Skip to main content
Apply nowApply now
Direct private lending in most states
Call us anytime at 512-617-9400
Program 05
Transactional Funding in Denver
Transactional funding that carries a Denver double close.
For wholesalers and assignment deals, we fund the A-to-B leg so you can close the B-to-C. Short-term transactional capital that bridges the gap and keeps your deal on schedule. A Denver double close moves through a title company's escrow, under Colorado's broker-license exclusion for a principal assigning their own contract, not a disclosure statute that does not exist. Business-purpose only, and every structure is set in underwriting.
Same-day
funding
100%
of purchase
Days
not weeks
No credit
check
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Funding is typically same-day with flat-fee pricing and no appraisal or credit check, since the loan is repaid from the simultaneous resale. Bring us the closing docs and we handle the rest.
Who it's for
Wholesalers
Assignment and double closes
Back-to-back closings
Time-sensitive resales
Typical terms
UseFunds the A-to-B leg
LeverageUp to 100% of purchase
TermDays, not weeks
PricingFlat fee
UnderwritingNo credit / appraisal
CloseSimultaneous
*Typical terms, subject to underwriting and market conditions.
Local FAQ
Transactional Funding in Denver, answered.
Do I need a broker's license to wholesale in Denver?
Not under current Colorado law, and there is no disclosure statute either. A search of the 2026 Colorado General Assembly bill list turns up no wholesaling, wholesaler-disclosure, or contract-assignment bill; the widely repeated "Colorado wholesaler disclosure statute" does not exist, in Denver or anywhere else in the state. What actually governs is the real estate broker-license exclusion, CRS 12-10-201(6)(b)(IV): a person acting as principal, contracting to acquire property and assigning that contract, is excluded from the broker-license definition. Marketing the property itself for a fee, rather than assigning your own contract, is a different activity and can cross into unlicensed brokerage. Talk to a Colorado real estate attorney about your specific contract and assignment language before you rely on this.
Does closing the A-to-B and B-to-C legs on the same day double my Colorado closing costs?
The documentary fee does, but it is a trivial number either way. Colorado's documentary fee, CRS 39-13-102, is $0.01 for every $100 of consideration, collected when a deed records; because a double close is two separate conveyances, both your A-to-B leg and your B-to-C leg each pay their own $0.01-per-$100 fee on their own price. Recording itself does not multiply the same way: Colorado moved to a flat $43 per recorded document in 2025, regardless of page count, so a long deed of trust costs the same to record as a one-page deed. Colorado also has no state or local real estate transfer tax beyond that documentary fee in the Denver metro. Two closings mean two small documentary-fee charges, not two large ones.
Does it matter which title company I use on a Denver double close?
Yes, more than it would in a promulgated-rate state. Colorado title insurance rates are filed with the Division of Insurance by each underwriter rather than set by the state, so premiums vary company to company and the filed rate manuals are public. On a transactional deal where title work has to happen twice the same day, shopping the title company before you go under contract can move the number in a way it would not in a state where every underwriter charges the same filed rate. Colorado also closes through title company escrow rather than through an attorney, so line up a title company that can run both legs on your closing day.
What does Denver's slower, high-inventory market mean for finding assignable contracts?
It is exactly the condition that produces motivated sellers and workable spreads. Denver MSA active listings sat at 12,813 in July 2026, roughly triple the July 2021 trough, and median days on market ran 51, up from 16 in July 2021. About half of active listings carried a price cut. Median list price was down 3.4% year over year and down 14.1% off the July 2023 peak. A market carrying that much aging, discounted inventory is where a seller signs a contract that is actually assignable, rather than one already bid past a workable spread. Figures are as of mid-2026; re-check current inventory before you price a specific contract.
How does Colorado's foreclosure timeline affect distressed deal flow into a Denver contract?
Colorado forecloses through a county public trustee on a fixed statutory clock, not an open-ended judicial docket. Once a lender files the Notice of Election and Demand, the sale is set 110 to 125 calendar days later; a mandatory but limited Rule 120 court check runs in parallel, and the owner can cure the default up to noon the day before sale. There is no owner redemption after the sale, only a junior lienor's redemption window, so title clears fast by national standards once the process runs its course. That known window is useful for timing an assignment against a distressed Denver property, but the typical elapsed time from actual default to the notice being filed was not sourced here. Talk to your attorney about where a specific property actually stands before you contract around it.
What if my Denver double close falls apart and I end up holding the property?
You can pivot to a rehab loan instead of losing the deal. If your B-to-C buyer walks or their financing falls through, our fix and flip loan funds up to 90% of purchase and 100% of rehab so you can renovate and resell instead of eating the carry on an assignment gone sideways. That is a separate underwriting decision from transactional funding, and either way your Denver closing still runs through a title company escrow. Talk to us before your closing date, not after, so we can have terms ready if you need the fallback.
Do I need to bring my own money to a Denver double close?
Not for the A-to-B leg. Transactional funding covers up to 100% of the purchase price on that first leg, so your own capital is not what closes it. You still cover the flat fee and the closing costs, including the documentary fee that each of the two conveyances pays on its own price. Line up a title company that can run both legs the same day. Subject to underwriting.
My credit is weak. Can I still use transactional funding in Denver?
Yes. There is no credit check on this program at all. There is no appraisal either. What we underwrite is the simultaneous close: the A-to-B leg funds because the B-to-C leg is real and scheduled. Bring the two contracts and the Denver title company, not a credit file. Subject to underwriting.
How long is the money actually out on a Denver double close?
Days, not weeks. The funds cover the A-to-B leg and come back when the B-to-C leg closes, usually the same day through the title company's escrow. Pricing is a flat fee rather than a rate over a term, which is what makes that short window work. Subject to underwriting.
More Transactional Funding questions, answered on the program page
Resources
Guides for Transactional Funding
Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide Transactional · 4 min read
What Is Transactional Funding? (Double Closings for Wholesalers)
Read the guide Fix and Flip · 5 min read
Can You Fund a Fix and Flip With No Money Down?
Read the guide Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide Compare
Transactional Funding vs. other options
More in Denver
Other programs in Denver
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
About the local figures on this page
Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.
Funding Denver deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.