Fast & flexible finance

for real estate entrepreneurs and investors

across Florida

Florida is one of our most active lending markets. F2 Finance has been lending across the state since inception - from Miami Beach and Boca Raton to Sarasota, Jacksonville, and beyond. We know this market well, and we like it.

Florida attracts serious real estate investors for good reason. It is one of the few states with no personal state income tax, no state estate or inheritance tax, and a consistently pro-business regulatory environment, making it the destination of choice for entrepreneurs, business owners, and high-net-worth investors relocating from higher-tax states. That capital inflow - from across the US and internationally - keeps demand for real estate deep and persistent.

The Florida real estate market is also one of the most liquid in the country. With over 200,000 homes listed at any given time, and active submarkets ranging from luxury waterfront condos in Miami to value-add single-family in Central Florida, there is a breadth of deal flow that we simply don't see in most other states. For bridge lending - where exit via sale or refinance is the thesis - that liquidity matters enormously.

Why F2 Finance for Your Florida Deal

- Deep Florida track record - we’ve closed a large amount of deals across Florida. We know this market.

- Balance sheet lender - we use our own capital. No third-party approval, no committee. When we say yes, we mean it.

- In-house underwriting - one decision-maker who knows Florida real estate. Your deal gets a real answer, fast.

- No prepayment penalties - exit on your timeline, not ours.

- Foreign nationals welcome - no US FICO score or SSN required. Florida is a globally connected market, and we lend accordingly.

- Experienced team - our principals have over 20 years of experience in real estate private lending.

Florida: Why We Like This Market

Florida's appeal to real estate investors is structural, not cyclical. A few key reasons we continue to prioritise it:

- Tax environment - Florida levies no personal state income tax, no inheritance tax, and no estate tax. For business owners and investors, this represents a meaningful structural advantage over states like New York or California.

- Population growth - Florida has been one of the fastest-growing states in the US by population for several consecutive years, underpinning demand for housing across all price points.

- Diverse submarkets - Miami, Orlando, Tampa, Jacksonville, Palm Beach, Sarasota. Each market has its own dynamics, and collectively they offer a breadth of deal flow that keeps us active year-round.

- Investor-friendly - Florida has a well-established private lending and real estate investment ecosystem, with sophisticated borrowers who understand how to use bridge capital effectively.

- Exit liquidity - with over 200,000 homes actively listed at any given time, and a large base of end-buyers across domestic and international segments, exit via sale or refinance is generally well-supported.

Ready to Move on Your Florida Deal?

Submit your deal to F2 Finance and get a fast, no-obligation response. We lend on residential, fix-and-flip, multifamily, and select commercial real estate across Florida.

Get a Quote →

Loans up to $3m.
We lend from $300k to $3m (and higher by exception).

From 1 month to 24 months.
We can lend short or provide a longer solution.

No prepay penalties.

You can pay your loan back whenever you want without any penalties (only 30 days notice/interest).

Fast funding / no red tape. Fastest lender in the market, completing deals in as short as 36 hours.

All property types.

We can lend against everything from SFR’s through to commercial, mixed-use, multi-family & vacant land.

Foreign nationals, low/no FICO.

We can lend to foreign nationals with no/ssn, nor FICO, and to some low FICO borrowers (550+).

If your deal makes sense, we can fund it.

We are a true balance sheet lender. You don’t have boxes to tick - we just have common sense underwriting.

Get a quote

We don’t sell you out

Unlike most private lenders, we are a true balance sheet lender. Need an extension or a loan modification? With F2, you won’t have any nasty surprises dealing with a third party you’ve never heard of. You’ll be dealing with us, your actual lender.

Over two decades of experience

We have been active in the real estate private lending business for almost 20 years. With this experience, we know how to work with you to get the result you need.

See our latest product tearsheet here

HousingWire: ‘F2 Finance wants to capitalize on a fragmented fix-and-flip market, and help housing supply.’
“LendInvest co-founder Christian Faes launches US-based “fix and flip” lender”
“F2 Finance to lend into the $68B ‘fix & flip’ U.S. property market…”
‘Hard bridging loan done within a week of appraisal’