Get a quoteWhen opportunity knocks, we deliver.
Bridge loans from $300K to $3M, funded in as little as 36 hours. We lend against all property types, and we make every lending decision in-house.
Time to closeOur fastest36 hoursStandard7–10 days
Speed wins the deal. Flexibility gets it closed.
Speed
The people you speak to make the credit decision. No outside committee, no loan buyer to satisfy.
Flexibility
FICO from 550. Foreign nationals. Apartments, mixed-use and commercial. Terms from one month to twenty-four.
Certainty
A quick yes, or a quick no. When we issue terms, we intend to close on them.
We say yes when other lenders can't compete.
The project is finished. The sale isn't.
Your loan is maturing and the house needs more time on the market. We refinance completed projects and give you the runway to sell.
Foreign nationals
No Social Security number and no FICO score required. We lend to overseas investors in US real estate.
Credit that isn't perfect
FICO from 550. We weigh the property, the equity and the exit.
Property outside the box
Multifamily, mixed-use, retail, office and industrial. Assets volume lenders can't hold are ones we underwrite every week.
Cash out of a property you own
Refinance and release equity for your next deal, on residential or commercial property.
A plan that needs more than twelve months
Terms of 18 and 24 months, so you are not planning your project around extensions.
More common sense. Less paperwork.
Bridge lending is our core business. We lend against the property, which keeps the file short and the answer quick.
No income verification
No debt-to-income test and no net worth test.
One month of bank statements
That is all we ask to see.
Assigned appraisals accepted
If it is less than 90 days old. Cash-out refinances need a new one.
Interest only
Monthly interest, with the principal repaid when you exit.
No upfront fees
We only get paid when the loan gets funded. The only cost is the appraisal (if needed).
No prepayment penalty
Repay whenever you're ready, with only 30 days' interest at the end of repayment.
Recently funded
All case studies
$2.4MBradenton, FL · New-build refinanceConstruction complete and the prior loan past maturity. Refinanced through to the sale.
$1.875MBoca Raton, FL · Single familyRenovated and listed. A new loan replaced one that had run out of time.
$610KDallas, TX · Single familyA six-month loan matured with the house on the market. We bridged it to the sale.What our customers say.
What a great outfit to work with! F2 were quick to respond, super helpful, and made the whole process easy. I’ll definitely be back with more deals in the future.
Working with F2 Finance was really easy. Everything moved quickly, details were clearly laid out, and the entire process felt straightforward. Highly enjoyable to work with their team. Absolutely the best!
F2 Finance is a great organization. Easy to work with, timely in their communication, and most importantly, reliable.
A 30-year loan is an expensive way to borrow for one or two.
DSCR loans can take a month or more to close and often carry a prepayment penalty of up to 5%. If you plan to sell or refinance soon, a bridge loan is quicker to arrange and can cost less.
Our money. Quick decisions.
F2 Finance lends from its own balance sheet and has proprietary capital backed by the Faes & Co Income Fund and a number of institutional funding partners.
We are part of Faes & Co, led by Christian Faes, who co-founded LendInvest and took it to a listing on the London Stock Exchange. Two decades in bridge lending across Australia, the UK, Ireland and the United States.
We promise a quick yes or no. No time wasted.
We know that time is money. We won't waste anyone's time pretending we have appetite to fund a deal when we don't. We'll give it to you straight, from the start.
Brokers in our Frequent Funder Club get a term sheet within two hours and their own packaging concierge. At the top tier, you earn a 0.20% bonus commission on every deal above $7 million of funded volume.