Channel Islands Mortgage Services

Commercial Loans

Commercial Real Estate Financing

Tailored Debt Solutions for Business Owners and Commercial Real Estate Investors

Commercial real estate financing requires an experienced perspective that evaluates property income, cash flow coverage, market dynamics, and borrower goals. Channel Islands Mortgage Services structures commercial real estate debt for property acquisitions, refinancing, expansion, and portfolio repositioning across California.

Property Types We Finance

  • Multifamily Properties: Apartment complexes (5+ units), student housing, and residential investment portfolios.
  • Commercial Office & Medical Buildings: Single-tenant or multi-tenant office suites, professional centers, and medical facilities.
  • Retail Centers: Strip centers, free-standing retail, neighborhood shopping centers, and mixed-use developments.
  • Industrial & Warehouse Space: Manufacturing, light industrial, flex space, and storage facilities.
  • Owner-Occupied Business Real Estate: Properties utilized by business owners for their primary operating companies.

Commercial Loan Programs

  • SBA 504 & SBA 7(a) Financing: Government-backed loans offering up to 90% loan-to-value (LTV) with long-term fixed rates for owner-occupied commercial property purchases and expansion.
  • Conventional Commercial Mortgages: Competitive fixed-rate and adjustable-rate financing from regional banks, credit unions, and institutional lenders.
  • Commercial Refinance & Equity Take-Out: Lower operating debt service costs or extract capital for property renovations and asset acquisition.
  • Short-Term Commercial Bridge Loans: Interim debt for value-add acquisitions, tenant build-outs, or lease-up stabilization.

Commercial Advisory Services

Robert Clark works directly with investors, business principals, CPAs, and commercial brokers to analyze Debt Service Coverage Ratios (DSCR), lease structures, rent rolls, and exit strategies to secure the most favorable capital structure.

Discuss Your Commercial Scenario Today
Direct Phone: (805) 652-6932
Email: [email protected]
NMLS #440892 | Company NMLS #2621592

Channel Islands Mortgage Services Accessibility Statement

General

Channel Islands Mortgage Services strives to ensure that its services are accessible to people with disabilities. Channel Islands Mortgage Services has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Accessibility on Channel Islands Mortgage Services website

Channel Islands Mortgage Services makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows cimsloans.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

Enabling the Accessibility Menu

Channel Islands Mortgage Services accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

Disclaimer

Channel Islands Mortgage Services continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

Despite our efforts to make all pages and content on Channel Islands Mortgage Services website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

Here For You

If you are experiencing difficulty with any content on Channel Islands Mortgage Services website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

Contact Us

If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: [email protected]

Verified: Channel Islands Mortgage Services