SBA 504 Loans in Riverside, CA
Find lenders offering sba 504 loans in the Riverside, including San Bernardino, Ontario, Corona, and surrounding areas. Compare rates, terms, and programs from 28 lenders.
SBA 504 Lenders Serving Riverside
28 lenders offering sba 504 loans in the Riverside, CA area.
Bank of Hope
Local SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
California Statewide Certified Development Corporation
Local SBADavis, CA
One of California's largest Certified Development Companies (CDCs), specializing in SBA 504 loans for commercial real estate and heavy equipment. Provides long-term, below-market fixed-rate financing for owner-occupied properties.
East West Bank
Local SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
Southland Economic Development Corporation
Local SBASanta Ana, CA
Santa Ana, California-based Certified Development Company authorized to offer SBA 504 loans. Actively serves small businesses throughout the Southern California region with long-term, fixed-rate financing for real estate and equipment.
Advantage Certified Development Corporation
Local SBALong Beach, CA
Long Beach, California-based Certified Development Company providing SBA 504 loans to small businesses. Offers long-term, fixed-rate financing for commercial real estate and equipment in Southern California.
Wells Fargo
LocalSan Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Capital Access Group, Inc.
Local SBASan Francisco, CA
Cen Cal Business Finance Group
Local SBAFresno, CA
CDC Small Business Finance Corp.
Local SBASan Diego, CA
So Cal CDC
Local SBAMission Hills, CA
Superior California Economic Development, Inc.
Local SBARedding, CA
Arcata Economic Development Corporation
Local SBAEureka, CA
Business Finance Capital
Local SBALos Angeles, CA
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
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.
SBA 504 Loans in Riverside, California
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Riverside metro area, borrowers can access 28 lenders offering SBA 504 financing, including San Bernardino, Ontario, Corona, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who Should Consider SBA 504 Loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
Key Requirements
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
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