strong in multifamily and affordable housing.
Vaster
Miami, FL
Commercial bridge loan lender for CRE investors. Flexible short-term financing for acquisition, rehab, and construction.
Riverside Commercial Real Estate Market
The Riverside-San Bernardino metro, known as the Inland Empire, is one of the nation's largest industrial markets, driven by its role as the primary distribution hub for goods arriving through the Ports of Los Angeles and Long Beach. The I-10, I-15, and I-215 freeway corridors are lined with massive distribution centers serving e-commerce giants like Amazon, which operates multiple fulfillment and sortation centers in the region. Office and retail activity concentrates in the Ontario-Rancho Cucamonga corridor and around the University of California, Riverside campus. The west end of the Inland Empire around Ontario and Eastvale has attracted newer industrial construction, while the eastern portions near Moreno Valley and Perris offer lower land costs for large-format facilities.
Key Economic Drivers
- ●E-commerce fulfillment and third-party logistics operations (Amazon, FedEx, UPS mega-hubs)
- ●Ontario International Airport and its expanding cargo operations
- ●March Air Reserve Base industrial complex near Moreno Valley
- ●University of California, Riverside research campus and medical school
Market Insight
The Inland Empire has absorbed over 250 million square feet of industrial space since 2020, but rising land costs and local zoning pushback against new warehouse development in cities like Beaumont and Calimesa are constraining future supply and pushing rents higher.
Construction Loans in Riverside, California
Commercial construction loans fund new development or major rehabilitation projects. Funds are disbursed in stages as construction progresses. Most are short-term (12-36 months) and convert to permanent financing upon completion. In the Riverside metro area, borrowers can access 13 lenders offering Construction financing, including San Bernardino, Ontario, Corona, and surrounding areas. Loan amounts typically range from $500K to $100M with rates from 7% - 10%.
Who Should Consider Construction Loans?
- Ground-up development
- Major renovations
- Land + construction
- Build-to-suit projects
Key Requirements
- Detailed construction plans and budget
- Licensed general contractor
- Building permits
- Development experience (strongly preferred)
- 20-35% equity
Advantages
- ✓Interest only on drawn funds
- ✓Funds disbursed as needed
- ✓Can include land acquisition
- ✓Construction-to-permanent options available
Considerations
- •Requires detailed plans and budgets
- •Draw schedule inspections
- •Higher rates during construction
- •Completion risk on borrower
Construction Loans in Other California Cities
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