Hotel Feasibility Study in the Riverside-San Bernardino-Ontario, CA Metro Area

Two counties and a low cancellation rate

San Bernardino County, CA holds 106 and Riverside County, CA 100 of the 206 hotel and motel loans around Riverside-San Bernardino-Ontario, totaling $530.9 million. Written 5 of 807, the market ranks fifth among all areas, and lodging comes fourth locally, 4 of 39. Its location quotient of 1.19x gives hotels more weight in local lending than the nationwide mix gives them. Cancellation for FY2017 to FY2024 approvals starts at only 9.4%, a low floor, while the ceiling and the charge-off rate stay unpublished here.

The median is $2.4 million, 1.09x the countrywide class figure, and the interquartile spread runs from $1.1 million to $4.1 million. SBA 7(a) carried 146 loans and SBA 504 carried 60, a large fixed-asset side. Franchise flags cover 46.6%, so nearly half the book answers to a brand. The shared industry code for hotels and motels hides whether a loan financed a limited-service or a full-service property.

Lenders

Open Bank leads SBA 7(a) with 17 loans and $46.8 million. US Metro Bank has 13 and $38.4 million, Readycap Lending, LLC 11, and Bank of Hope and Commercial Bank of California 6 each. The SBA 504 side is more crowded: The Mortgage Capital Development Corporation and Business Finance Capital each hold 13, CDC Small Business Finance Corp. 9, Advantage Certified Development Corporation 8 and AMPAC Tri-State CDC, Inc. 6, whose loans carry $23.2 million. SBA's holder data makes no claim about practice.

Approvals started at 33 loans and $67.5 million in FY2017, held between 16 and 24 loans for several years, and slid to 14 in FY2025 and 12 loans and $30.3 million in FY2026. A falling count with the lowest dollars in the file is a signal a study should explain through supply, rates or travel patterns. Loans reach the area through project counties in the 2023 delineation.

Testing an Inland Empire hotel

A hotel study here measures room demand from logistics, travel and events in both counties, counts open supply, and weighs construction or renovation plus brand requirements against $2.4 million. Occupancy and room rate must carry debt service, and the appraisal covers the going concern and the real estate. 206 approvals are context, not assurance. At Loan Analytics, a Riverside study begins here; its signatory is Daniel Smith, MAI, and 206 approvals bind no lender.