Transactional funding from Real Quick Funds is built for short-term, escrow-secured deals such as double closes and earnest money deposits. It underwrites the transaction, not your credit, and most complete submissions get a same-day written decision. Use a typical hard money lender or a bank when you need months or years of financing to buy, rehab, or hold a property, and treat money from friends and family as a private loan that should be documented, not as a substitute for title-verified transactional funding.
Quick comparison
This table compares Real Quick Funds' own transactional funding with three common alternatives. Real Quick Funds also offers hard money, DSCR, ground up construction, and RV park loans, and you can submit those through realquickfunds.com. Hard money and DSCR loans follow ordinary hard money or rental loan underwriting, including credit review. The Real Quick Funds column below is about the transactional funding RQF provides with its own capital.
| Real Quick Funds (transactional funding) | Typical hard money lender | Banks and conventional loans | Private money from friends and family | |
|---|---|---|---|---|
| Speed to fund | Most complete submissions get a same-day written decision. No file waits more than one business day. On a double close, capital is funded and repaid through escrow the same day. Earnest money is wired to escrow after terms, timed to your contract deadline. | Often about 3 to 10 business days after a complete file. Timing varies by lender, valuation, and title work. | A typical purchase contract closes in about 30 days. Many files take 30 to 45 days. | Highly variable. It can move quickly if the cash is already available and the documents are ready, or it can stall while people decide. |
| What each funds | 100% of the A-to-B purchase on a double close. Earnest money deposits (EMD). Cash to close on Stack Method deals (seller carry plus a primary loan). End-buyer down payment on Echo Method deals, repaid from the spread at closing. Double close funding up to $100M. Stack and Echo funding up to $10M. Does not fund gap loans or standing second-position notes. | Typically first-position purchase, rehab, and bridge loans for flips and value-add projects. Not a standard source for earnest money wires or same-day double close capital. | Long-term purchase and refinance loans that meet conventional or government guidelines. Not designed for wholesale double closes or earnest money deposits. | Whatever the parties agree to, often a down payment or a short private loan. Rarely set up for escrow-secured double closes or deadline-driven EMD wires. |
| Typical costs | Priced per deal based on structure, timeline, and risk. You receive exact written terms, typically the same day. No obligation. | Interest commonly falls in a roughly 9% to 14% range, with origination often about 1 to 3 points (a point is 1% of the loan). Some lenders advertise outside that range. Other fees can include underwriting, valuation, and draws. | As of November 5, 2026, the average 30-year fixed conventional rate was 7.18%, and the average 15-year rate was 6.57% (Freddie Mac, for 20% down and excellent credit). Closing costs typically run about 2% to 5% of the purchase price, not including the down payment. | Often below a bank rate if the parties agree. A family loan generally needs to charge at least the IRS applicable federal rate to avoid imputed interest and possible gift-tax issues. Budget for legal costs if you document it properly. The larger cost is the relationship if repayment goes poorly. |
| Requirements | No credit check on transactional funding. No personal income documents for these products. Real Quick Funds underwrites the transaction. You submit the contracts, escrow or title details, and, on a double close, end-buyer proof of funds or loan approval. Clear EMD refundability terms are required for earnest money funding. | Underwritten mainly on the property, the plan, and the exit. Many lenders still review credit and may look for a score in the mid-600s. A down payment, entity documents, a rehab budget, and an exit plan are common. Less income paperwork than a bank. | Conventional loans often start around a 620 credit score, though lenders set their own overlays. Income, asset, and employment documentation are standard. Owner-occupied programs can allow as little as 3% down. Investment property purchases commonly need about 15% down on a one-unit property, and more on 2-to-4 unit properties. An appraisal is typical. | Based on trust, not formal underwriting. There is usually no credit or income review. A written promissory note, and a recorded mortgage or deed of trust if the loan is secured by the property, is the prudent way to do it. |
| Term length | Double close, Stack, and Echo funding are typically in and out the same day through escrow. EMD is repaid at closing or when the contract is terminated, per the written agreement. | Often 6 to 24 months, with 12 months common. | Commonly 15 or 30 years. | Negotiated. There is no standard term. |
| Best use case | A wholesale or creative-finance deal that needs short-term capital and will repay the funder at closing through title. | A fix-and-flip or value-add purchase that needs first-position capital for months, not hours. | A long-term hold on a property you will occupy or rent, when you can qualify and can wait for full underwriting. | A simple, documented private loan when someone close to you has cash, understands the risk, and is not your only path to making a closing deadline. |
When to use transactional funding from Real Quick Funds
Use Real Quick Funds when the capital you need is short-term and the repayment is built into the closing.
That includes:
- A double close (also called a back-to-back close) where you buy from the seller and sell to your end buyer on the same day, and you want 100% of the A-to-B purchase funded.
- An earnest money deadline you cannot miss because your cash is already in other contracts.
- A Stack Method close, where seller carry and a primary loan are combined, and cash still has to show up at the table.
- An Echo Method close, where your end buyer is short the down payment and the deal's spread can repay the funder on the same settlement statement.
Transactional funding is not a substitute for a months-long rehab loan, a long-term rental mortgage, or a standing second-position note. Real Quick Funds does not fund gap loans or subordinate positions that stay on the property after closing. If the second position is a seller carry that repays the funder at closing, that can be a different structure (see Stack Method). If you need a hard money, DSCR rental, ground up construction, or RV park loan, you can submit it through realquickfunds.com.
