How F2 Finance Closed a Large Miami Bridge Loan in Just 5 Days
In real estate, timing is everything. When a deal is on the line, delays aren’t just inconvenient, they’re expensive.
Recently, F2 Finance was called in on a high-stakes Miami transaction after a borrower was let down at the last minute by another lender. With a substantial earnest money deposit at risk and a hard closing deadline approaching fast, the borrower needed a solution, immediately.
That’s when they turned to F2 Finance.
From initial inquiry on Monday to funded loan on Friday, we closed the deal in just five days.
Here’s how it happened.
The Situation: A Last-Minute Lender Failure With Real Money at Risk
The borrower had a strong asset and a clear plan, but their original lender couldn’t perform. Delays, shifting requirements, and uncertainty put the entire transaction in jeopardy, including a significant earnest money deposit.
Walking away wasn’t an option.
They needed a lender who could move fast, underwrite decisively, and execute without excuses.
Step #1: Boots on the Ground in Miami
Speed starts with commitment.
Within 24 hours of receiving the inquiry, F2 Finance had a team member on the ground in Miami, personally inspecting the property. No assumptions. No shortcuts. We made sure every detail was verified so there were no surprises later in the process.
This hands-on approach allowed us to underwrite with confidence and issue terms we could stand behind.
Step #2: Real Underwriting, Not Just a Quote
Many borrowers confuse a quick quote with a real approval. When timelines are tight, that distinction matters.
Our team immediately:
Analyzed the Miami submarket and exit assumptions
Confirmed leverage, structure, and risk internally
Issued a firm term sheet, not a placeholder
Because F2 Finance is a direct balance-sheet lender, we didn’t need outside approvals or syndication. We controlled the capital, the underwriting, and the timeline.
Step #3: Full Coordination, Minimal Hassle for the Borrower
Closing quickly isn’t just about underwriting, it’s about execution.
We coordinated all logistics from start to finish, working closely with:
Title to clear endorsements and ownership issues early
Insurance brokers to ensure lender-compliant coverage
Counsel and servicing partners to keep documents moving
Our goal was simple: protect the borrower’s investment while minimizing friction. The borrower stayed focused on their business as we handled the rest.
Step #4: Capital Certainty and a Smooth Closing
When a borrower is already coming off a failed lender, certainty matters more than ever.
At F2 Finance, we fund with our own capital. That meant:
No last-minute changes
No delays
No uncertainty
Once documents were finalized, funds were released promptly and the deal closed smoothly.
Monday inquiry → Friday funding.
What often takes other lenders weeks, we completed in just five days.
Why This Matters
This Miami deal wasn’t about rushing, as it was about experience, decisiveness, and execution.
In competitive markets, borrowers don’t just need financing. They need a lender who:
Understands the stakes
Moves quickly
Communicates clearly
And delivers when it matters most
The Bottom Line
At F2 Finance, we pride ourselves on providing fast, flexible, and dependable financing solutions for borrowers who need results, not excuses.
If you’re facing a tight deadline, a lender issue, or a time-sensitive opportunity, our team is built to step in and get the job done.