Fontana is a city located in the state of California. As of the 2010 census, the city had a population of 209,943. The city is located in San Bernardino County. Fontana is home to the Auto Club Speedway, which hosts NASCAR and IndyCar races. The city is also home to the Kaiser Steel Mill.
The economy of Fontana is driven by the Auto Club Speedway, the Kaiser Steel Mill, and other businesses in the city. The Auto Club Speedway is a popular destination for NASCAR and IndyCar races. The Kaiser Steel Mill is one of the largest employers in the city. Other businesses in the city include retail, manufacturing, and healthcare.
Fontana has a diverse economy that is driven by the Auto Club Speedway, the Kaiser Steel Mill, and other businesses in the city. The city is home to a variety of businesses, including retail, manufacturing, and healthcare. Fontana is a great place to start or grow a business. The city offers a variety of resources to businesses, including a Business Assistance Center, a Small Business Development Center, and a Chamber of Commerce.
Comparing SBA loan types in Fontana
Three SBA programs come up most often for Fontana, California businesses, and they do different jobs.
SBA 7(a) loan: program overview
Maximum loan
$5 million (sba.gov, fetched 2026-07-24)
What it funds
Working capital, equipment, owner-occupied commercial real estate, refinancing business debt, and business acquisition.
Who lends
Participating banks and non-bank lenders. The SBA guarantees a portion of the loan; it does not lend directly to borrowers.
Rate structure
Negotiated between lender and borrower, capped at the SBA maximum. Most 7(a) loans price off the WSJ prime rate plus a spread.
Personal guaranty
Required from every owner of 20% or more of the business (13 CFR 120.160(a)).
Program facts confirmed against sba.gov/funding-programs/loans/7a-loans on Jul 24, 2026. Confirm current fees and maximum rates with your lender before relying on them.
SBA 504 loan: program overview
Maximum loan
$5.5 million per the SBA-backed debenture (sba.gov, fetched 2026-07-24). Total project size can be larger because a bank funds the first mortgage alongside it.
What it funds
Major fixed assets: owner-occupied commercial real estate and long-life machinery and equipment. Not working capital or inventory.
Structure
A conventional first-mortgage lender, a Certified Development Company holding the SBA-backed second, and a borrower down payment.
Rate
The CDC portion is fixed for the full term and set at the monthly debenture sale.
Program facts confirmed against sba.gov/funding-programs/loans/504-loans on Jul 24, 2026.
SBA Express: program overview
What it is
A delivery method inside the 7(a) program. The lender uses its own forms and procedures and gets an accelerated SBA response, in exchange for a lower SBA guarantee percentage than Standard 7(a).
What it funds
The same uses as 7(a), including revolving lines of credit, which Standard 7(a) term loans do not offer.
Trade-off
Faster turnaround and lighter paperwork, against a smaller guaranteed portion, which some lenders price for.
Current SBA Express maximum loan size and guarantee percentage are set by SBA notice and change. Confirm them on sba.gov or with your lender; this site does not publish an unverified figure.
Small business loans available in Fontana
An SBA 7(a) loan made to a Fontana, California business is made by a participating lender, not by the SBA.
The lender underwrites it, sets the rate within the SBA maximum, and services it. What varies locally is
which lenders are active, not the program rules.