Transactional Funding
Transactional funding across all 50 states.
GIREC connects investors and wholesalers with transactional lenders offering EMD funding, due diligence and escrow funding, double close capital, and Morby Method structures across all 50 states. When your own funds are tied up, our network provides the short-term capital to lock in and close the deal.
All 50 states
wherever the deal is, the network covers it
Hours to days
capital terms built for same-day double closes
4 structures
EMD · due diligence & escrow · double close · Morby
01
EMD funding
Capital to cover earnest money deposits on tight timelines.
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02
Due diligence & escrow funding
Cover the capital needed during inspection and closing windows.
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03
Double close funding
Fund the A-to-B leg of a back-to-back closing.
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04
Transactional & Morby Method
Short-term capital for creative close-and-resell structures.
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Why Transactional Funding
The deal is ready. Your cash isn’t.
Transactional funding is short-term capital — sometimes for only hours — used to lock in and close a deal you’re immediately reselling. It’s how wholesalers run multiple deals at once without their own cash sitting in escrow, and how creative structures like Stack and the Morby Method actually get to the closing table.
01
Keep your own capital free
Run multiple deals at once without tying up your cash in deposits and escrow.
02
Built for tight timelines
EMD and double-close capital is time-sensitive by nature. Lenders in our network move in hours and days, not weeks.
03
All 50 states
Wherever the deal is, our transactional network covers it — every state, every market.
04
Lenders who know the structure
Double closes, Stack, and Morby Method require lenders who understand the mechanics. Ours do.
Transactional funding by state
EMD · due diligence & escrow · double close · Morby — pages for every state
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Frequently Asked Questions
What is transactional funding?
Short-term capital — sometimes for only hours or a single day — used to close a deal you’re immediately reselling. It’s the standard tool for wholesalers running double closes and creative structures.
What is EMD funding?
EMD (Earnest Money Deposit) funding provides the capital for the good-faith deposit required to put a property under contract, letting you secure a deal without tying up your own cash.
What is a double close?
Two back-to-back transactions: you buy from the seller (A-to-B) and resell to your end buyer (B-to-C), often the same day. Double close funding covers the first leg so both transactions close independently — and keeps your buy and sell prices private.
What is the Morby Method?
A creative financing structure that combines transactional funding with other financing to close deals with little of the investor’s own capital. It requires lenders familiar with the approach — which is exactly who we connect you with.
Is GIREC a direct lender?
No — and that's the advantage. GIREC isn't tied to one lender's underwriting box. Submit your deal once and it reaches our entire vetted network of transactional lenders, so a deal that doesn't fit one lender's criteria can still find a home with another. Final funding decisions are always made by the lender.
Deal under contract and cash tied up?
Submit the deal. We’ll match it to transactional lenders who fund EMD, escrow, and double closes in your state.