Transactional Funding for Wholesalers & Double Closings
Close your same-day back-to-back deal without using your own cash. We fund the A-to-B leg of a double closing so you can resell to your end buyer — no credit checks, no income verification.
What is transactional funding?
Transactional funding is very short-term financing used to complete a same-day double closing — often called an A-B-C transaction. It funds your purchase from the original seller (the A-to-B close) so you can immediately resell the property to your end buyer (the B-to-C close). The loan is repaid from the end buyer's purchase, usually the same day.
It lets wholesalers and investors close deals without tying up their own capital — and without relying on a contract assignment, so your buy and sell prices stay separate.
How an A-B-C double closing works
- A → B: ECM funds your purchase of the property from the original seller.
- B → C: You immediately resell to your end buyer at your price.
- Repayment: The loan is repaid from the end buyer's funds — typically the same day.
Benefits
- No personal capital required — fund the buy side without using your own cash.
- No credit or income verification — the deal is driven by your end buyer, not your finances.
- Keeps prices private — your buy and sell prices stay separate, unlike an assignment.
- Fast turnaround — designed for same-day back-to-back closings.
- Simple exit — repaid from the end buyer's purchase.
- Nationwide — available to wholesalers across the country.
What you need
You'll generally need a solid end buyer already lined up and both closings ready to happen back-to-back. Send ECM the details of your A-to-B and B-to-C transactions and we'll walk you through the requirements. Browse all loan programs if you're weighing other options like fix and flip financing.
Transactional funding FAQs
What is transactional funding?
Transactional funding is very short-term financing used to complete a same-day double closing (an A-B-C transaction). It funds the purchase from the original seller (A to B) so the investor can immediately resell to the end buyer (B to C), with the loan repaid from the end buyer's purchase — typically the same day.
Who uses transactional funding?
Real estate wholesalers and investors use transactional funding to close deals where reselling the contract via assignment is not an option, or where they want to keep their buy and sell prices separate. It lets you close without using your own capital.
Do I need good credit or income verification?
No. Because transactional funding is repaid almost immediately from the end buyer's purchase, it generally does not require credit checks or personal income verification — the exit buyer is what makes the deal work.
What do I need to qualify?
You typically need a solid end buyer already lined up and both transactions ready to close back-to-back. Contact ECM with your A-to-B and B-to-C details and we'll walk you through the requirements.
Have a double closing lined up?
Send us your A-to-B and B-to-C details and we'll get you the funding to close.