Stack Funding

Maximum Funding

Up to $1,000,000; case-by-case above $1M

Timeline

Approximately 1–2 days on complete submissions

Structure

Primary loan + seller carry + transactional capital

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

Stack Funding is for buyers combining seller financing with a DSCR or hard-money primary loan, where the seller carry is large enough to cover the transactional funding, fee, and applicable transaction costs. That includes investors structuring layered closings where a primary loan plus seller carry still leaves a gap, and buyers who want to preserve an agreed seller-finance component while completing the cash-to-close.

Stack Funding fills the cash-to-close gap left after the primary loan and seller carry, preserving an agreed seller-finance component in the closing. It is short-duration transactional capital sequenced late to reduce capital exposure, repaid at closing from the transaction. No personal credit pull on the current structure.

Use Stack Funding when a primary loan plus seller carry still leaves a closing gap and you want to keep the seller financing in place. It fits the moment at the closing table — when the primary loan and seller carry are agreed but a residual gap remains that must be filled to close.

Stack completes the required cash-to-close while preserving seller financing; transactional capital is sequenced late to reduce capital exposure. It is used instead of traditional bank financing because it solves a layered closing-table gap a conventional loan is not designed to fill — the structure combines three capital sources in one closing, with no personal credit pull.

• Transactions combining seller finance + primary loan + gap
• Deals needing layered capital to close
• Preserving a seller-carry component

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 executed purchase contract and primary lender term sheet
• Seller carry must cover funding + fees + transaction costs
• Senior lender must permit the structure
• FHA / VA primary financing is not compatible with the current Stack structure