Transactional capital

Instantfunding.

Simple, no credit check funding for EMD, Double Closing, and Stack Method (seller carry-back) deals — with access to over $100M in capital and the most experienced transactional funding team in the market today.

Approval in under 30 minutes
No credit check$100M+ capital50 states
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By the numbers

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Deals Funded

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Funded in 2026

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Happy Borrowers

The process

How it works.

Understand the process and fees beforehand.

Here's everything that will happen immediately after you submit your deal for EMD funding

  1. 1.

    We will review your request(typically within 30 min)

    Are all of the contracts signed and executed by both parties? Is the EMD refundable? If so, is the inspection period 7 days out?

  2. 2.

    We will send you the following contracts to sign/have signed

    A mutual release agreement (to be signed by the SELLER). An EMD agreement confirming we will fund your deal.

  3. 3.

    We will have you connect us with your title company to do the following

    Have your title company sign off agreeing to abide by our agreed upon contracts. Confirm no other issues will arise from having the EMD sent from a 3rd party.

Outcome

Once the above are complete your deal will be funded, guaranteed.

Fees

We charge a flat 5% up-front return on all EMD deals and addtl. 20% when it closes. Deals over 30 days will have an additional fee. The 5% fee is non-refundable, and has a minimum of $1,500.

Here's everything that will happen immediately after you submit your deal for Double Close funding.

  1. 1.

    We will review your request(typically within 30 min)

    Are the AB & BC contract both signed and executed by all parties? Do the AB/BC Buyer & Seller match up and all addresses match? Is there enough spread between the 2 deals to pay all fees and closing costs? Do both contracts have the deals set to close on the same day?

  2. 2.

    We will have you introduce us to your title company as the AB funder

    Once introduced, we will go through our checks with the title company. These include confirming the amount that needs to be funded, and signing off on the final payoff (HUD) showing the safe return of our capital.

  3. 3.

    Final checks are completed and funds are sent

    Our final checks include confirming all end buyer funds are in first, as this is the only way to ensure our funds are protected. We will also confirm all documents are signed and disbursement is ready. Once this is complete, funds will be sent immediately.

Outcome

As long as all of our requirements are met by title, your funding is guaranteed in full every time.

Fees

We charge a flat 1.5% fee on all same title company double closings up to $1M with at least 1 weeks notice. If you need the money quicker than that or are closing at separate title co. there will be an additional +1% fee. Our minimum return is $1,500 on smaller deals.

Here's everything that will happen immediately after you submit your deal for Stack Method funding.

  1. 1.

    We will review your request(typically within 30 min)

    Has the seller clearly agreed on a seller carry-back structure? Is the seller carry enough to cover closing costs & fees?

  2. 2.

    We will send you our full setup guide for the transaction

    This will include VIP links for setting up your bank account and contracts to confirm our agreement for funding. These contracts also clarify our role to ensure transparency with your lenders.

  3. 3.

    We will schedule your intake call

    On the call, someone on our team will review the details of your deal and confirm our ability to help you get it to the finish line. We will also review whether or not you qualifying for our Stack Pro program, which allows you to bypass the up-front fee and handle all contracts and lending logistics on your own.

  4. 4.

    We will setup your dashboard account

    Once setup in our proprietary dashboard, you'll be able to communicate smoothly and clearly with our team on all steps required to get your deal to the finish line.

Fees

We charge a flat 2.5% minimum fee on Stack Method deals with at least 1 weeks notice. If you need the money quicker than that we will have to review to confirm. Our minimum return is $2,500 on smaller deals.

Questions?

Verified reviews

Why work with us?

Rated Excellent

Based on verified borrower reviews

Lars

US · 2 reviews

May 19, 2026

Verified

Excellent experience

Fast, professional, and seamless transactional funding. Responsive team, competitive rates, and zero stress. Perfect for Morby/Stack deals — highly recommend!

Josh Stanley

US · 1 review

Mar 12, 2026

Verified

Amazing service

Amazing service, fair pricing, great team.

Mitsonky Jecrois

US · 1 review

Feb 13, 2026

Verified

Everyone came together to make sure the…

Everyone came together to make sure the deal closed. Thank you.

