Victorville is a city located in the Mojave Desert in San Bernardino County, California. As of the 2010 census, the city had a population of 115,903.
Victorville is the economic and governmental center of the High Desert region of California, which contains Victorville and the cities of Hesperia and Adelanto. The High Desert region has a population of approximately 442,000 people.
The economy of Victorville is driven by a diverse mix of industries. The city is home to a large number of distribution and manufacturing warehouses for companies such as Amazon, Mattel, and Coca-Cola. The city is also home to a growing number of technology and renewable energy companies.
The city's largest employer is the Victor Valley Medical Center, which employs over 3,000 people. Other major employers in the city include the Victor Valley College, the High Desert Logistics Center, and the Southern California Logistics Airport.
Small businesses are a vital part of the Victorville economy, accounting for over 60% of all businesses in the city. The most popular industries for small businesses in Victorville are retail trade, health care, and construction.
There are a number of programs and resources available to small businesses in Victorville. The City of Victorville offers a Small Business Assistance Program, which provides financial assistance to small businesses for a variety of purposes, including start-up costs, expansion, and job creation. The Victorville Chamber of Commerce also offers a number of programs and resources for small businesses, including networking events, business counseling, and educational seminars.
Comparing SBA loan types in Victorville
Three SBA programs come up most often for Victorville, 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 Victorville
An SBA 7(a) loan made to a Victorville, 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.