Under
$25K
App Fee: $1,500
(Paid at Submission)
EMD Fee Rate: 10%
(Paid Upon Approval)
Common:
SFR, fix-and-flip,
residential
We fund the EMD.
You close the deal.
EMD Funders provides end-to-end soft EMD financing, bridging accepted offers to funded contracts so you can pursue more deals, on better terms, without deploying a dollar of your own money. Built for serious wholesalers and real estate investors.
Fast Funding
Wire transfers sent within 24 hours of approval.
Zero Upfront Costs
We only get paid when your deal closes successfully.
Keep Your Cash
Scale your wholesale business without tying up liquidity.
WHY CHOOSE US
Win Deals Without Tying Up Your Capital
Soft EMD financing built for serious operators who need speed, certainty, and stronger offers.
Win More Deals With Full EMD Coverage
We fund 100% of your earnest money deposit so you can submit stronger offers without tying up your capital. No co-pay. No partial funding. No hesitation at the table.
- 100% Funded Deposits
- No Capital Tied Up
- Stronger Offers Instantly
Same-Day Underwriting
Make your offer with confidence. Our process is built for speed—taking minutes, not days.
Independent Escrow Custody
All funds are held with a licensed third-party escrow partner, separate from EMD Funders.
Soft Deposit Advantage
Your EMD stays soft during due diligence—fully refundable, never at risk.
HOW IT WORKS
Simple Process. Fast Funding. Confident Closings.
We make EMD funding easy so you can focus on what matters most—closing more deals.
01
Apply
Complete our short online application. Once submitted, you'll receive a confirmation email, and we'll send payment instructions to process your application fee. This fee covers deal review, underwriting, and LLC formation, and is fully refundable if your deal is not approved for EMD funding.
02
Get Approved
Once your deal is approved, we'll issue a term sheet. After signing the term sheet and loan documents, you'll submit your EMD fee (based on the total deposit amount) either the day before or the same day your EMD is scheduled to be funded.
03
We Fund 100%
We fund 100% of your earnest money deposit directly to a licensed third-party escrow partner. Your deposit stays soft throughout the due diligence period, fully refundable, never at risk.
FAST APPROVALS
Get approved in minutes.
RELIABLE FUNDING
We show up when it matters.
SAFE & SECURE
Your information is protected.
CLOSE MORE DEALS
Win more. Close with confidence.
WHO WE SERVE
Built for Professional Operators
Built for investors who need to move faster, offer stronger,
and keep their capital deployed where it matters: renovations, acquisitions, and the next deal.
Investors &
Developers
Built for those managing business-purpose properties, from single-family rentals to large commercial assets.
Learn MoreWholesalers &
Operators
Perfect for operators with a solid exit plan who need to keep cash liquid during the due diligence period.
Learn MoreInvestment
Deals Only
Strictly for non-owner-occupied, business-purpose transactions. No primary residences or consumer financing.
Learn MoreTRUSTED TITLE PARTNER
All EMD-funded transactions are required to use our designated title and escrow partner. Title Policies are issued through Fidelity National Title, First American Title, Old Republic Title, and Stewart Title.
UN-EXECUTED PSA
We review the purchase agreement before execution. A signed PSA is generally not eligible for funding.
EXIT STRATEGY
Submit a brief explanation letter outlining your exit: assignment, double close, or end-buyer in place.
FAST. FLEXIBLE. RELIABLE.
YOUR CAPITAL PARTNER FOR CONFIDENT CLOSINGS.
PRICING
Simple Pricing. Two Fees. No Surprises.
Everything is disclosed upfront before you commit to anything.
We provide 100% of the deposit so you can keep your capital liquid and move faster on your next deal.
