Double-Close Transactional Funding for Wholesalers

Close more wholesale deals without tying up your own capital.

FundMyEstate's Double-Close Transactional Funding gives you the short-term capital to buy a property from the seller (A-to-B) and resell it right away to your end buyer (B-to-C). Both closings run through the same title company, usually on the same day. The lender only funds once your end buyer's money is already in escrow.

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What Is Double-Close Transactional Funding?

Double-close transactional funding is very short-term financing for the first leg of a two-part real estate closing. It is also called a back-to-back closing, an A-B-C close, or same-day funding:

A-to-B transaction: You, the wholesaler (B), buy the property from the original seller (A). Transactional funding pays the A-to-B purchase price.
B-to-C transaction: You immediately sell the same property to your end buyer (C) at a higher price. The end buyer's funds repay the transactional funding, and you keep the spread.

Each leg has its own purchase agreement and its own settlement statement. The seller sees the A-to-B price, the end buyer sees the B-to-C price, and your spread is not shown as an assignment fee.

Why Double-Close Funding Is Ideal for Wholesalers

Transactional funding is built for wholesalers who want to close more deals:

No personal capital tied up: The A-to-B purchase is funded for you, so your cash stays free for marketing and earnest money on your next contract.
Close more deals at once: Your capital isn't stuck in a single closing, so you can run several deals in parallel.
More privacy on your spread: You aren't relying on an assignment, so your margin doesn't show up as a line-item assignment fee to the seller or the buyer.
Works when assignment isn't an option: Some contracts, REO sellers, or end-buyer lenders won't accept an assignment. A double close gives you a real, recorded chain of title.
More credibility with buyers: Cash buyers and investors want to work with wholesalers who actually close.

Requirements for Double-Close Transactional Funding

Approval depends on the structure and strength of the deal. Every file must meet these six requirements.

1. A Wholesale Deal Built to Close

This program is designed for wholesalers who have a property under contract and a buyer ready to go. The goal is simple: close the deal you've already found and move on to the next one.

2. A Clearly Structured A-to-B and B-to-C Transaction

You need two separate, fully executed purchase agreements:

A-to-B: the original seller (A) to you, the wholesaler (B)
B-to-C: you (B) to your end buyer (C)

Each contract needs its own price, parties, property description, and closing terms. The two agreements must line up on the property and the closing date.

3. A Secured, Financially Capable End Buyer

An end buyer must already be under contract and able to close. Expect to show proof of funds for a cash buyer, or a lender commitment for a financed buyer. Without a verified end buyer, there is no deal to fund.

4. Both Transactions at the SAME Title Company

The A-to-B and B-to-C closings must be coordinated through the same title company. That keeps the money flow, the deed recordings, and the payoff of the transactional funding under one escrow. Pick an investor-friendly title company with experience in back-to-back closings.

5. Lender Review of Agreements, Funding Amount, and Timeline

Before approval, the lender reviews:

The executed A-to-B and B-to-C purchase agreements
The funding amount requested for the A-to-B purchase
The closing timeline for both legs

This review confirms the spread covers the funding cost and both sets of closing costs, and that the dates work.

6. A Closing Structure That Repays the Funding as Agreed

The closing must be set up so the transactional funding is repaid as agreed from the B-to-C proceeds. The lender does not fund until the B-to-C funds are in escrow. That way, the end buyer's money is confirmed before any capital goes out for the A-to-B purchase.

Check If Your Deal Qualifies

Double-Close Funding Checklist

Documents to prepare

Executed A-to-B purchase agreement
Executed B-to-C purchase agreement
End buyer proof of funds or lender commitment
Title company contact and confirmation that both legs will close there
Requested funding amount
Scheduled closing date and timeline for both closings

Deal structure to confirm

Clear A-to-B and B-to-C chain on the same property
End buyer secured and financially capable
Same title company handling both transactions
B-to-C funds will be deposited in escrow before A-to-B funding
Spread covers the funding cost and both sets of closing costs

How the Double-Close Process Works

Step 1: Put the Property Under Contract (A-to-B)

Sign a purchase agreement with the seller at your purchase price.

