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Transactional funding.
Same-day capital for the A to B leg of a double close, repaid out of the B to C closing the same day. No credit check, no income verification, no upfront fee.
How it works
Money for an hour, not a mortgage.
Transactional funding covers the A to B leg of a double close: buying the property from the original seller for the length of time it takes to immediately resell it to the end buyer, usually the same day, at the same title company. It is not a loan in the ordinary sense, because it is repaid out of the B to C closing rather than through payments.
That structure is why there is no credit check and no income verification. What matters is whether the end buyer's funds are real and verified before the A to B closing happens, since the whole arrangement depends on that money arriving that day to repay the A to B purchase and release the profit at closing.
The deal can be priced before the offer is written, so the seller reads the wholesaler as a real buyer rather than as somebody hoping to arrange money later. Terms come back inside 24 to 48 hours, and it costs nothing to ask.
There is no upfront fee to submit a deal or to request a letter. The cost of the funding itself is charged as a flat fee at closing and comes out of the proceeds, priced against the size of the A to B purchase rather than against how long the money is out.
What to bring
What this needs from you.
Required
- An executed purchase contract for the A to B leg.
- A verified end buyer with bank statements showing their funds or a financing commitment for the B to C leg.
- Both closings scheduled at the same title company, ideally the same day.
- Basic entity information to close in. No credit check and no income verification are required.
- The B to C contract, once it exists, so both legs can be coordinated at the title company.
Terms, plainly
The whole box, before you ask.
Most lenders make you get on a call to learn this. Here it is.
| Structure | A to B to C double close, same day in most cases |
|---|---|
| Credit check | None. Repayment comes from the B to C closing, not from the borrower |
| Cost | A flat fee at closing, sized to the A to B purchase amount, not a rate over time |
| Decision | Same day in most cases once the end buyer is verified |
| Upfront fee | None, for a submission or for pricing a deal |
| Pre-approval | Priced ahead of the offer, inside 24 to 48 hours |
| Property types | Non-owner-occupied residential, 1 to 4 units, and small multifamily |
Questions
Answered without the phone call.
How fast can a double close actually fund?
Same day, when both closings are scheduled at the same title company on the same day. Getting the deal in ahead of the closing date rather than the morning of is what makes that timing reliable.
Do you check my credit for transactional funding?
No. Repayment comes from the end buyer's closing the same day, so what matters is that the B to C buyer and their funds are verified, not what your credit score is.
What do you need to price a deal?
The property, the contract price, and an outline of the deal. There is no fee and no credit pull, and in most cases the letter comes back the same day.
What happens if my end buyer falls through?
The double close does not happen and nothing funds. The end buyer is verified before the A to B leg specifically because the whole structure depends on their money arriving that day.
What if I want to keep the property instead of wholesaling it?
Then it is a fix and flip deal rather than a double close, and it is the same underwriting conversation, just a different instrument. Say so when you submit it.
Guides
Written to go with this program.
Assignment vs double close: which one this deal needs
Assigning is cheaper and simpler. Double closing keeps your spread private and works where an assignment cannot. Four questions decide it.
Double close funding: how A to B to C actually works
Two closings, one day, funded by money that exists for about an hour. The mechanics, the paperwork, and where double closes actually go wrong.
Transactional funding for wholesalers: same-day A to B to C
Same-day funding for the A to B leg of a double close, priced before you write the offer. What is offered, what it needs, and how it works.
Who uses this
Depending on who you are.
Market guides
Where this program meets the local deal.
These pages cover the market-specific underwriting issues that change how this loan is structured.
Where
Lending is nationwide.
Lending is nationwide. The states below have their own page because they are where the most deals come from, not because they are the only places money goes. If your property is somewhere else, submit it anyway; the terms do not change with the postmark.
New Jersey, Pennsylvania, New York, Texas, Ohio, Indiana, North Carolina, South Carolina, Virginia, Maryland, Delaware. See all markets.
Submit a deal
Let's price it.
No credit pull, no obligation, and a real answer either way. If it is not a fit I will tell you why, and usually who to call instead.
- Terms in 24 to 48 hours
- Written, not verbal
- One person, start to finish
A to B / B to C · Same day