Short-term capital for active real estate deals
Transactional lending connects a specific capital need to a documented real estate transaction, a clear deadline and a credible repayment event.
The primary funding solution
Transactional lending is short-term, business-purpose funding used to complete a defined step in a real estate deal. The request is underwritten around the transaction rather than treated as a general pool of capital.
The funded step may be the earnest money deposit required to secure a contract, the A–B purchase in a double closing, or a documented gap between available funds and the total amount needed to complete an approved transaction. Each use has a different risk period, closing path and repayment plan.
Transactional lending does not replace a valid contract, clear title, a capable closing professional or a credible exit. JC13 Solutions reviews the property, parties, documents, amount, timing and repayment event together. Terms and availability depend on that complete review.
Different stages, different uses
Provides capital for the upfront deposit required to secure a qualified real estate purchase agreement. Review centers on the signed contract, escrow instructions, deadline, refundability and exit.
Read the EMD funding guideProvides short-duration acquisition capital when the investor completes an A–B purchase before a separate B–C resale. Both contracts, title, settlement sequence and end-buyer funds matter.
Read the double-close guideProvides short-term capital to cover the difference between available funds and the total funds required to complete a documented deal. All other capital and the repayment plan must be disclosed.
Read the gap funding guideWholesaling and the closing path
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.
With an assignment, the wholesaler transfers contractual rights to another buyer and generally does not take title. With a double closing, the wholesaler or investor purchases from the seller in an A–B transaction and then sells to the end buyer in a separate B–C transaction.
Transactional lending is most directly associated with the second path because capital may be needed for the A–B purchase before the B–C proceeds are available. The two contracts, closing statements, title work and funds flow must support the sequence. State law, licensing rules, disclosure requirements and closing practices vary, so investors should obtain advice from qualified professionals.
Before a review
Provide the purchase agreement, resale or exit documents when applicable, amendments, buyer entity, seller information and all material dates.
Show the purchase price, deposits, capital already available, requested amount, closing costs, repairs, reserves, other financing and anticipated payoffs.
Identify the title company, attorney or escrow holder, the funding deadline and the documented sale, refinance, return of deposit or other proposed repayment event.
Investor deal-structure guide
These concepts are not interchangeable. Some describe lending products, while others describe acquisition, partnership, seller-finance or operating strategies. Availability through JC13 Solutions depends on the actual request and review.
Choose the matching guide
Deposit deadlines, escrow instructions, refundability and exit planning.
Open the service guidePurchase and resaleA–B and B–C contracts, end-buyer readiness, title and settlement coordination.
Open the service guideRequired funds differenceAvailable funds, required funds, the exact shortfall and the full repayment plan.
Open the service guideNon-bank capitalProperty, requested amount, collateral, risk, timeline and exit.
Open the service guideAsset-based capitalAcquisition, renovation, value, borrower contribution and sale or refinance exit.
Open the service guideSeller-provided termsPurchase-money notes, payment terms, lien position and professional documentation.
Open the service guideBuy, rehab, rent, refinanceAcquisition basis, renovation, rent stabilization and refinance assumptions.
Open the service guidePractical constraints
Transactional lending can be time-sensitive, but speed does not replace title review, contract review, identity and entity verification, closing instructions or final approval. Any change to the parties, price, buyer, amount, dates or proposed exit may require the request to be reviewed again.
Creative-finance structures can involve existing debt, due-on-sale provisions, seller obligations, disclosure rules, licensing requirements, tax consequences and state-specific law. JC13 Solutions does not replace legal, tax, accounting, title or closing advice. Every party should understand the documents and risks before signing or transferring funds.
Transactional lending FAQ
No. Double-close acquisition capital is a central use, but transactional lending can also describe other short-term capital tied to a specific deal step, including qualified EMD and gap-funding requests. Each request is reviewed separately.
No. Transactional lending is tied to a short, defined transaction and repayment event. Hard money is commonly held longer and may fund acquisition, renovation and a later sale or refinance.
A standard double-close request generally needs a documented B–C buyer whose funds or financing support the resale. EMD and gap requests may use different exits, but every request needs a credible repayment path.
Those labels alone do not determine eligibility. The exact documents, existing debt, requested use, title structure, seller consent, repayment plan and legal review determine whether any capital request can be considered.
The transaction, contracts, title, closing process, requested amount, available funds, repayment source, risk, documentation and available capital all matter. Submission is not approval.
Next step
Send the contracts, available funds, requested amount, use, deadline, closing contact and documented exit. JC13 Solutions can review the complete picture and explain what additional information is required.
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