Let $f: R^2 \times R^2 \rightarrow R^{2 \times 2}$ s.t. $ f((x_1, y_1 ),(x_1, y_1 )) = \begin{bmatrix} x_{1} y_1 & x_{1} y_2 \\ x_{2} y_1 & x_{2} y_2 \end{bmatrix} $
f is bilinear, but not surjective. I am told that that (f, $R^{2 \times 2}$) has the universal property, i.e. that for any bilinear map g from $R^2\times R^2$ to some vector space H, there exists a unique linear map G from $R^{2 \times 2}$ to H s.t. G $\circ$ f = g. However, I do not think this is possible, since f is not subjective. (We can consider $\begin{bmatrix} 0 & 1 \\ 1& 0 \end{bmatrix} $ for example.)
Does (f, $R^{2 \times 2}$) have the universal property? I know $R^{2 \times 2}$ is isomorphic as a tensor product to $R \otimes R$, but I can't seem to find an isomorphism. I think this might be the first step, any help would be much appreciated.