Get a quoteFlorida bridge loans, funded in days.
F2 Finance is a direct private lender to Florida real estate investors. Bridge and fix and flip loans from $300K to $3M, from Miami and Palm Beach to Tampa, Orlando and Sarasota.
Lending in Florida
Florida is one of our most active states. We lend on single family homes, condos, multifamily, mixed-use and commercial property held for investment.
Many of our Florida borrowers have finished a renovation or a new build and need more time to sell than their current lender will give. Others are overseas investors, who we lend to without a Social Security number or US credit score.
Where we lend in Florida
Recently funded in Florida
5 daysMiami · Bridge loanFrom first call to funding in five days.
$2.4MBradenton · New-build refinanceConstruction complete, prior loan past maturity. Refinanced through to the sale.
$1.875MBoca Raton · Single familyRenovated and listed. A new loan replaced one that had run out of time.
No SSNFlorida · Foreign nationalBridge loan to an overseas investor with no US credit score.Florida 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.
Florida bridge loan questions
How fast can you close a bridge loan in Florida?
Seven to ten days is standard. We recently funded a Miami bridge loan five days after the first call.
Do you lend to foreign nationals buying in Florida?
Yes. No Social Security number or US credit score is required.
My Florida flip is finished but my loan is maturing. Can you help?
Yes. Refinancing completed projects so the owner has time to sell is one of the most common loans we make in Florida.
Is there a prepayment penalty?
No. Repay whenever you're ready, with only 30 days' interest at the end of repayment.