Earnest Money Funding

Maximum Funding

Up to $500,000

Standard Period

Up to 30 days

Extensions

Available up to 120 days

Credit Check

No credit pull on current structure

Availability

All 50 states

Funding

Wired direct to escrow

Pricing

Option A: 5% upfront ($1K min) + 20% at close ($2K min) · Option B: 10% upfront ($2K min), $0 at close

EMD Funding

Short-term deposit funding, commonly wired to escrow during the refundable period

Double Close

Often priced as a percentage of the A-B funding, tiered by amount

Stack / Echo

Often priced as a percentage with a minimum fee

Credit

Many transactional structures require no personal credit pull

Timeline

Commonly same-day to a few days on complete submissions

Earnest Money Funding is for wholesalers and end buyers who need to secure a contract without tying up their own cash for the deposit. That includes wholesalers who need EMD to lock a contract before assigning or double-closing, end buyers who want to keep their cash available for closing, and investors facing a time-sensitive contract deadline where the deposit must be posted quickly.

Earnest Money Funding provides the earnest money deposit required to secure a purchase contract, wired directly to escrow during the refundable period. It is short-term capital repaid at closing or through the applicable refunded EMD — not a long-term loan. No credit pull is run on the current structure.

Use Earnest Money Funding when a contract deadline is approaching and you need EMD to lock the deal without tying up personal liquidity. It fits the moment between contract execution and closing — the window where the deposit must be posted to secure the deal but you want to preserve your cash for the closing itself.

Earnest Money Funding lets you secure contracts and keep your cash available for closing, with no credit pull on the current structure. It is used instead of traditional bank financing because a conventional loan is not designed to fund a short-term refundable deposit — the timeline is too short and the purpose is wrong. Transactional EMD funding is built for exactly this: post the deposit, secure the contract, and repay from the closing or the refunded EMD.

• Wholesalers needing EMD to secure a contract
• End buyers keeping cash available for closing
• Time-sensitive contract deadlines
• Securing multiple contracts without tying up liquidity

1. 1

   Submit the deal

   Select your transaction type and provide the executed contracts, end-buyer proof of funds, and structure details.

2. 2

   Preliminary review

   We identify the appropriate funding path and provider for the transaction structure.

3. 3

   Verification

   The provider verifies the agreement, end buyer, title/escrow setup, and structure soundness.

4. 4

   Funding

   Fund the deposit, double close, or cash-to-close — repaid from the transaction at closing.

A transactional funding provider evaluates the transaction structure, not the borrower's personal credit or income. They review the executed contracts, the end buyer's ability to close (proof of funds or loan approval), the title and escrow setup, and whether the structure is sound — whether the deposit is refundable, whether the B-C buyer is funded, whether the seller carry covers the gap. Because repayment comes from the transaction itself, the credibility of the closing chain matters more than the borrower's profile. No personal credit pull is run on the current structures.

• Repaid at closing from the transaction proceeds
• Repaid through the refunded EMD if the contract terminates within the refundable period

• Requires an executed purchase agreement
• Refundability terms must be understood — return of EMD is not guaranteed
• Generally limited to the refundable period