Warehouse Feasibility Study in the Riverside-San Bernardino-Ontario, CA Metro Area
What SBA's own loan files show about warehouse and distribution lending in the Riverside-San Bernardino-Ontario, CA Metro Area, and what a feasibility study for a project there has to test.
Warehouse loans in Riverside-San Bernardino-Ontario
Warehousing is a mid-table class in Riverside-San Bernardino-Ontario locally, 21 of 39, yet the area is 4 of 184 nationally, with a location quotient of 2.34x. The Riverside-San Bernardino-Ontario, CA record for warehouses and distribution facilities stands at 25 loans and $25.0 million, approved across FY2017 to FY2026. At home in Riverside-San Bernardino-Ontario the class sits 21 of 39, while the area is 4 of 184 on the national list. At 2.34x on the location quotient, warehouses and distribution facilities take a larger share of Riverside-San Bernardino-Ontario loans than of loans across the country. Riverside-San Bernardino-Ontario loan size runs high: $600,000 at the median, 1.20x the national median for warehouses and distribution facilities.
The band for the middle half of warehouse loans starts at $250,000 and ends at $1.4 million. A plan priced below $250,000 would be among the smaller Riverside-San Bernardino-Ontario loans on record. The 504 program holds 5 Riverside-San Bernardino-Ontario loans, against 20 under 7(a). No franchise share is printed for Riverside-San Bernardino-Ontario, CA, because Loan Analytics holds it back. The Riverside-San Bernardino-Ontario median stands at $600,000. A loan outside $250,000 to $1.4 million needs reasons. The study should settle the branding question. Pick the SBA program deliberately. Only public warehousing belongs here; owner-occupied storage for other businesses is coded under those businesses.
Who holds the Riverside-San Bernardino-Ontario loans, and when
The county table lists San Bernardino County, CA (17 loans) and Riverside County, CA (8 loans). Printed years: FY2019 with 0 loans and $0. The rest are not printed. Each rests on very few loans. A gap is no year without loans. The Riverside-San Bernardino-Ontario years that print are too sparse. The Riverside-San Bernardino-Ontario record is a lender's yardstick. The study adds what the record lacks.
What a Riverside-San Bernardino-Ontario warehouse study has to test
The Riverside-San Bernardino-Ontario cancellation and charge-off rates are blank. The cohort holds fewer than 30 loans. None is shown as zero. Riverside-San Bernardino-Ontario is defined by the 2023 delineation. Every loan is read through its county. Lists are compared county to county. Loans without a match drop out. Across 25 loans, $25.0 million was approved in Riverside-San Bernardino-Ontario. Totals do not replace a study. Before a lender sees a warehouse project in Riverside-San Bernardino-Ontario, the study should test taxes, insurance and upkeep; tenant demand and acceptable lease terms; lease income in a slow year; flexibility for other users; cash flow during lease-up; vacancy and rents of competing space; site work, dock doors and clear height, weighed with a median loan of $600,000; and the value to other users. The record implies no approval in Riverside-San Bernardino-Ontario. Context is all that the record gives.
SBA warehouse and distribution loans in the Riverside-San Bernardino-Ontario, CA Metro Area
| Loans approved, FY2017 to FY2026 | 25 |
|---|---|
| Gross dollars approved | $25.0 million |
| Median loan | $600,000 |
| Middle half of loans, from | $250,000 |
| Middle half of loans, to | $1.4 million |
| SBA 7(a) loans | 20 |
| SBA 504 loans | 5 |
| Franchise share of loans | withheld |
| Rank among metro and micro areas for warehouse and distribution loans | 4 of 184 |
| Rank of warehouse and distribution among the classes in this area | 21 of 39 |
| Location quotient (share of loans against the national share) | 2.34x |
| Median loan against the national median for the class | 1.20x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA warehouse and distribution loans approved in the Riverside-San Bernardino-Ontario, CA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | withheld | withheld |
| FY2019 | 0 | $0 |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Where the loans are, by county
| County | Loans |
|---|---|
| San Bernardino County, CA | 17 |
| Riverside County, CA | 8 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
Public warehousing only; owner-occupied warehouses of other industries are coded to those industries.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-40140-C10.
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