Echo Funding

Structure

End-buyer cash-to-close behind a primary lender

Credit Check

No personal credit pull on current structure

Base Fee

2.5%

Minimum Fee

$2,500

Add-Ons

+1% full verification of funds (VOF) · +1% multiple fund movements

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

Echo Funding is for end buyers who need cash-to-close on the B-C side of a double close, behind a primary lender. That includes end buyers whose primary lender leaves a cash-to-close shortfall on the B-C leg, and buyers structuring a double close where the end-buyer side needs supplemental transactional capital to close.

Echo Funding covers the end buyer's cash-to-close on the B-C side of a double close, behind the end buyer's primary lender, repaid at closing from the transaction. It is short-duration transactional capital with no personal credit pull on the current structure.

Use Echo Funding when the end buyer's primary lender leaves a cash-to-close shortfall on the B-C leg of a double close. It fits the moment at the B-C closing table — when the primary loan is approved but a residual cash-to-close gap remains that must be filled to close.

Echo fills the end-buyer cash-to-close behind a primary lender so the B-C closing completes. It is used instead of traditional bank financing because it solves a short-term cash-to-close shortfall a conventional loan is not designed to cover — the timeline is too short and the purpose is too specific, with no personal credit pull.

• End buyer cash-to-close behind a primary lender
• B-to-C side of a double-close transaction

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

• Requires an identified end buyer with primary lender terms
• Executed B-C contract required