Industrial Property Financing in the Inland Empire and Southern California

Industrial commercial real estate is one of the most active asset classes in the Inland Empire, and one of the most competitive to finance. At Commercial Capital Partners, we specialize in industrial property loans for business owners and investors across San Bernardino County, Riverside County, and greater Southern California. Whether you are purchasing a warehouse, manufacturing facility, flex space, or distribution center, we structure financing that fits your goals.

Industrial Loan Programs

SBA 7(a) Loans for Industrial Properties

Owner-occupied industrial properties are an ideal fit for SBA 7(a) financing. With down payments as low as 10% and repayment terms up to 25 years, the SBA 7(a) loan allows business owners to purchase the building they operate from without deploying large amounts of capital. Loan amounts up to $5 million cover most industrial acquisitions in the Inland Empire market.

SBA 504 Loans for Industrial Real Estate

The SBA 504 program is structured specifically for owner-occupied commercial real estate and provides fixed below-market rates on a significant portion of the loan. For industrial buyers who want long-term rate certainty, the 504 is often the superior option. Down payments as low as 10%, with terms up to 25 years.

Conventional Industrial Property Loans

For investment properties, larger loan amounts, or situations where SBA financing does not apply, we source conventional commercial real estate loans through our network of banks and private lenders. These programs offer flexibility in underwriting and faster timelines for experienced investors.

Industrial Properties We Finance

  • Warehouses and distribution centers
  • Manufacturing and production facilities
  • Flex industrial and R&D space
  • Cold storage and food processing facilities
  • Truck terminals and logistics facilities
  • Light industrial and multi-tenant industrial parks

Recent Industrial Deals Closed

  • $3,386,200 SBA 7(a). Purchase of industrial property in Riverside, CA (transportation company)
  • $3,250,000 conventional refinance. Industrial property in Ontario, CA
  • $805,000 SBA 7(a). Purchase of industrial commercial property
  • $350,000 SBA 7(a). Purchase of industrial property in Chino, CA
  • $800,000 conventional refinance. Chino, CA

Inland Empire Industrial Market

The Inland Empire is one of the top industrial real estate markets in the United States, driven by its proximity to the ports of Los Angeles and Long Beach, Ontario International Airport, and a massive consumer base. Demand from e-commerce, logistics, and manufacturing continues to drive strong property values and occupancy throughout San Bernardino and Riverside Counties. Securing the right financing structure is critical in a competitive acquisition environment.

Get Financing for Your Industrial Property

Call Commercial Capital Partners at (909) 721-5915 or contact us online. We serve Rancho Cucamonga, Ontario, Chino, Fontana, Riverside, San Bernardino, and all of the Inland Empire and Southern California.

Industrial Commercial Property Financing: Warehouse, Distribution, and Flex Space Loans

Industrial real estate has become one of the most sought-after asset classes in commercial finance, driven by e-commerce growth, supply chain reshoring, and persistent demand for last-mile distribution space. At Commercial Capital Partners, we structure industrial property loans for warehouses, distribution centers, flex industrial, manufacturing facilities, and cold storage properties throughout the Inland Empire, the Coachella Valley, Los Angeles, and nationally.

Industrial Property Types We Finance

  • Single-tenant and multi-tenant warehouse buildings
  • Distribution centers and last-mile logistics facilities
  • Light industrial and flex industrial (combined office and warehouse)
  • Manufacturing and heavy industrial facilities
  • Cold storage and refrigerated distribution buildings
  • Owner-occupied industrial buildings for operating businesses
  • Industrial parks and multi-building portfolios

Industrial Financing Programs

  • Conventional commercial mortgages: For stabilized industrial properties with creditworthy tenants. LTVs up to 70%–75%, 5–10 year fixed rate terms, 20–25 year amortization, DSCR minimum 1.20x.
  • SBA 7(a) and SBA 504: For owner-occupant businesses purchasing their own industrial or warehouse building. As little as 10% down on 504, long fixed-rate financing on the CDC portion.
  • Bridge and construction loans: For value-add industrial acquisitions, expansions, or ground-up development. Short-term, interest-only during the project phase.
  • CMBS: Non-recourse industrial loans for stabilized single-tenant NNN-leased facilities. Best for borrowers seeking to preserve balance sheet flexibility.
  • Sale-leaseback financing: Allows businesses to sell their owned industrial building and lease it back, converting illiquid real estate equity into working capital while retaining operational use of the space.

Underwriting Industrial Properties

Industrial underwriting depends heavily on the tenant’s credit quality, the building’s functionality, and the local market vacancy. Single-tenant buildings occupied by investment-grade national tenants command the tightest cap rates and most favorable LTVs. Multi-tenant flex buildings require lenders to evaluate the weighted average lease term, in-place rents versus market rents, and the building’s adaptability to future tenants.

Clear height, dock doors, power capacity, truck court depth, and parking ratios all factor into a building’s functional utility score, which directly affects how lenders view its marketability in the event of vacancy. Properties with high clear heights (28 feet plus) and abundant dock doors trade at a significant premium and underwrite more conservatively.

Inland Empire Industrial Market

The Inland Empire is one of the largest and most active industrial real estate markets in the United States, with over 650 million square feet of industrial inventory. Its strategic location connecting the ports of Los Angeles and Long Beach to the broader Southwest distribution network makes it the preferred location for logistics, e-commerce fulfillment, and manufacturing operations. Vacancy in the Inland Empire has remained historically low despite significant new construction, and rental rates have reached record highs in recent years — both of which benefit property owners and create favorable refinance conditions.

Owner-Occupied Industrial Financing

Many of our clients are business owners who want to purchase the industrial or warehouse building they currently lease. This is one of the most financially strategic moves a business owner can make — building equity instead of paying rent, locking in occupancy costs for the long term, and creating a real estate asset that can be sold separately from the business at exit. SBA 7(a) and 504 programs are ideal for this, enabling purchase with as little as 10% down on buildings up to $5 million or more.

Get Industrial Property Financing

If you are acquiring, refinancing, or purchasing an industrial or warehouse property, our team is ready to help you identify the right program and lender. Call (909) 721-5915 or submit a pre-qualification request to start the conversation.