Fast & flexible finance
for real estate entrepreneurs and investors
across California
California is our home market. F2 Finance is headquartered in Santa Monica, and we have been lending across the state since day one — from the Westside to the Bay Area, from San Diego to Sacramento.
We know what it takes to close a deal in California. This is one of the most competitive real estate markets in the world, where speed and certainty of execution are often the difference between winning and losing a deal. We know how title companies operate here, we understand local appraisal dynamics, and we know that California borrowers have high standards — because they have plenty of options.
What sets F2 Finance apart in this market is that we are a true balance sheet lender, making our own lending decisions in-house, with no committees and no third-party approvals. When we say yes, we mean it — and we can back it up fast. As a California-based lender, we are also fully licensed with the CA DFPI, and we understand the regulatory nuances that out-of-state lenders sometimes get caught out by.
If you want a lender who actually knows this market, not one who lends here from across the country, F2 Finance is the right call.
CA DFPI Licensed | NMLS #2502447
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.
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.
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![HousingWire logo with red square containing white initials HW and black text below reading 'HOUSINGWIRE'.]()
HousingWire: ‘F2 Finance wants to capitalize on a fragmented fix-and-flip market, and help housing supply.’
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![Logo with a blue square and the words 'alt fit' in white and blue letters]()
“LendInvest co-founder Christian Faes launches US-based “fix and flip” lender”
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![Business Insider logo in black text on a white background.]()
“F2 Finance to lend into the $68B ‘fix & flip’ U.S. property market…”
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![Traded LA]()
‘Hard bridging loan done within a week of appraisal’
