Get a quoteCalifornia bridge loans, funded in days.
F2 Finance is a direct private lender to California real estate investors, headquartered in Santa Monica. Bridge and fix and flip loans from $300K to $3M, from Los Angeles and Orange County to San Diego, the Bay Area and the Central Valley.
Lending in California
California is our home market and our deepest book. We lend on single family homes, multifamily, mixed-use and commercial property held for investment, from Sherman Oaks to the Marina district.
Many of our California borrowers are refinancing a completed renovation or new build whose first loan has run out of time. Others need to close a purchase in days, or are overseas investors buying without a US credit score.
Where we lend in California
Recently funded in California
$2.85MSan Francisco · Bridge loanSix-month bridge on a Marina district home. FICO in the low 600s was not a problem.
$1.55MLos Angeles · MultifamilyTwelve-month bridge on a multifamily building in Mid-City.
$1.3MThousand Oaks · Fix and flipPurchase plus full rehab funding on an 18-month term.
$800KNorthridge · CommercialBridge loan on a commercial property at under 50% LTV.California loan terms
| Product | Max loan | Min FICO | Term |
|---|---|---|---|
| Bridge loan | Up to $3,000,000 | 550 | Up to 24 months |
| Fix and flip loan | Up to $2,000,000 | 575 | 12 months |
Rates from 9.99%. Interest only. Higher amounts by exception. Leverage is lower for rural property. All loans must be for business purposes only and are subject to underwriting approval.
California bridge loan questions
How fast can you close a bridge loan in California?
Seven to ten days is standard. With a clean file and a title company ready to go, we have closed in under a week.
Do you lend on commercial property in California?
Yes. Offices, retail, small industrial and mixed-use, as well as multifamily of five units and up.
My credit score is below 650. Can you still help?
Usually. We lend down to a 550 FICO, with leverage adjusted for the risk. The asset and the exit matter more to us than the score.
Is there a prepayment penalty?
No. Repay whenever you're ready, with only 30 days' interest at the end of repayment.