Transactional Funding in Pueblo

No. Colorado has no wholesaler-disclosure statute, and this was checked directly, not assumed. A widely repeated claim that Colorado recently passed wholesaler-disclosure legislation is false: 2025 tracker lists of new state wholesaling laws name Connecticut, Maryland, North Dakota, Oklahoma, and Tennessee, not Colorado, and a search of Colorado legislature bill titles for 2024 through 2026 found no wholesale real estate bill. What actually governs is the broker-license line. Colorado excludes from the definition of "real estate broker" a person acting as principal in acquiring or negotiating to acquire an interest in real estate, so a wholesaler who contracts as principal and assigns that contract sits inside the exclusion; marketing the property itself for a fee, rather than the contract, is a different, licensed activity. No Colorado case or state guidance construing that line was located, so treat it as the standard reading, not a guarantee, and confirm with your own counsel before you rely on it.

We fund the double close. An assignment is you selling your contract position, or your option, to the end buyer for a fee, and in Colorado that generally falls inside the same principal-acquisition exclusion noted above, with no separate state disclosure statute to follow. A double close is a different structure: two separate purchase-and-sale transactions, A to B and then B to C, used when a contract cannot be assigned or when the wholesaler would rather the end buyer not see the A-to-B price. Our transactional funding covers the first leg and is repaid out of the simultaneous resale. No Pueblo-specific double-close custom or title-company practice was confirmed in our research, so treat this as the same statewide structure that applies anywhere in Colorado, and confirm your title company's process before you go under contract.

Conveyance cost is close to nothing, and the state constitution keeps it that way. Colorado's documentary fee is one cent per one hundred dollars of consideration, so a $250,000 A-to-B leg carries a $25 documentary fee. Recording went flat statewide on July 1, 2025: $43 per recorded document regardless of page count, whether it is a one-page deed or a thirty-page deed of trust. Colorado's TABOR amendment bars any new state or local transfer tax, and no Pueblo County transfer tax applies. A double close is two separate transactions, so two owner's policies and two sets of settlement charges are in play, but the conveyance costs on top of them stay small either way.

More than it would in a state that fixes the rate. Colorado title insurance premiums are filed with the Division of Insurance by each underwriter, not promulgated at a single statewide number the way some states set them, so the premium can differ from one title company to the next. On a single closing that difference is modest. On a double close, where two owner's policies and two sets of settlement charges are in play, that same per-company variance applies twice, so it is worth comparing before you commit to a title company for the deal, alongside confirming they will actually run a same-day back-to-back closing.

Delinquency here has been running above both the state and the nation since mid-2023. As of February 2025, 1.6 percent of Pueblo metro home loans were 90 or more days delinquent, in foreclosure, or in REO, up from 1.1 percent a year earlier, and the metro has sat above both Colorado and the US on that measure since July 2023. That distress pipeline, combined with a housing stock where the average new home sold for about $160,000 more than the average existing home over the same period, is where a wholesaler's contract flow tends to come from in this metro. Underwrite each deal on its own numbers; this describes the pipeline, not any specific property.

Yes, and it is a hard ceiling with no business-purpose exception. Colorado's criminal usury statute caps a loan finance charge at 45 percent per annum, and that cap has no carve-out for business-purpose or investor loans the way some states exempt commercial lending. On a loan measured in days rather than months, points, fees, and any default interest all count toward that annual rate once annualized, so it is worth running the math on your total cost before you sign, especially if a closing slips and default pricing kicks in. No Colorado case law on how specific fee types are treated under this statute was located, so confirm structure-specific questions with your own counsel.

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.