Transactional Funding

Transactional Funding
Programs

Short-term capital solutions designed for wholesalers and investors who move fast. No credit check, no complicated underwriting — just deal-based funding that closes.

Program 01

EMD Funding

Secure contracts without tying up your own capital. Our earnest money deposit funding gives you the competitive edge to put deals under contract immediately — while your own funds stay liquid for acquisitions, renovations, and operations.

No credit check — deals are evaluated on fundamentals, not FICO scores.
Fast approval — decisions in as little as 24 hours.
Repaid at closing — no long-term commitment required.
Ideal for wholesalers, flippers, and buy-and-hold investors.
Apply for EMD Funding

Program 02

Double Close / Transactional Lending

Execute simultaneous A→B and B→C closings with confidence. Our transactional lending capital funds the B-side of your double close so you can protect your assignment fee when disclosure isn't an option.

24–72 hour turnaround — capital ready when your title company is.
Competitive rates — transparent fee structure with no hidden costs.
Minimal paperwork — streamlined process built for wholesalers.
Available for residential and small commercial transactions.
Apply for Double Close Funding

Program 03

Down Payment Funding

You negotiated the seller carry — now close it. When a seller finance deal covers the note but leaves a gap on the down payment, Secretire bridges the difference so you can execute the deal you worked to structure.

Bridge the gap — fund the down payment when the seller carries the note.
Flexible terms — structured to match your deal's timeline.
Creative finance compatible — works alongside subject-to and seller carry structures.
Close without a bank — no traditional lender required.
Apply for Down Payment Funding

Program Comparison

Find the right program
for your deal.

EMD Funding Double Close Down Payment Funding
Credit Check ✕ None Required ✕ None Required ✕ None Required
Funding Speed 24–48 Hours 24–72 Hours 48–72 Hours
Loan Term Through closing Same day (A→B→C) Short-term bridge
Best For Securing contracts fast Simultaneous closes Seller finance deals
Repayment At closing / assignment B→C closing proceeds Per agreement terms
Use Case Wholesalers, flippers Wholesalers protecting fee Creative finance investors

Common Questions

Frequently asked
questions.

Most EMD and double close deals are funded within 24–72 hours of application approval. The timeline depends on the complexity of your deal and how quickly your title company or closing attorney is ready. We move as fast as you do — submit your deal and our team reviews it the same business day.
No. Secretire LLC does not run credit checks as part of our approval process. We evaluate deals based on the transaction itself — the numbers, the exit strategy, and your plan. Your personal credit score is irrelevant to our decision.
We work with investors across the United States. Whether you're operating in a major metro or a secondary market, we evaluate deals based on the transaction fundamentals. Contact us directly if you have questions about a specific state or county.
Fees vary by program and deal size. We operate on a transparent, flat-fee or percentage-of-funding model — no hidden charges or surprise costs at closing. Your fee will be disclosed clearly before you sign any agreement. Submit your deal to receive a personalized quote.
Deal termination scenarios vary by program and are covered in your funding agreement. EMD funding repayment is typically tied to the closing event. If a deal falls through before closing, the terms for return of funds will be clearly outlined in your agreement. Reach out to our team immediately if your deal status changes.
Yes. Some deals require a combination of programs — for example, EMD funding to lock the contract and transactional lending to execute the double close. We structure solutions around your deal, not the other way around. Tell us what you need in the application and we'll work out the right structure.

Get Funded

Apply for funding.

Submit your deal details and our team will review your application within one business day. No credit check. No obligation.

✓ Application received — our team will be in touch within one business day.