Step 2: Secure Your End Buyer (B-to-C)

Sign a second purchase agreement with your end buyer at your resale price. Collect their proof of funds or lender commitment.

Step 3: Choose One Title Company for Both Closings

Open escrow for both transactions with the same investor-friendly title company and line up the closing schedule.

Step 4: Submit Your Deal to FundMyEstate

Send both executed agreements, the funding amount, the end-buyer verification, and the closing timeline for review.

Step 5: End Buyer Funds Arrive in Escrow

The end buyer's B-to-C funds are deposited and confirmed with the title company.

Step 6: Lender Funds the A-to-B Purchase

Once the B-C funds are confirmed in escrow, the transactional funding is released to the title company and the A-to-B closing happens.

Step 7: B-to-C Closes and the Funding Is Repaid

The B-to-C closing completes. The title company repays the transactional funding as agreed, pays the closing costs, and sends your spread to you.

Double Close vs. Assignment of Contract

Factor	Double Close	Assignment of Contract
Who takes title	You (B), briefly	You never take title
Spread visibility	Not shown as an assignment fee	Assignment fee visible on settlement statement
Contracts needed	Two (A-to-B and B-to-C)	One contract plus an assignment agreement
Closing costs	Two sets plus a transactional funding fee	Usually one set
Works with non-assignable contracts	Yes	No
Typical fit	Larger spreads, sensitive sellers, buyers' lenders that reject assignments	Smaller, straightforward deals

Common Mistakes That Delay a Double Close

Using two different title companies. The money flow and payoff can't be coordinated, so the file can't be funded.
Unverified end buyers. No proof of funds or lender commitment means no approval.
Mismatched contracts. Different property descriptions, dates, or missing signatures stall the review.
Thin spreads. If the spread doesn't cover the funding fee and two sets of closing costs, the deal doesn't work.
Late B-to-C funds. The lender won't fund until the B-C money is in escrow, so tell your buyer's lender exactly when funds are due.

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Frequently Asked Questions

What is double-close transactional funding?

It is short-term capital that pays for a wholesaler's A-to-B purchase so they can immediately resell the property to an end buyer in a B-to-C closing. The funding is repaid from the end buyer's funds at the same title company.

Who is double-close transactional funding for?

It is ideal for real estate wholesalers who want to close more deals without tying up their own capital, especially when an assignment isn't allowed or they want more privacy on their spread.

What are the requirements for transactional funding?

You need a clearly structured A-to-B and B-to-C transaction, a secured and financially capable end buyer, both closings at the same title company, and lender review of the executed purchase agreements, funding amount, and closing timeline. The closing must allow the funding to be repaid as agreed.

Why must both closings use the same title company?

One title company controls the escrow for both legs. That lets it confirm the B-to-C funds, record the deeds in the right order, and repay the transactional funding from the end buyer's proceeds.

When does the lender release the funds?

The lender does not fund until the B-to-C funds are in escrow. Once the end buyer's money is confirmed, the transactional funding is released for the A-to-B closing.

What documents does the lender review?

The lender reviews the executed A-to-B and B-to-C purchase agreements, the requested funding amount, and the closing timeline, along with the end buyer's proof of funds or lender commitment.

Do I need my own money to double close?

You don't need personal capital for the A-to-B purchase price, because transactional funding covers it. You are still responsible for your own earnest money, the funding fee, and closing costs as agreed.

What happens if my end buyer can't close?

If the B-to-C funds never reach escrow, the transactional funding is not released. That's why the end buyer must be secured and verified before you apply.

Can I use transactional funding on multiple deals?

Yes. Each funding is repaid at closing, so wholesalers can use it deal after deal to scale their volume.

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Ready to Close More Wholesale Deals?

Have an A-to-B contract, a funded end buyer, and one title company ready for both closings? FundMyEstate can review your double close today.