Feasibility Study Data for the Riverside-San Bernardino-Ontario, CA Metro Area

Riverside-San Bernardino-Ontario, CA in the national count, 9,481 loans

SBA files rank Riverside 15 of 928 by loans: 9,481 approvals in FY2017 to FY2026, $6.71 billion gross. Median loan: $329,300 in Riverside, 1.58x the national median. That makes Riverside a larger-ticket market. In Riverside, the middle half of loans runs from $95,000 to $850,500. Because $95,000 and $850,500 frame the middle half, a Riverside borrower should weigh any Riverside request against $329,300.

Program mix in Riverside: 7,823 under SBA 7(a) and 1,658 under SBA 504. As SBA flags them, 9.7% of Riverside loans are franchise loans. Asset by asset, Riverside shows full-service restaurant with 449, limited-service restaurant with 303 and automotive mechanical repair with 208. A further 6,852 Riverside loans sit in no named class in Riverside. The class lines for Riverside therefore never sum to 9,481. County by county, Riverside reads Riverside County, CA with 4,916 and San Bernardino County, CA with 4,565 in Riverside.

Riverside-San Bernardino-Ontario, CA lender names, as SBA lists them in Riverside

In Riverside, lender names come out of SBA's file view in Riverside of loans a firm holds or held, as current holder in Riverside, and carry no judgment of lenders. Riverside holders should be read that way. The Riverside SBA 7(a) table in Riverside opens with U.S. Bank, National Association with 1,478 loans worth $351.3 million; Wells Fargo Bank National Association with 541 loans worth $169.8 million; JPMorgan Chase Bank, National Association with 352 loans worth $108.7 million. Under SBA 504, Riverside lists Business Finance Capital with 443 loans worth $518.8 million; CDC Small Business Finance Corp. with 244 loans worth $278.1 million; California Statewide Certified Development Corporation with 238 loans worth $299.8 million first. The first holder in Riverside sets the pace. Even so, a Riverside borrower may take a study elsewhere in Riverside.

Of Riverside approvals from FY2017 to FY2024 in Riverside, at least 12.1% were cancelled after approval. Riverside has a ceiling of 13.3% when undisbursed loans count as cancelled in Riverside. For the Riverside disbursed cohort of 3,951 loans, FY2017 to FY2021, the floor is 5.1%. 3.3% were charged off inside five years. Riverside's busiest printed year was FY2025, with 1,209 loans. A loan joins Riverside through the county of the project, matched against the July 2023 delineation, so one with a county left unresolved is left out of every area. The 9,481 loans in Riverside-San Bernardino-Ontario, CA count the 6,852 loans outside any named class.

Riverside-San Bernardino-Ontario, CA: questions a study has to answer for Riverside

In Riverside, demand is the opening test. Size the real catchment of the actual site in Riverside, not the metropolitan area in Riverside, so timing may slip, for Riverside. The Riverside budget is next. $329,300 is the median ticket, a guide in Riverside, but the budget needs local bids, and an honest Riverside contingency. Coverage of the Riverside loan payment follows. Test coverage at the requested size and again on weaker revenue, letting a Riverside lender see the margin. Lenders in Riverside also rely on appraisals, so any rent figure must hold up before an appraiser in Riverside. In Riverside, 9,481 loans spread over many neighbourhoods, and a Riverside study must say which it targets. With Riverside at 1.58x the national median in Riverside, projects run large in Riverside. The study must justify its project for Riverside against $329,300.