Up to
$25K – $100K
App Fee: $2,500
(Paid at Submission)
EMD Fee Rate: 10%
(Paid Upon Approval)
Common:
Small multifamily,
mid-commercial
Up to
$100K – $300K
App Fee: $3,500
(Paid at Submission)
EMD Fee Rate: 8%
(Paid Upon Approval)
Common:
Large multifamily,
retail, industrial
Over
$300K
App Fee: $5,000
(Paid at Submission)
EMD Fee Rate: 6%
(Paid Upon Approval)
Common:
Institutional,
major commercial
Tier 1 Example:
On a $20,000 EMD, you pay a $1,500 App Fee
+ $2,000 (10%) EMD Fee. Total = $3,500
Tier 4 Example:
On a $500,000 EMD, you pay a $5,000 App Fee
+ $30,000 (6%) EMD Fee. Total = $35,000
* The fees listed represent EMD Funders fees only. A separate preliminary title fee will be charged by our trusted title partner at the time escrow is opened.
INTERACTIVE ESTIMATOR
Know Your Buying Power in Seconds
Instantly see how much capital you keep working across your next deals.
1. SELECT DEAL TYPE
2. ENTER EMD AMOUNT
$100,000
3. DEAL TIER
TIER 2 · MID MARKET DEAL
100% EMD Funding
·
No Capital Required
·
Close More Deals
CAPITAL YOU KEEP WORKING
$87,500
Available for your next acquisition
Application Fee
$2,500
EMD Funding Fee
$10,000
Total Cost to Secure Deal
$12,500
* Fees reflect EMD Funders charges only. Title and escrow fees are separate charges from our partner.
* We fund earnest money deposits ranging from $5,000 to $325,000. Higher funding amounts are available on a case-by-case basis.
SAFETY & CONTROL
No Matter the Outcome, You're Protected.
Once your EMD is funded, you stay in control. Every path forward is secured.
FUNDED
DILIGENCE
POINT
MOVE FORWARD & CLOSE
The deal moves forward successfully. At closing, our title partner applies the EMD toward the purchase price and repays EMD Funders from the closing proceeds.
SAFE DEAL EXIT
If you discover a deal-breaker and decide not to proceed, the soft deposit is returned from escrow to EMD Funders. You are not liable for the deposit principal.
NEED MORE TIME?
If your deadline is approaching, submit an extension request to EMD Funders. If approved, we sign the extension so the funds stay in place and remain fully refundable.
SUPPORT
Answers Before You Apply
Understand how soft EMD funding works before you submit your deal.
100% Soft Deposits
24-Hour Funding
Licensed Escrow
Need clarity before applying? Talk with our funding team and confirm whether your deal fits before you move forward.
Live Specialist 24/7
SPEAK WITH FUNDING TEAMA soft deposit is fully refundable to the buyer during the due diligence (DD) period. Unlike a hard deposit, it gives you the full inspection window to decide whether to proceed without putting capital at risk.
EMD Funders funds 100% of the Earnest Money Deposit directly into escrow. You don't need to wire any portion of the deposit yourself. You're only responsible for the application fee, EMD fee, and any applicable title fees.
Yes, provided you exit the deal before the due diligence period expires. Since we only fund soft deposits, the full amount will be returned from escrow to EMD Funders if you withdraw within that timeframe.
It means that before your deadline, you need to either close the transaction, exit the deal and return the funds, or obtain an approved due-diligence period extension from the seller.
We aim to fund your EMD within 24 hours of your application being complete and all required documents signed.
We fund in 19 states including NY, NJ, PA, IL, FL, GA, IN, MO, MI, RI, TN, SC, LA, AL, AZ, VA, WV, MD, and KY. We evaluate other states on a case-by-case basis but do not fund in CA, HI, UT, VT, or KS.
Yes. Every deal we fund is required to close through our trusted title and escrow partner. Their policies are underwritten by leading title insurance companies, including Fidelity National Title, First American Title, Old Republic Title, and Stewart Title.
GET STARTED
Ready to Make Your Offer Real?
Complete the application below. After submission, a member of our team will reach out within one hour with full details and payment instructions for your selected tier.
Same-Day Underwriting
·
100% Funded Deposits
·
Licensed Escrow Partner