Purchase and resale economics
Identify the A–B purchase price, B–C sales price, requested amount, deposits, closing costs, payoff items, and expected spread. Numbers must make sense across both settlement statements, not only on the resale contract.
A–B / B–C Closing Capital
Double-Close Funding for Wholesalers
When an assignment will not fit the deal, capital for the purchase can help you close in your entity and resell to a ready end buyer.
The Structure
What double-close funding does for a wholesale transaction
Double-close funding is short-duration capital reviewed for the first leg of a coordinated purchase and resale. It is a primary form of transactional lending for a wholesaler or investor who has a seller under contract, must take title, and has an end buyer positioned for a separate resale closing.
In the A–B closing, your entity purchases from the original seller. In the B–C closing, your entity sells to the end buyer. The two contracts, settlement statements, title work, and closing instructions must support that sequence. The B–C sale is a separate transaction—not an assignment—and its proceeds are expected to provide the repayment source for the capital used in the A–B purchase.
For qualified requests, transactional lending may provide the capital used for the first closing. It is not a substitute for a supported end-buyer closing, clean title work, or a settlement team that can carry out the required process.
Before You Submit
Bring the numbers behind both closings
End-buyer readiness
Show how the B–C buyer plans to close, whether with verified funds or financing. A credible buyer, documented source of funds, and workable closing schedule are central to the review.
Settlement coordination
Provide the title company or closing attorney contact, preliminary title information, and the proposed closing sequence. The settlement team must be able to follow the agreed funding and disbursement instructions.
Review Process
How a double-close funding request is evaluated
The review starts with whether the two closings form one documented, fundable sequence. That means examining the executed or near-final A–B purchase contract and B–C resale contract alongside title status, closing dates, requested capital, and the end buyer’s ability to perform.
We also look at the proposed settlement flow: what must be paid at the first closing, when the second closing is expected to occur, and how repayment would be handled. Draft closing disclosures or settlement statements can clarify taxes, liens, commissions, escrow items, and other charges that affect the amount needed. Entity and identification documents may be needed to confirm the purchasing party and signing authority.
Terms, timing, and whether capital is available depend on the complete review. A submitted deal is not an approval, and an initial conversation does not replace final title, document, and funding review. Providing accurate information early helps identify open items before closing day.
Practical Considerations
Understand the constraints before committing
A double close creates two purchase-and-sale transactions. That may mean two sets of settlement fees, title charges, recording costs, commissions, or other closing expenses. Confirm the complete sources and uses rather than assuming the resale price alone covers every obligation.
Timing is important, but not every request is appropriate for a same-day or back-to-back sequence. The acceptable closing window depends on the contracts, title conditions, end-buyer funds, settlement process, and available capital. Any extension, title issue, lender delay, buyer change, or incomplete document can affect whether the planned sequence works.
A double close can separate the A–B and B–C contracts, but it does not remove disclosure, title, contractual, tax, legal, or closing-agent requirements. Sellers, buyers, and investors should use their own legal, tax, and closing professionals for advice about their obligations. Do not make promises to either party based on anticipated funding until the structure has been reviewed.
If the up-front obstacle is the purchase-contract deposit rather than the A–B acquisition funds, review Earnest Money Deposit Capital as a related option. Each request is evaluated separately.
Frequently Asked Questions
Double-close funding questions, answered
What is a double close in wholesaling?
A double close is an A–B purchase followed by a B–C resale. The wholesaler or investor takes title in the first transaction, then transfers title to the end buyer in the second, using separate contracts and closings.
When might a double close be used instead of an assignment?
It may be considered when assignment is restricted by the purchase agreement, when a party requires a purchase and resale, or when the transaction calls for separate closing documents. The appropriate approach depends on the contracts and professional guidance.
Does the end buyer need proof of funds?
End-buyer readiness is a key part of review. Proof of funds or financing information helps establish whether the B–C transaction has a credible, documented path to closing.
Do both closings have to occur on the same day?
Not always. Whether a same-day or another short sequence is workable depends on the capital structure, contracts, title requirements, end-buyer funding, settlement process, and final review.
What can prevent double-close funding from moving forward?
Incomplete contracts, unresolved title matters, unsupported settlement numbers, an end buyer that cannot close, incompatible closing instructions, or unavailable capital can prevent a request from meeting review requirements.
Submit the Full Picture
Have an A–B contract and an end buyer?
Send the purchase contract, resale contract, title contact, requested amount, buyer-funds documentation, and both proposed closing dates. We will review the transaction sequence and let you know what additional information is needed.
Submit Your Deal