Transactional Funding for Wholesalers | Same-Day Double Close

1-2%

Fee

$50K-$5M

Deal size

Same day

Proof of funds

None

Credit check

24 hours

Funding speed

All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.

Why Requity

Built for wholesalers

Your margin lives and dies on execution speed. Transactional funding should never be the bottleneck. We provide same-day proof of funds, 24-hour closings, and a process designed around how wholesale deals actually work.

Same-Day Funding

Capital is wired to the title company on closing day. No multi-day hold periods, no waiting for wires to clear. Your A-B close happens on schedule regardless of the end buyer's title company or funding timeline.

No Personal Qualification

Transactional funding is secured by the deal, not the borrower. No credit check, no income verification, no tax returns. The only requirement is a confirmed end buyer with verified funds for the B-C closing.

24-Hour Turnaround

Submit your contracts today, get proof of funds today. We move at the speed wholesale deals require. Many deals are approved and funded within 24 hours of first contact.

Process

From contract to closing

Four steps, one day. Submit your contracts, get proof of funds, close both sides, collect your spread.

Submit Your A-B Contract

Send us your purchase agreement (A-B contract) and your end-buyer agreement (B-C contract). We verify that both closings are scheduled for the same day and that the end buyer's funds are confirmed.

Receive Proof of Funds

Within hours, we issue a proof of funds letter and wire instructions. The title company receives confirmation that funds will be available for the A-B closing.

We Fund the A-B Close

On closing day, we wire the purchase funds to the title company for the A-B transaction. You take title to the property momentarily.

B-C Close Completes

The end buyer closes the B-C transaction the same day. Their funds repay our transactional capital, and your wholesale profit is disbursed to you at closing.

FAQ

Transactional funding FAQ

What does transactional funding cost?

Transactional funding is typically 1% to 2% of the loan balance (the A-B purchase price). The fee is deducted from proceeds at closing. There are no upfront fees, application fees, or processing charges. The exact rate depends on deal size and complexity.

How does a double close work with transactional funding?

In a double close, you (the wholesaler) purchase the property from the seller (A-B transaction) and immediately resell it to your end buyer (B-C transaction) on the same day. Transactional funding provides the capital for the A-B purchase. When the B-C close completes, the end buyer's funds repay the transactional lender, and your profit (the spread between A-B and B-C prices) is disbursed to you.

Do I need good credit to get transactional funding?

No. Transactional funding is not based on your personal credit, income, or net worth. The funding decision is based entirely on the deal: a valid A-B purchase contract, a confirmed B-C end buyer with verified funds, and a title company that can facilitate a same-day double close.

What if my end buyer's closing is delayed?

If the B-C closing does not occur on the same day as the A-B closing, the transactional funds remain deployed and additional per-diem charges may apply. We work with the title company to coordinate timing and minimize the risk of delays. It is critical that the end buyer's financing is confirmed before we fund the A-B transaction.

What is the minimum and maximum deal size?

We fund transactional deals from $50,000 to $5,000,000. Most wholesale double closes fall in the $100K to $1M range. Larger deals are evaluated on a case-by-case basis.

How fast can I get proof of funds?

Proof of funds letters are typically issued within hours of receiving your complete deal package (A-B contract, B-C contract, end buyer's proof of funds or pre-approval). For deals submitted before noon, same-day proof of funds is standard.

Does the title company need to be involved?

Yes. Both the A-B and B-C closings are facilitated through a title company or closing attorney. We wire funds directly to the title company for the A-B close. The title company coordinates the sequential closings and manages the disbursement of all proceeds.

Can I use transactional funding for assignment deals?

Transactional funding is specifically designed for double closes where you take title momentarily. If you are assigning the contract (selling the contract itself rather than the property), you typically do not need transactional funding since no purchase occurs. However, some sellers or title companies do not allow assignments, making a double close with transactional funding the necessary alternative.

Same-day capital for double closes

Get your transactional funding quote