Small Business Loans in San Bernardino, CA, All Programs
San Bernardino's economy is primarily driven by logistics, transportation, healthcare, and education. Major employers include local hospitals and companies in the logistics sector, contributing to a diverse job market.
Business funding in San Bernardino, by the numbers
- Most firms applying for financing seek $100K or less, per the Fed's Small Business Credit Survey. (Federal Reserve)
- The U.S. is home to more than 33 million small businesses. (SBA Office of Advocacy)
Reviewed July 2026 · figures link to primary sources.
Which San Bernardino program fits? A quick comparison
Every program below is arranged through one local broker. Here is how the most-asked-about options compare on amount, speed, and best use.
| Program | Typical amount | Funding speed | Best for |
|---|---|---|---|
| Working Capital Loans | $25K–$2M | ~24 hours | Fast capital to cover operations and growth. |
| Business Line of Credit | $10K–$1M | 1–5 days | Revolving capital you draw only when you need it. |
| SBA Loans | $50K–$5M | 2–8 weeks | Low-rate, long-term SBA 7(a), Express & 504 financing. |
| Equipment Financing | $10K–$5M | 1–3 days | Fund equipment, keep your cash. |
| Invoice Factoring | $10K–$3M | 2–5 days | Sell invoices for immediate cash. |
Money programs
SBA Loans
Low-rate, long-term SBA 7(a), Express & 504 financing.
Learn more →SBA 7(a) Loan
The flexible SBA workhorse for growth and acquisition.
Learn more →Business Line of Credit
Revolving capital you draw only when you need it.
Learn more →Working Capital Loans
Fast capital to cover operations and growth.
Learn more →Small Business Loans
Right-sized funding for local small businesses.
Learn more →Short-Term Business Loans
Quick-turn capital paid back over months.
Learn more →Merchant Cash Advance
Advance against future card sales.
Learn more →Unsecured Business Loans
Funding without collateral.
Learn more →Startup Business Loans
Capital for newer San Bernardino ventures.
Learn more →Business Acquisition Loans
Financing to buy an existing business.
Learn more →Accounts Receivable Financing
Borrow against unpaid invoices.
Learn more →Invoice Factoring
Sell invoices for immediate cash.
Learn more →Revenue-Based Financing
Repay as a share of revenue.
Learn more →Same-Day Business Loans
Funding that can hit today.
Learn more →Business Lenders Near Me
A local San Bernardino advisor, many lenders.
Learn more →Business Loan Broker
We shop 20+ lenders for you.
Learn more →Commercial Loan Broker
Brokerage for larger commercial deals.
Learn more →Equipment Financing
Fund equipment, keep your cash.
Learn more →Industry financing
Dental Practice Loans
Acquisition, build-out, and equipment financing for San Bernardino dental practices.
Learn more →Medical Practice Loans
Capital for San Bernardino clinics.
Learn more →Restaurant Loans
Working capital, equipment, and MCA for San Bernardino restaurants.
Learn more →Trucking Business Loans
Truck financing and factoring for Inland Empire carriers.
Learn more →Commercial Construction Loans
Ground-up and build-out financing across the metro.
Learn more →Hotel Loans
SBA 504 and bridge financing for hospitality.
Learn more →Salon Business Loans
Build-out and working capital for salons and spas.
Learn more →Retail Business Loans
Inventory and cash-flow funding for San Bernardino retailers.
Learn more →Auto Repair Shop Financing
Equipment and expansion capital for shops.
Learn more →Ecommerce Business Funding
Inventory and ad-spend capital for online sellers.
Learn more →Food Truck Financing
Truck purchase and working capital for mobile food.
Learn more →Gym & Fitness Business Loans
Equipment and build-out for fitness studios.
Learn more →Manufacturing Equipment Financing
Machine and line financing for San Bernardino manufacturers.
Learn more →Agriculture Equipment Financing
Equipment credit for ag operations in the region.
Learn more →Landscaping Equipment Financing
Seasonal equipment and working capital for landscapers.
Learn more →Farm Credit Financing
Operating and equipment credit for farms.
Learn more →SBA Loans for Daycare
SBA financing for childcare centers.
Learn more →SBA Loans for Franchises
Financing to open or grow a franchise.
Learn more →SBA Express for Veterans
Expedited SBA financing for veteran-owned businesses.
Learn more →Women-Owned Business Funding
Programs and grants supporting women founders.
Learn more →San Bernardino-area service areas
Colton
Colton is a growing business community with a focus on logistics and healthcare.
Funding in Colton →Loma Linda
Loma Linda is known for its healthcare facilities and educational institutions, making it a vital business hub.
Funding in Loma Linda →Muscoy
Muscoy offers a mix of residential and commercial opportunities, contributing to the local economy.
Funding in Muscoy →Highland
Highland features a range of businesses and services, supporting the surrounding communities.
Funding in Highland →Grand Terrace
Grand Terrace is a small but vibrant business community with a focus on local services.
Funding in Grand Terrace →Bloomington
Bloomington is a developing area with potential for new business ventures and growth.
Funding in Bloomington →Redlands
Redlands is recognized for its historic downtown and thriving business environment.
Funding in Redlands →Mentone
Mentone is a quaint community that supports small businesses and local services.
Funding in Mentone →