Transactional Funding: Same-Day Capital for Double Closings
Transactional funding is short-term capital — often held for just hours — that lets a wholesaler buy a property (A-to-B) and immediately resell to their end buyer (B-to-C) the same day. You never bring your own money to the table, and in most cases there's no credit check or appraisal.
If you've ever lost a deal because the seller wouldn't allow an assignment, or you didn't want the end buyer to see your assignment fee, a double close solves both.
How It Works
- 1.
A–B closing
Our transactional funding partners fund 100% of your purchase from the seller.
- 2.
B–C closing
Your end buyer closes, usually the same day or within 24–48 hours.
- 3.
Payoff
The funding plus the fee is repaid from the B–C proceeds; your profit is the spread.
Note: the end buyer's funds must be verified and both closings scheduled with the same or cooperating title company before we wire.
What It Costs
Typically 1–2% of the funded amount with a low minimum fee — a small cost against a five-figure spread you'd otherwise lose.
When You Need It
- Seller's contract prohibits assignment
- Keeping your fee private from the end buyer
- REO/HUD sellers require you to actually close
- Your spread is large enough that an assignment would spook the buyer
Requirements
- Executed A–B purchase contract
- Executed B–C sale contract with a verified funded end buyer
- Title company that handles double closings
No credit pull, no income docs, no appraisal.
Why UpStallion
Our partners move at deal speed — same-day funding is available when your file is complete — and we'll coach you through structuring the double close if it's your first. Nationwide.
Frequently Asked Questions
Do I need good credit?
No; the end buyer's verified funds secure the transaction.
What if my end buyer doesn't show?
Funding isn't wired until the B–C side is verified and scheduled.
Can I get extended transactional funding?
Yes, 1–30 day holds are available; pricing adjusts with the period.