Searching for trusted Inland Empire SBA lenders to fuel your business growth? Our comprehensive directory connects Inland Empire entrepreneurs with approved SBA loan providers throughout Riverside, San Bernardino, Ontario, Rancho Cucamonga and across the region. Whether you’re pursuing SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Inland Empire businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the perfect financing partner to help your Inland Empire small business thrive in Southern California’s dynamic economic landscape.
| Company | Phone | Programs |
|---|---|---|
| Advantage Certified Development Company | (562) 983-7450 | 504 |
| AltaPacific Bank | (909) 256-5302 | PLP-EXPR |
| American Business Bank | (714) 315-4915 | PLP-EXPR |
| American Continental Bank | (626) 248-3663 | PLP-EXPR |
| Ampac Tri State CDC | (909) 915-1706 | 504-Microlender |
| Banc of California | (949) 383-9443 | PLP-EXPR |
| Bank of America | (866) 953-2481 | PLP-EXPR-EWCP |
| Bank of Hope | (213) 427-6347 | PLP-EXPR |
| Bank of Southern California, NA | (858) 847-4783 | PLP-EXPR |
| Bank of the West | (866) 971-5331 | PLP-EXPR |
| BankUnited, National Association | (865) 531-4243 | PLP-EXPR |
| Banner Bank | (909) 483-8885 | PLP-EXPR-EWCP |
| Bay Area EDC | (925) 926-1020 | 504 |
| BBVA Compass Bank | (480) 239-0464 | PLP-EXPR-EWCP |
| Beacon Business Bank, NA | (213) 315-4600 | PLP-EXPR-EWCP |
| Bourns Employees Federal Credit Union | (951) 781-5600 | EXPR |
| Bridge Bank | (949) 438-4006 | PLP-EXPR-EWCP |
| BSD Capital LLC dba Lendistry | (844) 662-7297 | Community Advantage |
| Business Finance Capital | (213) 797-6700 | 504 |
| Byline Bank | (847) 805-9520 | PLP-EXPR-EWCP |
| California Bank of Commerce | (925) 283-2265 | PLP-EXPR |
| California Business Bank | (714) 389-9970 | PLP-EXPR |
| California CU | (818) 291-5512 | PLP-EXPR |
| California International Bank | (714) 338-8700 | |
| California Statewide CDC | (530) 756-9310 | 504- Community Advantage |
| CalPrivate Bank | (619) 719-4019 | PLP-EXPR |
| Cathay Bank | (626) 279-3210 | PLP-EXPR-EWCP |
| CDC Small Business Finance | (800) 611-5170 | 504-Microlender-Community Advantage |
| Celtic Bank | (801) 363-6500 | PLP-EXPR |
| CenterStone SBA Lending, Inc. | (213) 805-5220 | PLP |
| Citibank, NA | (714) 932-2037 | PLP-EXPR-EWCP |
| Citizens Bank | (423) 547-2078 | PLP-EXPR-EWCP |
| Citizens Business Bank | (909) 980-4030 | PLP-EXPR |
| City National Bank | (800) 722-5945 | PLP-EXPR-EWCP |
| Comerica Bank – California | (714) 424-3838 | PLP-EXPR-EWCP |
| Commercial Bank of California | (714) 431-7000 | PLP-EXPR |
| Commonwealth Business Bank | (323) 988-3000 | PLP-EXPR-EWCP |
| Community Commerce Bank | (909) 625-7891 | |
| Community Valley Bank | (760) 352-1889 | PLP-EXPR |
| Crestmark, a division of MetaBank | (248) 267-1695 | PLP-EXPR |
| CRF Small Business Loan Co., LLC | (612) 338-3050 | PLP-EXPR |
| Crossroads Small Business Solutions, LLC | (877) 675-0500 | PLP |
| CTBC Bank Corp. (USA). | (424) 277-4526 | PLP-EXPR-EWCP |
| East West Bank | (626) 979-5076 | PLP-EXPR-EWCP |
| E-Central CU | (626) 799-6000 | PLP |
| Enterprise Funding Corporation | (909) 792-3803 | 504 |
| EverTrust Bank | (626) 993-3800 | PLP-EXPR |
| Fidelity Bank | (404) 553-2350 | PLP-EXPR-EWCP |
| FinWise Bank | (801) 545-6000 | PLP-EXPR |
