Fast & flexible finance

for property investors

Loans up to $3m

We lend from $300k - $3m (and higher by exception); and can do staged drawdowns for fix & flip loans.

Up to 24 months

From 1 month through to 24 months. No prepay penalties (on 1 yr term).

Fast funding

We are the fastest lender in the market, and have completed deals in as quick as 36 hours (usual timing is 7-10 days).

All property types

We can lend against all property types including SFR through to commercial property, multi-family & vacant land.

Foreign nationals, low/no FICO

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

No red tape

We have a very streamlined lending process. No income verification nor DTI requirements; only 1 mth bank statement; no tax returns.

Map of the states in the US that we are currently lending in.

Actively lending in 15 states across the US.

Time is money

We regularly complete loans in just a few days. No one is quicker than F2.

When you have a transaction that you need to move quickly on, you need a lender that knows what they’re doing, and can move fast. That’s F2 Finance.

House for sale.

You don’t need to tick boxes

We have a common-sense approach to underwriting.

We are not reliant on ‘Wall Street’ money. We have our own fund and balance sheet, and we make the lending decisions, which means we can be as flexible as any lender in the market.

Coastal real estate

So you know who you’re dealing with from start to finish.

We won’t sell your loan

Unlike most lenders in the private lending space, we don’t sell our loans. Need an extension or a loan modification? Then 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.

Row of nice houses where F2 Finance has funded loans.

Almost two decades of experience

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

Experienced lenders

See our latest product tearsheet here

Recent deals

  • Wooden lake house with decks and stairs on rocky shoreline, surrounded by leafless trees, with docks on lake under a blue sky.

    Bridging Loan, Alabama

    We recently completed this $720k cash out refi against a commercial lodge sitting on a lake in Alabama. We were able to provide the borrower with quick flexible capital to acquire his next project.

  • Modern house with white and dark gray exterior, situated on a wooded hillside, with a driveway and landscaped area with shrubs.

    Cash Out Refinance, Georgia

    This 70% LTV; $1,113,000 cash-out refinance loan on a single-family residence provided the borrower with the necessary funds to pay off existing debt while also unlocking additional capital for future financial opportunities.

  • Front view of a light blue, single-story house with white shutters, brick steps leading to the front door, a small front yard with green grass, and neighboring houses visible in the background.

    Fix & Flip Loan, Massachusetts

    F2 Finance recently completed this $790k loan that enabled the borrower to swiftly purchase and rehabilitate this property. This allowed the borrower to transform the asset efficiently, resulting in a profitable transaction.

  • City intersection with traffic lights, cars, trees, and a brick building with storefronts, with a skyline of tall buildings in the background.

    Bridging Loan, California

    F2 Finance successfully funded this $1,134,000 bridge loan, allowing the borrower to quickly purchase this prime 15-unit mixed-use investment property.

  • Aerial view of a residential neighborhood with a large grassy lot, palm trees, houses with tiled roofs, a canal with boats, and street lamps.

    Bridging Loan, Florida

    F2 Finance quickly provided a 50% LTV bridge loan on this vacant waterfront lot within just 48 hours of the initial inquiry! Our streamlined process ensured the borrower received the necessary funding efficiently, allowing the project to proceed without interruption.

  • Modern suburban house with white exterior, gray tiled roof, attached three-car garage, and landscaped front yard with young trees and bushes, situated on a green lawn under a partly cloudy sky.

    Foreign National Bridge Loan, Florida

    F2 Finance recently funded this $730,000 loan for an international borrower- no U.S. credit score required! This loan enabled our client to quickly secure an investment property without the need for a FICO score.

  • Single-story white house with dark shutters, front porch with two chairs, surrounded by green lawn and trees, under a colorful sunset sky, parking lot in front with a wheelchair space.

    Bridging Loan, Florida

    F2 Finance recently provided $360,000 funding for the acquisition of this assisted living facility at 60% LTV. This financing enabled the borrower to secure the investment property quickly and efficiently.

  • A single-story house with a gray exterior, green front door, attached garage, and a large tree in the front yard. There is a white wooden fence on the left side and the driveway is partly shaded by the tree.

    Cash Out Refinance, Florida

    We provided a loan for $327,000 against a 3 bedroom single family residential house in St. Petersburg, Florida. The client needed funds to complete works to enhance the value of the property.

  • Large two-story house with white siding and a brick foundation, front porch, and side deck, surrounded by green lawn and trees under a blue sky.

    Purchase, Virginia

    We provided a loan for $425,000 to purchase a large house in Chesapeake, Virginia; and we provided additional finance to the borrower to fund rehab works to the property.

  • Modern two-story white house with large black garage door, black front door, and tall windows, surrounded by green lawn and wooden fencing on both sides.

    Bridge Loan, Florida

    F2 Finance recently funded this $1,102,500; 75% LTV cash-out refinance, helping our borrower pay off existing debt on their property while unlocking capital to purchase another investment property.

  • Large historic brick house with white trim, tall windows, a front porch, and a balcony, surrounded by green trees and lawn.

    Foreign National Bridge Loan, Georgia

    F2 Finance funded this $612,500 commercial bridge loan for a foreign national. With no credit score required, we made it possible for them to move forward with their investment.

  • Bridging Loan, Florida

    This $624,000; 75% LTV loan equipped the borrower with the necessary funds to swiftly secure this single-family residence investment property. The tailored financing solution enabled the borrower to seize a timely opportunity, ensuring a seamless and efficient acquisition process.

  • HousingWire logo with red square containing white initials HW and black text below reading 'HOUSINGWIRE'.

    ‘F2 Finance wants to capitalize on a fragmented fix-and-flip market, and help housing supply.’

  • 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”

  • Business Insider logo in black text on a white background.

    “F2 Finance to lend into the $68B ‘fix & flip’ U.S. property market…”

  • Cover of The Intermediary magazine, April 2023, featuring collage of professionals and homes related to the late-life lending market, with headlines about key topics and articles.

    ‘F2 Finance aims to create a scalable platform for the US short-term property market’