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Program 05
Transactional Funding in Laredo
Same-day transactional funding for Laredo double-close wholesalers.
Transactional funding bridges the gap in a double close: we fund the A-to-B leg, up to 100% of the purchase price, so your B-to-C sale can close on schedule. Terms run days, not weeks, priced as a flat fee with no credit pull or appraisal required. Laredo wholesalers work Texas's disclosure-based assignment rules, and a funded double close keeps the transaction to two deeds instead of a visible assignment. Business-purpose funding only, subject to 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 Laredo, answered.
Do I have to disclose my equitable interest when I wholesale a property in Laredo?
Yes, in writing, to both sides of the deal. Texas Occupations Code 1101.0045 lets you acquire and assign a contract interest without a real estate license, provided you disclose the nature of your equitable interest in writing. Since SB 1577 took effect on 2024-01-01, that written disclosure runs to the seller as well as the buyer. Skipping it is not a technicality: the statute treats undisclosed assignment as engaging in real estate brokerage without a license. Take the disclosure form itself to your attorney.
Does a double close get me around that disclosure requirement?
A double close is a different transaction, not a workaround. Two separate deeds and two settlement statements, A-to-B and B-to-C, mean you're not assigning a contract, so it isn't the same 1101.0045 disclosure event. That's a structural reason wholesalers use a funded double close in Laredo's thin market, where a visible assignment fee stands out against a $107,000 to $223,000 price band across the metro's submarkets. Transactional funding is built to fund that A-to-B leg.
Does closing twice in one day cost more in title premiums here?
No, and that's true everywhere in Texas. Title insurance premiums are set by the state, not negotiated, under Insurance Code 2703.151, so the owner's policy premium is identical at every title company for a given policy amount (cut 6.2% statewide effective 2026-03-01). A double close in Laredo costs two promulgated premiums, one per deed, and the only place to negotiate is escrow and endorsement fees, never the premium itself.
Can I wholesale a lot outside Laredo city limits?
Check water and sewer before you sign anything. Webb County sits within 50 miles of the border, which makes it a Subchapter B county under Local Government Code chapter 232: a rural lot that lacks water and sewer service, or a bonded guarantee for it, generally cannot be sold at all except by a seller who lives on it. That can make a contract on an unincorporated Webb County parcel unassignable regardless of the paperwork, so confirm the plat and utility status before you tie one up.
How hard is it to support an assignment price with comps in Laredo?
Harder than in most states. Texas is a non-disclosure state, so sale prices aren't recorded on deeds or reported to the appraisal district, and Laredo's own inventory is thin: about 570 active listings metro-wide, roughly 2.0 per 1,000 residents. Thin comps plus a non-disclosure market mean your resale price needs its own support, not a quick pull of recent sales.
Does the City of Laredo or Webb County regulate wholesaling or assignment fees separately from state law?
No local rule has been located. Texas Occupations Code 1101.0045 sets the statewide disclosure standard, and we located no Webb County or City of Laredo ordinance on wholesaling, assignment fees or assignment disclosure. We were not able to read the city's own published code directly, and an ordinance we did not find is not proof that none exists, so confirm current city code before you rely on it.
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 Laredo
Other programs in Laredo
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
Funding Laredo deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.