Transactional Funding in Boulder

Not automatically, but the line worth knowing is a broker-license exclusion, not a wholesaling statute, because Colorado does not have one. No Colorado wholesaler-disclosure statute exists, confirmed again for the 2026 legislative session, so nothing forces a special filing or notice on a Boulder assignment. What actually governs is CRS 12-10-201(6)(b)(IV), which excludes a person "acting personally... on its own behalf as principal in acquiring or in negotiating to acquire any interest in real estate" from the real estate broker license requirement. A wholesaler who contracts as principal and assigns that contract sits inside that exclusion; marketing the property itself, rather than the contract, for a fee is unlicensed brokerage. No Colorado case law or Division of Real Estate guidance construes exactly where that line falls, so treat it as a starting point for your own attorney, not a settled rule.

No, and treat any claim otherwise as outdated. A widely repeated version of this fact online is simply wrong: no Colorado wholesaler-disclosure statute has been located, and the 2026 legislative session was checked again with the same result. States that did pass 2025 wholesaling disclosure laws, Connecticut, Maryland, North Dakota, Oklahoma and Tennessee, do not include Colorado. Nothing in Boulder County or City of Boulder code adds a local layer on top of that. Confirm this with your own attorney before relying on it, since legislation can move, but as of this research pass there is no statute to comply with.

Less than you would expect, because Colorado prices conveyance by the document, not by a percentage of the sale. Closing twice means paying the documentary fee and the recording charge twice, but Colorado's documentary fee runs one cent per hundred dollars of consideration and the state's recording charge went flat in 2025: $43 per recorded document regardless of page count. There is no percentage transfer tax anywhere in Boulder County. On a $700,000 Boulder County deal that works out to about $70 in documentary fee and $86 to record a deed plus a deed of trust, a small fraction of what the same double-close structure costs in a state that taxes conveyance by percentage of price. Ask us or your title company for the exact numbers on your deal.

Some will and some will not. Confirm it before you go under contract, because it is a per-company decision, not a state rule. Colorado closes through title companies with escrow, not attorneys, which is the structural piece that makes a same-day A-to-B-to-C double close possible: one escrow officer can sequence both legs. Whether a specific Boulder County title company will use your B-to-C buyer's funds to fund the A-to-B leg same-day varies by company and by underwriter, and there is no statewide wet-funding or dry-funding rule on record either way. Call the title company before you contract to confirm it handles back-to-back or assignment closings; not every one of them will.

No, and that is the diligence point a wholesaler needs to flag before the B-to-C buyer counts on day-one cash flow. A City of Boulder rental license expires the moment ownership transfers, so your buyer inherits a property, not a license. Before it can legally be rented again, the new owner needs a fresh inspection by a privately licensed inspector and, since every licensed rental unit in Boulder must meet the SmartRegs energy standard, either a filed HERS rating of 120 or less or a passing SmartRegs inspection. Telling a buyer it is rented and cash flows, on a Boulder property you are assigning or double-closing, describes a use they cannot legally continue on day one without that paperwork.

A title company running escrow, not an attorney. Colorado closes through title companies, and unlike some states, Colorado's title insurance rates are filed with the Division of Insurance by each underwriter rather than fixed by regulation, so premiums can vary company to company. That is worth a call on a double close specifically: ask whether your underwriter's filed rate manual offers a reissue or simultaneous-issue rate on the second leg. Whether Boulder County underwriters actually offer that rate on a same-day double close was not confirmed in our research, so ask the question directly rather than assuming the discount applies.

Transactional funding is short-term capital that funds the A-to-B leg of a back-to-back (double) closing, so you can resell to your end buyer (B-to-C) the same day. It is built for wholesalers and assignment deals where you need to take title briefly without using your own cash.

It is priced as a flat fee rather than an interest rate, since the money is only out for a day or two. Market pricing generally runs about 1% to 3% of the amount funded, with a dollar minimum on small deals. You also cover the normal double-close costs such as title, escrow, and recording.

We can fund up to 100% of your purchase price on the A-to-B closing, so you bring no money to the table. The loan is repaid directly from the proceeds of your simultaneous B-to-C sale.

No. Transactional funding requires no credit check and no appraisal. Approval rests on a verified, ready-to-close end buyer rather than your personal finances, which is why it can fund same-day.

Your executed A-to-B and B-to-C contracts, proof of the end buyer's funds, and a title or escrow company that allows back-to-back closings. With those in hand we can fund the same day.

Very short, usually a matter of days. It is designed to be repaid out of the same-day or next-day resale, not held like a normal loan.