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Program 05
Transactional Funding in Kansas City
Transactional funding for Kansas City double closings and assignments.
For wholesalers and assignment deals in Kansas City, we fund the A-to-B leg so you can close the B-to-C the same day, up to 100% of the purchase price for a flat fee, with no credit check or appraisal since the loan is repaid at the simultaneous resale. Missouri's new wholesaler disclosure law, RSMo 407.3600, took effect August 28, 2026, and it requires a signed, boldface disclosure at least fourteen calendar days before you sign a purchase contract on one-to-four unit residential property. Jackson County closings run through title and escrow companies, and Missouri's certified-funds rule means both legs need to be wired, not paid by check. 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 Kansas City, answered.
Do I have to disclose anything to the seller before I sign a Kansas City wholesale contract?
Yes, as of August 28, 2026. Missouri's RSMo 407.3600 (SB 973) requires a separate written disclosure, in boldface type of at least 12 point, signed and dated by both the record owner and the wholesaler, delivered at least fourteen calendar days before the purchase contract is signed, on one-to-four unit residential property. The disclosure has to state that you are a wholesaler under Missouri law, that the owner should get legal advice, that you do not represent the owner, that the contract can be assigned to a third party without the owner's consent, and that the price may be below market value. Before this date Missouri had no wholesaler statute at all; a Kansas City investor working off an older playbook needs to rebuild the timeline around the fourteen-day clock now.
What happens if I skip the Missouri wholesaler disclosure?
The owner can walk away for free, and the state can come after you. Without the disclosure, RSMo 407.3600 lets the record owner cancel the contract at any time before close of escrow with no penalty, and any earnest money has to be returned within thirty days. A violation is also an unlawful practice under Missouri's Merchandising Practices Act, which the Attorney General can enforce. There is no license and no fee cap under this statute, but skipping the paperwork puts your entire assignment at risk of unwinding after you've already lined up the B-to-C buyer.
Is a same-day double close still workable in Kansas City under the new law?
The plain text of the statute reaches assignments made "without holding title," and a double close where you take title arguably sits outside that definition. RSMo 407.3600 does not on its face require the fourteen-day disclosure for a structure where the wholesaler closes the A-to-B leg and then closes B-to-C as the actual buyer of record. That reading is only days old, though: no Missouri Attorney General guidance, Real Estate Commission advisory, or case law has construed it yet. Confirm this reading with a Missouri attorney before you build a closing calendar around it rather than the assignment path.
How do Kansas City closings actually work for a back-to-back A-to-B, B-to-C deal?
Through a title or escrow company, not a closing attorney. Missouri closings run through title and escrow companies rather than closing attorneys, and Jackson County practice runs both legs that way. Missouri is also a good-funds state: RSMo 381.412.1 requires certified funds for any amount over $2,500 from a buyer, seller, or non-institutional lender, and a title insurer cannot disburse against a deposit unless it was certified funds, an exempt instrument, or made at least ten days earlier. Nothing in that statute bars a same-day A-to-B, B-to-C close; it governs the form of the funds, not the timing. Wire both legs, and confirm with your title company how they sequence the two closings, since willingness is underwriter policy rather than something the statute dictates.
Do I pay Missouri transfer tax twice on a Jackson County double close?
No. Missouri has no real estate transfer tax at all, on either leg. A 2010 amendment to the Missouri Constitution, article X section 25, bars the state and every political subdivision from ever imposing one. Recording is a flat statutory base of $5 for the first page and $3 for each page after under RSMo 59.310, though Jackson County adds its own surcharges on top and we could not confirm the county's current all-in total, so do not budget from the $5 figure alone. Either way, a Jackson County double close carries no transfer-tax line on either deed, which is not true across the state line in Kansas.
Do you check my credit for Kansas City transactional funding?
No credit check and no appraisal. We underwrite the two contracts and the scheduled closing, not you, so we fund up to 100% of the A-to-B purchase for a flat fee, in days rather than weeks, and the loan is repaid at the simultaneous B-to-C resale. What we need is a real, dated B-to-C closing and a Jackson County closer who has already confirmed how the two legs will fund and, if your structure is an assignment rather than a double close, that your RSMo 407.3600 disclosure is signed and dated with fourteen days of runway before the A-to-B contract. Subject to underwriting.
FAQ
Transactional Funding questions, answered.
What is transactional funding, and when do I use it?
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.
How much does transactional funding cost?
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.
How much of the purchase will you fund?
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.
Do you check credit or require an appraisal?
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.
What do you need to fund the deal?
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.
How long is the loan?
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.
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 Kansas City
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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.
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