F2 Finance is a direct private lender based in California. We provide fast and flexible short-term bridge finance, cash-out refinances, and the quickest closings in the market, with an average closing timeline of 5 days.
We're focused on lending in: Alabama, Arizona, California, Colorado, Washington D.C., Florida, Georgia, Massachusetts, Missouri, North Carolina, Oregon (commercial or residential 5+ units), South Carolina, Tennessee, Texas, Virginia, and Washington State.
We are a balance sheet lender, meaning we use our own funds and make all lending decisions in-house. We are independent of Wall Street capital and do not sell our loans. As a quick close lender, we eliminate unnecessary red tape with no proof of income or tax returns required. We will compete for your business and help you access the capital you need fast.
We offer LTVs up to 80% and up to 100% of rehab budgets, with loan sizes between $300k and $3M+. We also offer solutions for borrowers with lower credit scores, including FICO scores as low as 550, and we lend to foreign nationals with no FICO and no SSN required.