| First Bank | (910) 576-2265 | PLP-EXPR |
| First Bank Financial Centre | (951) 231-5665 | PLP-EXPR-EWCP |
| First Choice Bank | (877) 256-9809 | PLP-EXPR |
| First Financial Bank | (870) 863-7000 | PLP-EXPR |
| First Foundation Bank | (949) 202-4100 | PLP-EXPR |
| First General Bank | (626) 363-8893 | PLP-EXPR-EWCP |
| First Home Bank | (727) 399-5680 | PLP-EXPR |
| First National Bank of Southern California | (951) 788-2265 | PLP-EXPR |
| First-Citizens Bank & Trust Company | (919) 716-8818 | PLP-EXPR-EWCP |
| Five Star Bank | (916) 626-5000 | PLP-EXPR-EWCP |
| Florida Capital Bank, NA | (904) 407-4740 | PLP |
| GBC International Bank | (714) 898-9292 | PLP-EXPR-EWCP |
| Gulf Coast Bank and Trust Company | (504) 561-6100 | PLP-EXPR-EWCP |
| Hana Small Business Lending | (800) 476-9788 | PLP |
| Hanmi Bank | (213) 427-3182 | PLP-EXPR-EWCP |
| Harvest Small Business Finance, LLC | (858) 414-7600 | PLP |
| Home Bank of California | (858) 270-5881 | PLP |
| Home Street Bank | (949) 383-2022 | PLP-EXPR-EWCP |
| Horizon Community Bank | (928) 854-3000 | PLP-EXPR |
| Independence Bank | (401) 886-4600 | PLP-EXPR-EWCP |
| Infinity Bank | (657) 223-1000 | |
| International City Bank | (562) 436-9800 | PLP-EXPR-EWCP |
| JPMorgan Chase Bank | (562) 537-8326 | PLP-EXPR |
| KeyPoint CU | (888) 255-3637 | PLP-EXPR |
| Kinecta FCU | (949) 253-5324 | PLP-EXPR |
| Live Oak Banking Company | (877) 890-5867 | PLP-EXPR |
| Main Street Launch | (510) 763-4297 | Community Advantage |
| Manufacturers Bank | (949) 253-5600 | PLP-EXPR-EWCP |
| Meadows Bank | (916) 427-5772 | PLP-EXPR |
| Mechanics Bank | (760) 836-3038 | |
| Midwest Regional Bank | (636) 937-5351 | EWCP |
| Mission Valley Bank | (818) 394-2300 | PLP-EXPR |
| Mohave State Bank | (928) 855-0000 | PLP-EXPR |
| Mortgage Capital Development Corp. dba TMC Financing | (310) 499-8921 | 504 |
| MUFG Union Bank, N.A. | (949) 553-4361 | PLP-EXPR-EWCP |
| Nano Bank | (844) 626-0262 | PLP-EXPR |
| New Omni Bank National Association | (626) 284-5555 | PLP-EXPR-EWCP |
| Newtek Small Busines Finance, Inc. | (855) 284-3722 | PLP-EXPR-EWCP |
| NOA Bank | (678) 385-0800 | PLP-EXPR |
| Open Bank | (213) 892-1164 | PLP-EXPR-EWCP |
| Pacific Alliance Bank | (626) 773-8888 | PLP-EXPR |
| Pacific City Bank | (213) 355-8823 | PLP-EXPR |
| Pacific Enterprise Bank | (949) 623-7600 | PLP-EXPR |
| Pacific Premier Bank | (949) 864-8516 | PLP-EXPR |
| Pacific Western Bank | (714) 637-7282 | PLP-EXPR-EWCP |
| Partners Bank of California | (949) 732-4020 | PLP-EXPR |
| Pinnacle Bank | (408) 762-7171 | PLP |
| Poppy Bank | (714) 813-0142 | PLP-EXPR |
| Radius Bank | (312) 767-2665 | PLP-EXPR |
| ReadyCap Lending | (800) 453-3548 | PLP-EXPR |
| Redding Bank of Commerce | (530) 224-3333 | PLP-EXPR |
| Royal Business Bank | (626) 307-7516 | PLP-EXPR-EWCP |
| SCE Federal Credit Union | (800) 866-6474 | EXPR |
| Seacoast Commerce Bank | (949) 373-7335 | PLP-EXPR |
| Shinhan Bank America | (213) 251-3090 | PLP-EXPR-EWCP |
| Silvergate Bank | (858) 362-6300 | |
| SoCal CDC | (818) 638-7001 | 504 |
| Southland EDC | (714) 868-0001 | 504 |
| Spirit of Texas Bank, SSB | (979) 846-8000 | PLP-EXPR-EWCP |
| State Bank and Trust Company | (404) 266-4600 | PLP-EXPR |
| Stearns Bank National Association | (320) 253-6607 | PLP-EXPR-EWCP |
| Suncrest Bank | (559) 802-1000 | PLP-EXPR |
