Get Financing
EMD & Gap Funding
Deposit capital and the last dollars that close the deal
Earnest money deposit financing lets you tie up a property without draining closing capital. Gap funding fills the space between your senior loan, your equity, and total project cost — both underwritten primarily to the exit.
- EMD size
- $25K – $2M
- Gap size
- $100K – $5M
- Speed
- 24 – 72 hours on EMD
- Term
- Through the scheduled closing
Best used for
- Investors under contract needing deposit capital fast
- Deals where the senior loan leaves a funding gap
- Wholesalers and assignors with a verified exit
- Sponsors preserving liquidity for closing costs
What we will need
- Executed purchase contract and escrow instructions
- Title or escrow company contact
- Proof of expected closing funds or senior loan approval
- Entity documents and ID
Programs in EMD & Gap Funding
EMD / Earnest Money Financing
Fund the deposit so you can tie up the deal without draining your closing capital.
- Rate
- Flat fee
- Origination
- 2.5 – 6 pts
- Term
- 1 mo – 3 mo
- Turnaround
- 1 – 5 days
Start this application →
Gap Funding
Close the space between your senior loan, your equity, and the total project cost.
- Rate
- 12% – 18%
- Origination
- 2 – 5 pts
- Term
- 6 mo – 2 yr
- Turnaround
- 5 – 15 days
Start this application →
How the process works
- Step 1
Submit
Property, deposit amount, due date and closing date.
- Step 2
Verify
We confirm escrow, the contract, and the source of takeout capital.
- Step 3
Fund
Deposit wired directly to escrow — never to the borrower.
- Step 4
Repay
Repaid at closing from the senior loan or sale proceeds.
Frequently asked
Are EMD funds sent to me?
No. Funds go directly to the title or escrow company holding the deposit.
What if the deal dies?
Repayment terms depend on contingency status; non-refundable deposits carry higher pricing and scrutiny.
More questions? Read the full FAQ or contact our Brickell office.
Other financing programs
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Loan calculator
Estimate monthly payments and total interest for this program.
Loan payment calculator
Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.
Typical range for this program: 0% – 0% · Priced as a flat fee on the deposit, not an annual rate
Estimated monthly interest
$0
- Total interest
- $0
- Total interest + payoff
- $500,000
- Principal
- $500,000
- Est. origination points
- $21,250
Interest-only program: principal is repaid as a balloon at maturity.
Get a real quoteRates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Submit your loan request
Send us the basics and a loan advisor will respond within one business day.