Commercial bridge loans for Riverside industrial repositioning and lease-up.
Access equity or finance a project before permanent financing. Flexible commercial bridge across property types, with terms up to 24-36 months and loan sizes up to $10M. Riverside County's industrial base is repositioning, not expanding, and new state siting rules now shape what a site can become. Business-purpose only, and every structure is set in underwriting.
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Use bridge capital to reposition an asset, buy out a partner, or stabilize before a refinance. We move quickly on commercial deals that banks find too time-sensitive. When the asset is stabilized, we refinance you out of the bridge and into long-term permanent debt, which we also place in house, so you have a clear exit from day one.
Is the Inland Empire industrial market still booming enough to justify a bridge loan?
No, and underwriting it as a boom is the mistake. Transportation, warehousing and utilities employment in the Riverside-San Bernardino-Ontario metro is up about 40% from 2019, but it peaked in 2022 at 214,400 and has been flat to slightly down since, at 205,200 in 2025. The industrial base itself, 756.3 million square feet, carried overall vacancy of 8.8% in Q2 2026, up 50 basis points on the quarter, with negative net absorption of about 3.8 million square feet through mid-year. That is a repositioning and lease-up market, the case for a bridge loan rather than a growth-story permanent placement.
Does a new logistics building in Riverside County have to sit farther from homes now?
Yes, Assembly Bill 98 took effect 2026-01-01 and names Riverside County directly in its statewide "warehouse concentration region." A logistics use of 250,000 square feet or more with loading bays within 900 feet of a sensitive receptor now needs a 300-foot setback on industrial-zoned sites, or 500 feet on non-industrial sites, plus a 50-foot or 100-foot landscaped buffer. Local agencies can no longer approve a non-conforming logistics project. An infill industrial parcel that penciled under the old rules may not pencil the same way today, so run the AB 98 math before you underwrite the exit.
Does the City of Riverside have its own warehouse size rules on top of the state law?
Yes, a stricter local tier passed on top of AB 98. On 2026-01-28 the Riverside City Council approved, by a 4-3 vote, distance-based size caps: 10,000 square feet within 200 feet of a sensitive receptor, rising to 100,000 square feet between 200 and 800 feet, 400,000 square feet between 800 and 1,500 feet, and floor-area-ratio limits beyond that. New industrial development next to residential now needs a 10-foot masonry wall and a 20-foot landscaped buffer, and a warehouse within 1,000 feet of a sensitive receptor generating 150 or more daily truck trips needs a Health Risk Assessment. Two adjacent parcels in the city can support very different buildings, so confirm the tier before you size a rehab or repositioning budget.
If I buy a commercial property in Riverside County, do I inherit the seller's tax bill?
No, and this trips up out-of-area buyers on commercial parcels as often as on rentals. Proposition 13's 1% ad valorem ceiling applies to the property's full cash value as of the date ownership changes, and California draws no rate distinction between an investor's parcel and anyone else's. The Riverside County Assessor reassesses to your purchase price at closing and follows with a one-time supplemental bill for the balance of the fiscal year. Underwrite the carry on what you are paying, not on the seller's old assessed value, and if the deal involves a newer subdivision, confirm separately whether a Mello-Roos community facilities district adds a fixed charge on top.
Is the 40-million-square-foot World Logistics Center already built and leasing space?
No, and a page or a broker deck that implies otherwise is ahead of the facts. The World Logistics Center, Highland Fairview's 40.6-million-square-foot, 2,610-acre project in Moreno Valley, is entitled under its own specific plan after a decade of CEQA litigation that ended in settlement. Its construction status as of 2026 has not been verified. Underwrite it as an approved, entitled site, not as delivered or under-construction space, and if your deal is elsewhere in the same submarket, our CRE permanent program is the better fit once a Riverside County asset is actually stabilized and leased.
Does earthquake risk affect how a Riverside County commercial asset gets insured during a bridge term?
It can, and it depends on where the collateral sits, not on the county as a whole. Three Alquist-Priolo earthquake fault zones cross Riverside County: the San Andreas along the Coachella Valley's northeast flank, the San Jacinto, and the Elsinore through the Lake Elsinore and Temecula corridor. A parcel zoned under Alquist-Priolo can trigger a natural hazard disclosure and, for new construction, a fault study, and earthquake coverage is excluded from standard policies statewide. Get a wildfire and seismic insurance quote in the file before the term sheet on any mountain, canyon or fault-adjacent site, and require replacement cost coverage rather than actual cash value.
How much equity do I need in a Riverside County bridge deal?
Twenty-five percent, at maximum leverage. Commercial bridge runs up to 75% LTV, so on a $4,000,000 Riverside County industrial asset that is up to $3,000,000 from us and $1,000,000 of equity from you (4,000,000 x 75% = 3,000,000). The term runs up to 24 to 36 months, interest-only, which is the point on a repositioning file: overall industrial vacancy in this metro ran 8.8% in Q2 2026, and lease-up takes time. Subject to underwriting.
Does weak credit stop a Riverside County bridge loan?
No, there is no minimum score on this program. A commercial bridge file is asset-based, so the property, the equity, and the plan to stabilize it carry the decision. We do run credit, and it carries far less weight than it would at a bank. Weaker credit is usually answered with lower leverage rather than a decline, and there is no hard credit pull to start. Subject to underwriting.
What is the largest bridge loan you will write in Riverside County?
Up to $10,000,000. That covers most of the repositioning and lease-up files this market produces, in a metro whose industrial base is 756.3 million square feet and which ran negative net absorption of about 3.8 million square feet through mid-2026. Structures run bridge or cash-out, interest-only, on terms up to 24 to 36 months. Subject to underwriting.
Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.
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