By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions
A $3 million small bay industrial acquisition in the Inland Empire (Riverside-San Bernardino) typically finances a 15,000 to 30,000 square foot multi-tenant industrial flex building with 4 to 8 small-bay tenants. Most $3M IE small bay industrial acquisitions fund through bank balance sheet, SBA 504 for owner-users, or specialty industrial banks.
Get a Quote on Your $3M Deal →$3M IE small bay industrial acquisitions typically fund as a single senior loan. Owner-user SBA 504 versus investor bank balance sheet are the primary alternatives.
Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.
Typical $3M IE small bay industrial sponsors are private capital industrial investors with 5 to 30 properties or owner-operator small businesses expanding to ownership. Inland Empire is one of the most active small bay industrial markets in the country.
On a $3.2M acquisition of a 22,000 sq ft small bay industrial flex building in Ontario, CA, leased to 6 small-bay tenants on staggered 3 to 5 year leases, the investor sponsor financed through bank balance sheet at 7.65 percent fixed 5-year, 67 percent LTV ($2.1M), with full recourse.
Anonymized. All deal references protect borrower and lender identity.
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