Cesar Felix

US · 1 review

Jan 29, 2026

Verified

Fast and quick communication

Fast and quick communication! Great service and helped me get what was needed right away. Will continue to use them for all future deals.

Ben Jensen

Wholesaler

3 days ago

Verified

They got it done ASAP

We typically don't need EMD funding on our direct to seller deals, but I had 2 come up that required it and they got it done asap!

Gage Garber

Wholesaler

1 week ago

Verified

The most streamlined

I have worked with many transactional funders before, but working with iFundwise was by far the most streamlined and easy.

Christian Dean

Flipper

2 weeks ago

Verified

Funded same day

iFundwise was a huge help with closing my deal fast! Sent in a request and they were able to fund my EMD same day!

Lars

US · 2 reviews

May 19, 2026

Verified

Excellent experience

Fast, professional, and seamless transactional funding. Responsive team, competitive rates, and zero stress. Perfect for Morby/Stack deals — highly recommend!

Josh Stanley

US · 1 review

Mar 12, 2026

Verified

Amazing service

Amazing service, fair pricing, great team.

Mitsonky Jecrois

US · 1 review

Feb 13, 2026

Verified

Everyone came together to make sure the…

Everyone came together to make sure the deal closed. Thank you.

Cesar Felix

US · 1 review

Jan 29, 2026

Verified

Fast and quick communication

Fast and quick communication! Great service and helped me get what was needed right away. Will continue to use them for all future deals.

Ben Jensen

Wholesaler

3 days ago

Verified

They got it done ASAP

We typically don't need EMD funding on our direct to seller deals, but I had 2 come up that required it and they got it done asap!

Gage Garber

Wholesaler

1 week ago

Verified

The most streamlined

I have worked with many transactional funders before, but working with iFundwise was by far the most streamlined and easy.

Christian Dean

Flipper

2 weeks ago

Verified

Funded same day

iFundwise was a huge help with closing my deal fast! Sent in a request and they were able to fund my EMD same day!

Common questions

Frequently asked.

We charge 5% up-front return for EMD (up to 30 days) with an additional 20% fee when it closes. Double close funding starts at 1.5%. These numbers can change depending on duration of the deal and risks involved. Seller carry-back funding starts at 2.5% for the added work.

For EMD, we charge the 5% fee up front to pay our team for underwriting and processing the deal. Sadly we must do this so we don't end up losing money by funding your cancelled deal. This is significantly lower than what most people charge when a deal closes, so if you're confident in your deal you'll save lots of capital.

A double closing is a real estate transaction method where two back-to-back property sales occur on the same day, involving three parties: the original seller, the wholesaler (investor), and the end buyer.

Here's how it works:

First Transaction: The investor agrees to purchase the property from the original seller.

Second Transaction: The investor simultaneously sells the property to the end buyer at a higher price.

During a double closing, the investor typically uses transactional funding (our services) to close the first transaction. This allows the investor to profit from the difference in sale prices without needing to use their own funds for an extended period. Double closings are often used in real estate wholesaling and transactional funding, allowing investors to efficiently facilitate deals and earn profits by connecting motivated sellers with interested buyers.

A stack method deal otherwise known as a seller carry-back occurs when the buyer gets a new loan to purchase a property, and then comes to an agreement with the seller for them to finance the down-payment behind the loan.

If your deal matches this structure and your lender approves, we will fund the down-payment for the first transaction until it is replaced with the money the seller is willing to finance to you after the purchase as agreed.

We can fund EMD for end buyers if you and the seller sign an addendum making the inspection period go through the close of escrow. All details will be sent when your deal is submitted.

We will fund up to $100k on EMD and $100M for double closings. As long as your deal qualifies under our standards, we will be your one stop shop for all transactional funding both now and in the future!

We typically require 48 hours of notice to fund a deal, however we have funded in as quickly as 5 minutes (seriously). If you have a deal, your best bet is to submit it as soon as possible so we can review it and get the process started.

If an EMD deal does not close, we just have the EMD sent back. Your only cost would be the up front fee and nothing else.

For double closing and seller carry-backs there would be no charge since we don't fund until closing.

Submit a deal

Funding request.

Four short steps. Approval typically within 30 minutes.

Funding Request

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What type of deal is this?

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