Wholesale assignment, two closings, same day
You assigned the contract to a buyer who isn't ready to fund the A→B side. We wire your purchase, title closes A→B, then B→C, our funds come back inside the hour. The spread is yours.
Same-day capital
$1.5 million. Wired the day of close.
For wholesalers running a double-close, sponsors needing proof-of-funds inside an hour, or novation deals that fall apart if the EMD doesn't sit. The clock is the deal — we're built for it.
Why this exists
Most lenders won't touch a deal where their funds leave the same day they wired.
A wholesale double-close needs $750K for forty minutes. A novation needs proof of funds before the seller calendars the closing. An EMD needs a hold the title company can verify. None of those fit a 30-day mortgage box.
We built this product because the deal pipeline is full of these — and because operators kept telling us they were leaving money on the table waiting for a hard-money lender to "see if they can make it work."
Our funds clear escrow, sit, and come back. We charge the spread. You close the deal that would have died otherwise.
When operators call us
Four scenarios. One product.
Replace yourself on the contract before the seller closes
Title needs to see real funds in escrow before they'll record. We supply proof-of-funds + the wire on closing morning. Buyer takes title. We're out by 5pm.
$25K – $250K earnest money the seller will actually accept
For deals where the seller wants the EMD held by an institution, not a personal check. We wire to the title company's escrow, you close the contract on your timeline.
Verifiable balance for an offer that has to land in the next hour
The seller wants a POF letter on a real bank's letterhead before they'll counter. We issue the letter and back it with the wire if you take the deal.
The mechanics
How a same-day funding actually moves.
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01
Submit the deal
Contract A→B, contract B→C (if applicable), title commitment, your wire instructions. We confirm receipt by phone.
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02
We pre-clear the title company
Your TC and ours speak directly. We confirm the escrow account, wire instructions, and the close-out timeline before the morning of close.
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03
Wire goes out
Cleared funds in the title company's escrow within 90 minutes of issuing. Title records, funds shift to the seller.
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04
Return wire
The B→C close moves your buyer's wire into escrow. Our funds return same day. Spread plus fee comes back to us, the rest is yours.
What it costs
Priced on the duration the funds actually sit.
| Funding | Hold | Fee | Notes |
|---|---|---|---|
Up to $250KEMD & small POF |
Same day | From $1,500 flat | Title company on our approved list |
$250K – $750KStandard double-close |
Same day | 1.5% of funding | Tier 1 wholesalers |
$750K – $1.5MLarger double, novation |
Same day | 1.5–2% of funding | Manual underwrite on title risk |
Multi-day holdWhen funds sit beyond 24 hrs |
24–72 hrs | +0.5% / day | By exception · pre-approved title only |
What wholesalers ask first
Five honest answers, no hedging.
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What title companies do you work with?
We have a vetted list across PA, DE, NJ, MD, and NY. We can clear new title companies in 48 hours if they're licensed and bonded. We won't fund into title companies we can't verify.
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What's your minimum credit / experience requirement?
None for the wholesaler — this is a property-side product. We underwrite the deal and the title risk, not your file.
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Can you fund novations?
Yes, when title has accepted the novation and the close-out timeline is real. We've done these in PA, DE, and NJ — happy to walk through the structure on the call.
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What if the B→C side falls through after we wire?
The title company holds our funds in escrow. If B→C fails, you have until end of next business day to close A→B with replacement capital — or our funds reverse out. Spelled out in the funding agreement.
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How fast can I get an approval?
Twenty minutes if the contracts and title commitment are in hand. Pre-clearing a new title company adds a day. Funding the morning of close is the standard flow.
When the wire has to move, we move it.
Send us the contracts and the title commitment. We'll pre-clear today and fund tomorrow morning.