The practical path to a same-day wholesale double close — fund 100% of the purchase, take title for a moment, and resell with none of your own cash at risk.
When a wholesale deal can’t be assigned — or you simply want to keep your profit private — you need to actually take title for a moment and resell the same day. That’s what transactional funding is for: short-term money that funds 100% of your purchase so you can double-close without any of your own cash. This guide walks through how to use transactional funding, step by step.
For the full product breakdown, see our transactional funding hub; below is the practical path.
Step 1: Understand the Double Close
Transactional funding powers an A-to-B / B-to-C transaction. The original seller (A) sells to you (B), and the same day you sell to your end buyer (C). Our funds cover the A-to-B closing so you take title for a moment, then the B-to-C proceeds repay our loan within hours. It’s different from assigning a contract — you actually own the property briefly, which is necessary when the contract can’t be assigned and keeps your profit off the end buyer’s closing statement.
Step 2: Line Up Your End Buyer First
This is the single most important step. Transactional funding is built for a same-day close, so the B-to-C leg has to be confirmed and ready before you schedule. If your end buyer isn’t lined up and ready to close, the deal doesn’t work under this product. Make sure their financing (if any) is in place well ahead of closing day.
Step 3: Confirm Your Title Company Allows Double Closes
The main variable on your end is the title company — not every title company or closing attorney handles simultaneous double closes. Confirm yours does before you schedule. A title company experienced with double closes makes the whole transaction smooth.
Step 4: Request Funding — No Credit, No Income Docs
Because the end buyer’s same-day purchase repays the loan within hours, there’s no borrower underwriting in the traditional sense. We don’t run your credit or ask for income, employment, bank statements, or tax returns. There’s no appraisal and no down payment. You’ll have a pre-approval letter to make credible offers, and we can close on very short notice.
Step 5: Close Both Legs the Same Day
On closing day, we fund the A-to-B purchase, you take title, and your end buyer closes the B-to-C transaction. Our loan is repaid from the B-to-C proceeds along with our flat 2% transaction fee, and your profit is the spread minus the fee and closing costs — with none of your own capital ever at risk.
Transactional Funding at a Glance
Transactional Funding at a Glance
Frequently Asked Questions
It lets a wholesaler buy and resell a property the same day in a double close, funding 100% of the purchase so you never bring your own cash. It’s used when a contract can’t be assigned, when you want to appear as a cash buyer, or when you want to keep your profit off the end buyer’s closing statement.
Correct. We don’t run your credit or ask for income, employment, bank statements, or tax returns, because the end buyer’s same-day purchase repays the loan within hours. There’s no borrower risk to underwrite.
A flat 2% transaction fee, with no upfront fees. There’s no minimum deal size and a maximum of $1,000,000 per transaction.
The product is built for a same-day double close — if the B-to-C leg doesn’t close that day, the deal doesn’t work under this program. That’s why it’s critical to have your end buyer confirmed and ready before you schedule.
Same-day or next-day funding is standard. As long as your end buyer is lined up and the title company supports the structure, we can fund the A-to-B purchase quickly.