Define the capital need
Send the contracts, property, requested amount, exact use, deadline and proposed exit. Identify what is confirmed and what remains pending.
Transactional lending for wholesalers & real estate investors
Transactional Lending
for Real Estate Deals.
Access short-term capital for the specific step standing between a signed opportunity and a completed transaction. JC13 Solutions reviews transactional lending requests for earnest money deposits, double closings, funding gaps and other documented real estate needs.
Transactional lendingEarnest money deposit fundingDouble-close fundingGap funding
Capital tied to a real transaction
What is transactional lending?
Transactional lending is short-term, business-purpose capital used to complete a defined step in a real estate transaction. The request is reviewed around the property, contracts, amount needed, deadline and documented repayment plan.
For a wholesaler, the immediate need may be an earnest money deposit that secures the purchase agreement or acquisition capital for the first side of a double closing. For a real estate investor, it may be gap funding that covers the difference between available funds and the total funds required to complete an approved deal.
These are related but separate funding requests. Each has its own use, timing, documentation, risk and approval process. JC13 Solutions helps identify the actual capital need and organize the information required to review it.
Four connected capital needs
Choose the funding that matches
the stage of your deal.
Use these starting points to identify what must be funded. Each service page explains the structure, documents, review considerations and practical constraints in depth.
The primary solution
Transactional Lending
Short-term funding tied to a defined real estate transaction and a documented repayment event. Start here when you need help identifying the right structure.
Explore transactional lendingSecure the contractEarnest Money Deposit Funding
Capital for the upfront deposit required to secure a qualified purchase agreement while preserving operating cash for other deal needs.
Explore EMD fundingPurchase, then resellDouble-Close Funding
Capital for the A–B purchase in a separate purchase-and-resale sequence when an assignment is not used or does not fit the transaction.
Explore double-close fundingCover the differenceGap Funding
Short-term capital used to cover the difference between available funds and the total funds required to complete a documented deal.
Explore gap fundingBuilt for the actual deal path
Wholesaling does not always end with an assignment.
Wholesaling is a strategy in which an investor contracts to purchase a property at an agreed price and seeks to earn a profit by assigning the contract or completing a separate resale.
An assignment transfers the buyer’s contractual rights to another buyer, so the wholesaler generally does not take title. A double closing is different: the wholesaler or investor completes an A–B purchase and then a B–C resale under a second contract. That structure can create a short-term acquisition need suited to transactional lending.
Other opportunities may involve seller financing, a joint venture, a subject-to acquisition, a lease option, a wraparound mortgage, a novation or a BRRRR plan. Those terms describe different legal, financing and operating structures—not interchangeable loan products. Review the detailed guide before choosing a path, and use qualified legal, tax, title and closing professionals where appropriate.
Compare Deal StructuresHow transactional lending works
From deal submission to
an approved closing.
Review the structure
We evaluate the transaction, documents, title or escrow path, timing, repayment source and available capital. If the request can move forward, you review the proposed terms.
Coordinate the next step
After final approval and completion of all conditions, funding details are coordinated with the appropriate title company, attorney, escrow holder or closing professional.
Capital beyond a wholesale closing
Some strategies require a different funding timeline.
Private money, hard money, seller financing and BRRRR projects can involve longer holds, renovation work, property income or negotiated seller terms.
Private money lending uses non-bank capital for a specific opportunity. Hard money lending is commonly asset-based capital for short-term investment-property acquisitions and renovations. Seller carryback financing lets the seller finance an agreed portion of the purchase. BRRRR financing connects acquisition and rehab with a rental and refinance plan.
Each structure should be evaluated according to its actual documents, risks and repayment path. Do not treat a creative-finance strategy as approved funding until every party and closing professional has reviewed the proposed transaction.
Compare All Funding Options
Transactional lending questions
What investors ask before they submit.
What is transactional lending in real estate?
Transactional lending is short-term, business-purpose capital tied to a defined real estate transaction. The amount, use, timing, documents and repayment event are reviewed together.
Is EMD funding the same as double-close funding?
No. Earnest money deposit funding addresses the deposit required by a purchase contract. Double-close funding addresses the A–B acquisition before a separate B–C resale. A deal may involve one or both needs, but each is reviewed separately.
What is gap funding?
Gap funding is short-term capital used to cover the difference between the funds already available and the total funds required to complete a documented deal. The full capital stack and repayment plan must still work.
Do I need an end buyer for transactional lending?
A standard double-close request generally relies on a documented resale and a ready end buyer. An EMD or gap request may have a different exit, but every request needs a credible repayment plan.
Does submitting a deal guarantee funding?
No. Submission begins the review. Funding remains subject to complete documentation, acceptable terms, closing requirements, available capital and final approval.
Put the deal in motion
Tell us what the transaction needs—and when.
Share the property, contracts, available funds, requested amount, deadline and exit strategy. We will review the information and identify the appropriate next step.
Submit Your Deal