How To Secure Fast Transactional Funding For Your Real Estate Deals

Table of Contents

• What is transactional funding?
• Who needs this solution?
• How fast is fast?
• Requirements to qualify
• Common pitfalls to avoid
• Benefits for wholesalers
• Finding the right lender
• Using funding to scale
• How to apply
• Final thoughts

Timing is everything in real estate—especially when you're flipping contracts or double-closing deals. That’s where transactional funding solutions come in, giving real estate investors and wholesalers a fast, secure way to close without the need for upfront capital. Whether you’re managing a back-to-back close or a quick-flip strategy, access to short-term funds can be the difference between a done deal and a missed opportunity.

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What is transactional funding?

Transactional funding is a short-term loan used by real estate investors to close a deal when they don’t want to—or can’t—use their own money. It’s typically used in double closings, where you buy and sell a property on the same day.

This solution gives you just enough capital to purchase the property before flipping it. Learn more about transactional real estate funding options.

For a closer look at how these transactions work legally across states, check resources from https://www.nolo.com.

Who needs this solution?

While anyone in real estate might find value in quick funding, these groups benefit the most:

• Wholesalers managing same-day double closings
• Investors with no access to private capital
• Real estate agents flipping contracts behind the scenes
• Cash buyers looking to protect liquidity

If your business model requires speed and flexibility, fast transactional real estate loans may be the solution. Consider reviewing examples of funded deals for inspiration. For current market trends, visit https://www.realtor.com.

How fast is fast?

Most transactional funding is provided within 24 to 48 hours, assuming paperwork is ready. This is critical for tight closing windows or competitive wholesale deals.

• Same-day availability in ideal cases
• Quick underwriting process
• Funds wired directly to title company

You can get a better sense of timing options at our loan application page or calculate potential returns with this real estate calculator tool. Additional industry timing standards can be found at https://www.hud.gov.

Requirements to qualify

The bar is low—but not nonexistent. Here's what's commonly needed:

• A signed AB (purchase) and BC (sale) contract
• A title company or closing attorney in place
• Exit buyer committed and verified
• Completed proof of funds if requested

You can request documentation like proof of funds letters here. Also, check out fairness-in-lending guidelines on https://consumerfinance.gov.

Common pitfalls to avoid

Even quick closings have speed bumps. Avoid these mistakes:

• Having an unqualified end buyer
• Poor communication with the title company
• Failing to confirm everyone understands a double close
• Delays in funding due to incomplete paperwork

Many mistakes stem from a lack of planning—learn from others via our real estate funding blog. It also pays to know your rights using resources like https://www.irs.gov.

Benefits for wholesalers

As a wholesaler, transactional funding lets you work smarter and stay compliant if assignment contracts are restricted in your area. Here’s how it gives you the edge:

• Control over the deal structure
• No need to risk personal capital
• Appears stronger to sellers and buyers
• Minimizes legal issues in tricky states

This kind of quick funding expands your deal pipeline. For added due diligence, look at related agency advice at https://www.ftc.gov.

Finding the right lender

The right lending partner doesn’t just send money—they help you close. Look for these traits:

• Experience with back-to-back closings
• No hidden junk fees
• Clear communication with your title company

Browse options and see trusted lenders at our contact page. Learn tips for vetting lenders at https://www.bbb.org.

Using funding to scale

Transactional funding isn’t just a short-term tool—it’s a way to grow. By building a repeatable system, you can scale your wholesaling or investing operation fast.

Want to grow long-term? See our long-term investment tools too. You can also read advice from veteran investors at https://biggerpockets.com.

How to apply

Most applications take under 10 minutes. You’ll typically need to provide the AB/BC contracts and a closing timeline.

Get started on a fast transactional real estate loan with our official loan application. For documentation standards, also visit https://www.usa.gov.

Final thoughts

Whether you're new or seasoned, using transactional funding solutions opens new doors for faster, more secure deals. With the right prep, you can move quickly, close profitably, and build relationships that keep deals flowing.

Check out our About section to see why investors trust us time after time. For more on market snapshots and news that affects your closings, visit https://www.fdic.gov.

Frequently Asked Questions

1. What is transactional funding used for?

It’s used in real estate to briefly fund a property purchase before it's immediately resold, commonly in double closings or wholesale deals.

2. Do I need good credit to qualify?

No, approval is deal-based, not credit-based. The focus is on the documentation and your end buyer.

3. How long can I keep the funds?

Typically, funding is for 24–48 hours—long enough for same-day or back-to-back closings only.

4. Are there upfront fees?

Some lenders charge minimal transaction fees, but reputable ones will be transparent and itemize everything clearly.

5. Can I use it more than once?

Yes, many investors use it repeatedly to scale operations. Once you're approved, future deals can go even faster.

6. What happens if my end buyer backs out?

If the BC leg of the deal fails, you’re still responsible for repayment—communication and vetting your buyer is key.

7. Can I use it on any property type?

Most lenders approve residential, but some allow small commercial or multi-family on a case-by-case basis.

8. Is transactional funding legal in all states?

Yes, but the structure must comply with state-specific laws. Always have a closing attorney or title company involved.

9. How long does approval take?

With documents ready, approval can be done in hours. Faster if you’ve worked with the lender before.

10. Are assignment contracts better than double closings?

It depends on your state or deal. In some places, double closes offer more control and compliance.

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