F2 Finance

What F2 Finance does

F2 Finance LLC is a privately held, balance-sheet bridge and hard money lender incorporated in California in 2023 and headquartered at 233 Wilshire Blvd, Santa Monica. The company originates short-term, business-purpose loans ranging from $300,000 to $3,000,000 with terms of 1 to 24 months, secured against single-family residences, commercial properties, mixed-use buildings, multi-family units, and vacant land. Its loan products include bridge loans, hard money loans, fix-and-flip financing, cash-out refinances, foreign national loans, commercial bridge loans, and purchase loans. Unlike most private lenders, F2 holds its loans on balance sheet through maturity rather than selling into the secondary market, which lets it offer extensions, modifications, and 36-hour funding without third-party servicing friction.

The customer base is composed of SMB real estate investors and entrepreneurs, including fix-and-flip operators, foreign nationals without U.S. credit history, and borrowers with FICO as low as 550+. Pricing is not publicly disclosed; revenue is generated through origination fees and interest income on funded loans, with no prepayment penalties. Distribution is hybrid: direct sales via phone, a self-serve online quote tool, and a dedicated broker portal serving mortgage brokers and real estate professionals.

F2 operates as a licensed mortgage lender under NMLS #2502447 and California Financing Law license #60DBO-184865, and is actively lending in 16 US states. The company was launched by Christian Faes, co-founder of UK-listed LendInvest, leveraging two decades of private lending experience referenced in its marketing. No venture or institutional funding rounds, headcount, revenue, or unit-volume metrics are publicly disclosed.

Name

F2 Finance

Legal name

F2 Finance LLC

Website

https://f2yes.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

F2 Finance LLC is a California-based, balance-sheet bridge and hard money lender originating $300k-$3M short-term business-purpose loans to real estate investors and entrepreneurs across 16 US states, including foreign nationals and low-FICO borrowers.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

akta.pro secondary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Bridge loans
• Hard money lending
• Fix and flip financing
• Private real estate lending
• Cash out refinance

Headquarters

HQ city

Santa Monica

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Bridge Loan Origination: F2 Finance generates revenue through origination fees and interest income on bridge loans and hard money lending. Loans range from $300k to $3m with terms from 1 to 24 months. The company is a true balance sheet lender that holds loans through to maturity rather than selling in the secondary market.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

F2 Finance is a true balance sheet private lender that originates short-term business-purpose real estate loans (bridge loans, hard money loans, fix & flip loans, cash-out refinances, foreign national loans, and commercial bridge loans) ranging from $300,000 to $3,000,000 with terms of 1 to 24 months. The company funds directly from its own balance sheet — holding loans through to maturity rather than selling in the secondary market — and targets real estate investors and entrepreneurs across 16 U.S. states, including those who are foreign nationals or have low FICO scores.

Product overview

F2 Finance is a balance sheet lender offering a unified portfolio of real estate bridge loans and hard money lending products. The core offering consists of Bridge Loans, Hard Money Loans, Fix & Flip Loans, Cash Out Refinance, Foreign National Loans, Commercial Bridge Loans, and Purchase Loans. Loans range from $300,000 to $3 million with terms from 1 to 24 months. The company operates across 16 U.S. states and lends against various property types including single-family residences, commercial properties, mixed-use buildings, multi-family units, and vacant land. F2 Finance targets real estate entrepreneurs and investors, including those with non-traditional credit profiles such as foreign nationals and low-FICO borrowers.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridge Loans Short-term financing for real estate investors to bridge the gap between property purchase and long-term financing or sale. Loans range from $300k to $3m with terms from 1 to 24 months, against all property types.
• Hard Money Loans Asset-based lending secured by real estate collateral, available to investors and entrepreneurs who may not qualify for traditional bank financing, including foreign nationals and low-FICO borrowers.
• Fix & Flip Loans Financing for real estate investors purchasing and rehabilitating properties for resale, with fast funding and common-sense underwriting aligned to fix-and-flip timelines.
• Cash Out Refinance Loan product allowing borrowers to access equity in existing investment properties by refinancing at higher amounts than current debt, with recent deals at 70%+ LTV.
• Foreign National Loans Bridge and investment-property loans for international borrowers without U.S. credit scores or SSN, enabling foreign nationals to invest in U.S. real estate.
• Commercial Bridge Loans Short-term commercial real estate financing for properties including commercial lodges, mixed-use buildings, multi-family properties, and assisted living facilities.

Quantifiable outcome

• Funding completed in as short as 36 hours
• +1 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Faes + CocoreOthersFaes + Co is an affiliated entity, with F2 Finance co-founder/operator Christian Faes associated with both companies. F2 Finance was launched by the co-founder of LendInvest as a US-based fix and flip lender.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• LendInvest: UK-listed specialist property lender co-founded by Christian Faes. Comparable domain and product logic (short-term property-backed lending to investors) and serves as the strategic playbook for F2 Finance.

Direct peers

• Lima One Capital: Specialty hard money lender offering fix-and-flip, rental, and new construction loans to real estate investors. Highly comparable product mix and investor target customer base to F2 Finance.
• CoreVest Finance: Specialty lender to residential real estate investors offering fix-and-flip and rental loans (acquired by Redwood Trust). Competes head-to-head with F2 in the bridge/fix-flip segment.
• AHP Funding: Direct hard money lender for fix-and-flip and rental investors across multiple US states. Comparable product set, borrower profile, and balance sheet lending model to F2 Finance.
• RCN Capital: National private lender providing short-term fix-and-flip and rental portfolio loans to real estate investors. Similar loan size range and broker-driven distribution model to F2.
• Kiavi: One of the largest US fix-and-flip lenders, providing bridge and rehab financing to real estate investors. Directly comparable to F2 Finance on product (bridge/fix-flip), customer (real estate investors), and go-to-market (broker + direct).
• Visio Financial Services: Private lender offering bridge and rental loans to real estate investors. Overlaps with F2 on short-term bridge product and investor customer segment.

Emerging players

• Groundfloor: Real estate lending platform focused on fix-and-flip loans funded via retail investors. Adjacent model to F2 with overlapping borrower base but different funding mechanism (crowdfunded vs balance sheet).
• Patch of Land: Real estate crowdfunding platform originating fix-and-flip and rental loans. Partial overlap with F2 in target borrower and loan type, with a marketplace funding model.

Regional players

• Bloomfield Capital: Direct private lender focused on commercial real estate bridge and value-add loans. Comparable short-term, asset-based lending model with overlap on commercial property types (mixed-use, assisted living) financed by F2.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/F2Finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about F2 Finance