When to use a typical hard money lender
Use a hard money lender when you are buying a property to improve or bridge, and you will repay the loan over months from a sale or a refinance.
Hard money is usually a first-position, asset-based loan. The lender looks at the property, the purchase price, the rehab plan, and the after-repair value more than at your W-2. That speed is useful when a bank will not move in time. The tradeoff is a higher rate, points, a down payment, and a short term, often around a year.
Hard money is usually the wrong tool for a same-day double close or an earnest money wire. Those are transactional funding problems.
When to use a bank or conventional loan
Use a bank or conventional loan when you plan to hold the property and can wait for full underwriting.
The rate is usually the lowest of these four options if you qualify. You will provide income and asset documents, meet credit and down payment guidelines, and wait for an appraisal and a closing that often takes about a month. Owner-occupied programs can allow a small down payment. Investment property loans typically need more cash in the deal.
A conventional loan will not fund a wholesale double close or an earnest money deposit. If your end buyer is using a bank loan on the B-to-C side of a double close, that is their financing, not yours. Your A-to-B capital still needs a transactional funder.
When to use private money from friends and family
Use friends and family money only when the person lending it has cash they can afford to put at risk, understands the deal, and is willing to put the terms in writing.
A private loan can be flexible and sometimes cheaper than a bank. It can also strain a relationship if the deal is delayed, the property needs more cash, or repayment is late. Family loans generally need to charge at least the IRS applicable federal rate to avoid imputed interest and possible gift-tax issues. If the loan is secured by the property, a promissory note plus a recorded mortgage or deed of trust is the prudent path.
Friends and family are rarely set up to wire earnest money to escrow on a deadline, or to fund a double close through title with locked disbursement instructions. Do not make a closing depend on an informal promise.
How an RQF double close works
A double close is two closings on the same property, typically on the same day. You buy from the seller (A-to-B), then sell to your end buyer (B-to-C). Real Quick Funds funds 100% of the A-to-B purchase. Escrow repays the funder from your B-to-C proceeds. Unlike an assignment, your contract price and your profit are not disclosed to the end buyer on the settlement.
This structure fits when assignments are restricted in your market or by the contract, when you do not want your fee visible, when your end buyer is ready and funded, and when you need same-day in-and-out capital without using your own cash.
The process:
- Submit both contracts and the closing date at realquickfunds.com.
- You receive written terms the same day on most submissions. There is no credit pull on transactional funding.
- Real Quick Funds funds the A-to-B purchase to title. Escrow repays the funder from your B-to-C proceeds.
What you will need:
- The A-to-B and B-to-C contracts
- End-buyer proof of funds or loan approval
- One title or escrow office handling both legs (preferred)
Repayment flows through licensed title or escrow at closing. Funds do not pass through personal accounts. Every transaction is escrow-secured and title-verified.
How RQF earnest money (EMD) funding works
EMD funding is a wire of your earnest money deposit to escrow so you can lock a contract without pulling that cash from your own reserves. It is built for investors who are holding more than one contract at a time, or who have a deadline hours away and capital already deployed elsewhere.
The process:
- Submit the contract, the EMD amount, and the escrow details.
- Real Quick Funds verifies the file and issues written terms, typically the same business day.
- The earnest money wires to escrow. Repayment follows the agreement at closing or if the contract is terminated.
What you will need:
- An executed purchase contract
- Escrow or title wiring instructions
- Clear EMD refundability terms
FAQ
How fast will I get a decision from Real Quick Funds?
Most complete submissions get a same-day decision. If you submit in the morning, you will usually hear back that afternoon. If you submit late in the day, the answer typically arrives by the next business morning. No deal waits more than one business day, and the answer is a clear written decision.
Do you run a credit check?
No credit checks on transactional funding (double close, EMD, Stack, and Echo). Real Quick Funds underwrites the transaction. Longer-term products such as DSCR loans qualify on property cash flow and involve standard lending verification.
What does transactional funding cost?
Every deal is priced individually based on structure, timeline, and risk. Submit your deal and you will receive exact written terms, typically the same day, and never more than one business day. There is no obligation.
Do you fund 100% of a double close?
Yes. Real Quick Funds funds 100% of the A-to-B purchase. Your B-to-C sale repays the funder through escrow the same day.
What do I need for EMD funding, and when is it repaid?
You need an executed purchase contract, escrow or title wiring instructions, and clear EMD refundability terms. After written terms are issued, the earnest money is wired to escrow. It is repaid per the agreement at closing, or if the contract is terminated.
What states does Real Quick Funds work in?
All 50 states.
Do you fund gap loans or second-position notes?
No. Real Quick Funds does not fund gap loans or standing second-position (subordinate) notes. If a deal needs a second position, the path that can work is a seller carry structured so the transactional funding is repaid at closing. If you need a hard money, DSCR rental, ground up construction, or RV park loan, you can submit it through realquickfunds.com.
What is the difference between transactional funding and a hard money loan?
Transactional funding is short-term capital for a specific closing event. It is underwritten on the contracts and the escrow path, often decided the same day, with no credit check, and typically repaid through title the same day (or, for EMD, at closing or termination). A hard money loan is usually a first-position, asset-based loan for a flip or value-add project. It is repaid over months, priced with interest and points, and often takes several business days to a couple of weeks to close.
Apply
If transactional funding fits your deal, submit it at realquickfunds.com. The form takes about two minutes. Most complete submissions get a same-day written decision, with no obligation.
Real Quick Funds, LLC. Transactional funding for real estate investors. Not a consumer lender.