Transactional Funding for Wholesalers & Double Closes
Same-day capital that funds your A-to-B purchase so you can double close without using your own cash. No credit check, no appraisal.
- 100% funding of the A-to-B purchase
- Same-day — repaid from the B-to-C sale
- No credit check, no income docs, no appraisal
- Flat fee or ~1–2% of the funded amount
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Transactional funding is ultra-short-term capital that funds the first leg of a double close — letting a wholesaler buy and immediately resell a property without using personal cash. The funding is typically outstanding for only a few hours.
If you're new to the mechanics, start with the transactional funding glossary entry and double close.
The deal it powers
A double close is two transactions on the same property, same day:
A (seller) ──▶ B (you, wholesaler) ──▶ C (end buyer)
- A→B: Transactional funding pays for your purchase from the seller.
- B→C: You immediately resell to your end buyer at a markup.
- The funder is repaid same-day from the C proceeds.
Because the money is out and back within hours, transactional funders don't check your credit or income — they care about one thing: is the end buyer real and ready to close?
Why wholesalers choose a double close over an assignment
- Keep your spread private. A large assignment fee on the closing statement can blow up a deal. Two separate closings keep each party's numbers on its own statement.
- Satisfy the end buyer's lender. Many institutional and conventional buyers won't fund an assigned contract but will buy from a seller of record — a double close accommodates that.
- Clean chain of title. You're a genuine owner in the chain, even if only for minutes.
What it costs
Transactional funding is priced as a flat fee (often $750–$2,500) or **1–2% of the funded amount**, depending on deal size. Some lenders — including Real Lending — discount the fee when the end buyer finances their purchase through them. You'll also pay two sets of closing costs (one per transaction), so a double close makes sense when the spread comfortably covers both.
Example
| Line | Amount |
|---|---|
| A→B purchase (funded 100%) | $150,000 |
| B→C resale | $172,000 |
| Gross spread | $22,000 |
| Transactional fee (~1.5%) | ~$2,250 |
| Two sets of closing costs (est.) | ~$3,500 |
| Net to wholesaler (approx.) | ~$16,250 |
The one requirement
The end buyer's purchase repays the loan, so transactional funders require evidence the B→C buyer is real and funded — usually a proof-of-funds letter or the buyer's lender commitment — before they release the A→B money. No qualified end buyer, no transactional funding.
Ready to line up a double close? See our step-by-step guide or get a quote. Transactional funding is business-purpose financing for real estate professionals.
Frequently asked questions
Do you check my credit for transactional funding?
No. Because the loan is repaid same-day from your end buyer's purchase, there's no credit check, no income verification, and no appraisal. What we require is proof that your B→C end buyer is real and funded.
How much does transactional funding cost?
Typically a flat fee (often around $750–$2,500) or about 1–2% of the funded amount, depending on deal size. You'll also pay two sets of closing costs since a double close is two transactions. Some lenders reduce the fee if the end buyer finances through them.
What do I need to qualify?
A signed A→B contract, a ready B→C end buyer with proof of funds (or a lender commitment), and a title company comfortable closing back-to-back transactions. Your personal credit and income are not part of the decision.
Is transactional funding the same as a hard money loan?
No. Hard money is a multi-month loan secured by a property you'll hold through a rehab or bridge. Transactional funding lasts only hours and exists solely to fund the A→B leg of a same-day double close, repaid immediately from the resale.
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