| SunWest Bank | (714) 730-4459 | PLP-EXPR |
| T Bank, National Association | (972) 720-9000 | PLP |
| The Bancorp Bank | (855) 812-5374 | PLP-EXPR |
| Tustin Community Bank | (714) 730-5662 | |
| Umpqua Bank | (551) 440-3970 | PLP-EXPR-EWCP |
| United Business Bank | (925) 476-1800 | PLP-EXPR |
| United Community Bank | (800) 822-2651 | PLP-EXPR |
| United Midwest Savings Bank | (614) 827-7206 | PLP-EXPR |
| United Pacific Bank | (626) 965-6230 | PLP-EXPR-EWCP |
| Uniti Bank | (213) 401-3205 | PLP |
| US Bank | (949) 224-7151 | PLP-EXPR-EWCP |
| US Metro Bank | (714) 823-4253 | PLP-EXPR |
| Valley Economic Development Center | (818) 907-9977 | Community Advantage, Microlender |
| Vision One Credit Union | (916) 363-4293 | PLP-EXPR |
| Wallis State Bank | (713) 935-3760 | PLP-EXPR-EWCP |
| Wells Fargo Bank | (949) 668-9444 | PLP-EXPR-EWCP |
| West Town Bank & Trust | (708) 447-3330 | PLP-EXPR |
| West Valley National Bank | (623) 536-9862 | |
| Woori America Bank | (212) 244-1500 | PLP-EXPR |
| Zions Bancorporation, N.A. dba California Bank & Trust | (714) 861-7624 | PLP-EXPR-EWCP |
Frequently Asked Questions
Q: What are SBA loans and how do they work in the Inland Empire?
A: SBA loans are government-backed loans provided through approved lenders in the Inland Empire. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Inland Empire small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Inland Empire entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Inland Empire businesses?
A: Inland Empire businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in the Inland Empire?
A: To qualify for an SBA loan in the Inland Empire, businesses typically need:
- Operating history of at least 2 years (though some lenders work with startups)
- For-profit operation based in Riverside or San Bernardino counties
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
Q: How do Inland Empire SBA lenders support logistics and warehousing businesses?
A: The Inland Empire’s strategic location as a logistics hub has created specialized SBA lending expertise in this sector. Many local SBA lenders offer tailored financing solutions for warehousing, distribution, and transportation companies. The SBA 504 program is particularly popular for logistics businesses purchasing warehouse facilities, with some Inland Empire lenders offering specialized packages that include both real estate and equipment financing. These lenders understand the region’s unique position in the supply chain and can structure loans to accommodate the industry’s specific cash flow patterns.
Q: Are there special SBA loan programs for Inland Empire manufacturing businesses?
A: Yes, the Inland Empire’s manufacturing sector benefits from several specialized SBA lending programs. The SBA 504 program offers advantageous terms for manufacturers purchasing equipment or facilities, with some Inland Empire lenders providing additional benefits for manufacturing businesses implementing energy-efficient technologies. Several Inland Empire economic development agencies partner with SBA lenders to provide complementary support for manufacturers, including the Manufacturers’ Council of the Inland Empire and the region’s Manufacturing Extension Partnership center.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.