Commercial Mortgage Broker in the Inland Empire

Financial Compound is an independent, borrower-side Inland Empire commercial mortgage broker arranging financing for commercial real estate across Riverside and San Bernardino Counties. Since 1996, we have placed more than $6 billion in debt and equity throughout the capital markets, and we bring that competitive-bid discipline to industrial, logistics, multifamily, retail, and land transactions from Ontario and Rancho Cucamonga to Fontana, Riverside, San Bernardino, Moreno Valley, and Perris. We represent the borrower — never the lender.

A direct lender quotes one program against one credit box. Financial Compound runs a competitive process across institutional equity, private equity, life insurance companies, money-center and regional banks, CMBS conduits, credit unions, debt funds, and private capital — including lenders that specialize in large-format industrial and ground-up development. In a logistics market where a stabilized bulk distribution building and a speculative ground-up Class A project draw entirely different capital, running that process is the difference between a market term sheet and the best available execution. The result is measurable: tighter spreads, higher proceeds, and structures aligned with your hold period and business plan.

We represent the borrower. We are compensated only when we deliver financing you accept, so our work is to secure the best terms the market offers — not to defend any single lender’s program.

The Inland Empire is the most important industrial and logistics real estate market in the country. Riverside and San Bernardino Counties hold an estimated 4,000 warehouses across roughly 37 square miles — the largest contiguous industrial concentration in the United States — with more than two billion square feet of distribution space within a 50-mile radius of Ontario International Airport. In 2025, the region captured the largest share of the nation’s top 100 industrial leases, recording 14 of them totaling 11.8 million square feet, outpacing both Chicago and Dallas–Fort Worth.

Heading into 2026, the industrial market is stabilizing after a period of correction: vacancy around 7.2% and availability near 11.9% as recent completions are absorbed, with leasing volumes rising sharply across asset classes. The region’s enduring advantage is structural — proximity to the Ports of Los Angeles and Long Beach, the I-10, I-15, I-210, and I-215 corridors, and industrial rents that are roughly 19% below those in Los Angeles County and 31% below those in Orange County. Financial Compound prices transactions submarket by submarket: the Ontario, Rancho Cucamonga, and Fontana logistics core; the Moreno Valley and Perris distribution corridor; Riverside and San Bernardino infill; and the Corona and Eastvale commuter-retail belt. Asset classes, we finance across the Inland Empire

Industrial, logistics, warehouse, and distribution; multifamily and mixed-use; retail and grocery-anchored centers; office and medical office; self-storage; entitled and unentitled land; and ground-up development. If it produces income — or is being built or developed into income-producing real estate — we have likely arranged financing for a comparable asset.

Acquisition, refinance, and permanent debt for bulk distribution, fulfillment, cold storage, and cross-dock facilities, structured against DSCR, LTV, debt yield, and NOI benchmarks appropriate to large-format industrial.

Ground-up and major-rehab construction debt for Class A industrial and mixed-use projects, including senior construction facilities for well-capitalized sponsors moving forward on select developments along the I-215 and I-15 corridors.

Acquisition and predevelopment capital for entitled, semi-entitled, and unentitled land — including structures reaching up to 95% of all-in cost for qualified sponsors assembling industrial and residential development sites.

Long-duration fixed- and floating-rate debt for stabilized industrial, retail, and multifamily assets, including CMBS and life company execution for institutional-quality product.

Fannie Mae DUS, Freddie Mac Optigo, HUD/FHA, and bank balance-sheet execution for Inland Empire apartment assets serving the region’s fast-growing residential base.

Owner-occupied commercial real estate financing for Inland Empire operating businesses and owner-users — long amortizations, competitive fixed rates, and lower down payments than conventional debt.

We obtain preliminary terms and then evaluate them against your objectives, producing an apples-to-apples comparison that quantifies amortization methods, promo and waterfall structures, escrows and holdbacks, lender fees, defeasance, yield maintenance, and other prepayment penalties. This is how you see the real cost of capital — not the rate printed on the term sheet. SOFR-indexed floating-rate facilities and fixed-rate permanent debt are weighed on a true cost-of-capital basis.

As of mid-2026, with SOFR near 3.60%, the 10-year Treasury around 4.45%, and the prime rate at 6.75%, the floating-versus-fixed decision is live on nearly every Inland Empire transaction — and on large-format industrial, where basis and proceeds drive the return, the right debt structure is decisive.

Financial Compound does not charge upfront fees. We are compensated only upon closing. That alignment is rare in commercial mortgage brokerage, and it is why capital providers routinely designate us as a preferred broker.

A representative execution from Financial Compound’s national portfolio: $19,000,000 in land acquisition financing at 95% of all-in cost for a 1,600-acre semi-entitled residential land assemblage. Aggressive land and development leverage of this kind is precisely what the Inland Empire sponsors need to control sites along the logistics and residential growth corridors.

Capital providers offer Financial Compound cutting-edge terms because of our technical underwriting and volume of deal flow. We can place a transaction within hours when the situation demands it. Representative closings:

Transaction	Close Time
Industrial building refinance	19 days
Land loan	5 days
Hard money loan	2 business days