90 day Transactional Funding might be important to you if you are a wholesaler or someone trying to sell your Houston home. In today’s fast-paced real estate market, the ability to complete transactions quickly can be a game-changer for investors looking to sell their house fast who don’t have enough of their own money. Transactional lenders with 90 day Transactional Funding offer a unique financing solution. Transactional funders help facilitate swift property transactions without the traditional delays. Using transactional funds not only speeds up the buying and selling process but also opens up opportunities for real estate investors, changing how to close deals in the industry. To find the right transactional funding lender to close more real estate deals, keep reading all about using transaction funding to fund wholesale deals.

90 Day Transactional Funding: A Complete How-to Guide

This how-to guide aims to demystify 90 day transactional funding, exploring its myriad benefits, as well as considering the potential drawbacks. Readers will gain insight into the ideal scenarios for employing this funding strategy, ensuring that they have all the necessary information to make informed decisions. Whether you’re a seasoned investor or new to the real estate game, understanding how to leverage 90 day transactional funding can significantly impact your ability to capitalize on opportunities and execute transactions efficiently.

Understanding 90-Day Transactional Funding

Transactional funding, especially in the realm of real estate, has emerged as a sought-after type of financing method for investors keen on swift property flips or double closings. This particular financing model, known as 90-day transactional funding, is distinguished by its specific duration and conditions, offering a unique blend of advantages and challenges that investors must weigh.

What is 90-Day Transactional Funding?

90-day transactional funding is a short-term financial tool designed to expedite real estate transactions. It allows investors to quickly purchase and then sell properties without utilizing their own capital. This funding model is particularly beneficial because it does not require the borrower to meet stringent credit or income criteria. The primary focus is on the property’s value and the deal’s feasibility, making it accessible to a wider range of investors. Additionally, the costs associated with this type of funding are typically lower upfront, compared to traditional financing options, thus providing investors with the opportunity to preserve their capital for other ventures. In erested in contacting financial institutions about helping with your next real estate purchase? Keep reading to find out what might be the best way for you to take off in real estate business.

How Does 90-Day Transactional Funding Work?

Transactional Funding is meant to hold over wholesalers or real estate investors in the short term. A traditional lender helps with your initial purchase but does not see the shirt term goal of the real estate deal. 90 day Transactional Funding can be ideal for short sale transactions on your wholesale real estate deal. Here is a little more about the process and how 90 day Transactional Funding actually works.

Here are 4 steps to consider with transactional funding.

  1. Facilitating Quick Deals: The essence of 90-day transactional funding is its capacity to enable swift real estate transactions. This is achieved by providing short-term financing that allows for the quick acquisition and sale of properties.
  2. Flexible and Tailored Terms: The terms of transactional funding agreements can be customized to fit the specific needs of a transaction. This adaptability lets investors negotiate terms that align with their goals and timelines, facilitating efficient and profitable deals.
  3. Risk Mitigation: By offering short-term financing for simultaneous transactions, 90-day transactional funding helps reduce various risks associated with real estate investing. It enables new or experienced investors to secure properties without committing to long-term debt obligations, thus lessening exposure to market volatility and unexpected challenges.
  4. Considerations for Investors: While the flexibility and convenience of transactional funding are appealing, it’s important to note that it usually comes with higher fees than traditional financing options. Moreover, the fixed time frame of up to 90 days can pressure investors to complete their business transactions swiftly. This might lead to hurried decisions or missed opportunities or a less ideal selling price. The use of transactional funding can offer less risk to real estate professionals, but can also be more stressful.

90-day transactional funding stands out as an innovative financial strategy that supports real estate investors time period in executing quick property flips or double closings. By understanding how this funding works, investors can leverage its benefits while navigating its potential drawbacks to make informed decisions that align with their investment strategies.

Benefits of 90-Day Transactional Funding

There are a lot of benefits to using transactional funding programs in the real estate industry. If you are a wholesaler trying to sell a  house fast, here are more benefits from considering 90 day transactional funding.

Quick Access to Capital

One standout advantage of 90-day transactional funding is how quickly investors can access the funds they need. This type of funding is crafted for efficiency, allowing real estate wholesalers to secure the necessary capital in a day or two. This rapid turnaround is crucial for investors looking to capitalize on short-lived opportunities in the market, making it a game-changer for those needing to act fast.

No Credit or Income Verification

Another significant benefit is the absence of traditional financial checks. Investors don’t need to worry about their credit scores or proving their income. The primary concern for lenders is the value of the property and the soundness of the deal. This opens doors for a broader range of investors, especially those who might not qualify for conventional loans due to stringent financial requirements.

Facilitates Quick Deals

Transactional funding shines in its ability to facilitate quick deals. By providing short-term loans, investors can swiftly acquire and sell properties without dipping into their own pockets. This agility is particularly beneficial for those looking to flip properties or engage in double escrows. They focus on the deal’s merit rather than the investor’s financial standing. This ensures that more people can participate in real estate investment opportunities, potentially leading to profitable flips with minimal personal financial risk.

In essence, 90-day transactional funding offers a blend of speed. It offers accessibility, and efficiency that traditional financing methods can’t match. Transactional funding removes common financial barriers. And it empowers investors to move quickly in a competitive market, making it an invaluable tool for those looking to sell their house fast or capitalize on fleeting market opportunities.

Potential Drawbacks

Higher Costs Compared to Traditional Financing

Investors find the lure of 90-day transactional funding in its promise for quick capital. However, this benefit comes with a price. Typically, the fees for transactional funding are higher than those for traditional financing options. Lenders might charge upfront fees ranging from 0.5% to 2% for processing the loan. Additionally, a percentage of the loan, usually between 1% and 12%, is taken as profit by lenders depending on the terms and length of the loan. These costs, along with closing costs for double-closing deals and possible renovation expenses, can significantly eat into the investor’s profits. If an investor faces delays, extra interest costs or penalties for lateness might apply, further increasing the financial burden.

Dependency on Market Conditions

The success of using 90-day transactional funding is closely tied to the real estate market’s performance. Market fluctuations or unexpected economic shifts can greatly affect the feasibility and profitability of deals. This reliance on market conditions introduces a level of risk for investors, especially those who depend heavily on this short-term financing method. If the market takes a downturn, investors might find themselves in challenging positions, struggling to complete transactions profitably.

Time Constraints

The essence of 90-day transactional funding is in its name – it offers a fixed time frame of up to 90 days. This limited period can put significant pressure on investors to finalize their transactions swiftly. The necessity to act quickly might lead to rushed decisions or missed opportunities, potentially compromising the quality of deals. In scenarios where delays are unavoidable, such as issues with financing approval for the buyer or slow contract underwriting, the investor might face additional challenges, including the risk of not meeting the deadline and incurring extra costs due to the loan rolling into an extended term with higher interest rates.

Ideal Scenarios for Using 90-Day Transactional Funding

Transactional funding, particularly the 90-day variant, shines in specific real estate scenarios. Here, we delve into three ideal situations where this funding approach can be a game-changer for investors.

Double Closings

A double closing involves buying a home from the seller and then quickly selling it to the end buyer. This process can be swift, sometimes happening on the same day. However, it requires the wholesaler to have immediate funds to purchase the home from the seller. Here, 90-day transactional funding steps in to provide the necessary capital, enabling the wholesaler to bridge the gap between buying and selling without financial strain.

Fix and Flips

90-day transactional funding may not suit long-term renovation projects due to its short repayment period. But it can be invaluable for properties needing minor, quick cosmetic upgrades. Maybe a property only requires a fresh coat of paint or a cleaning to make it market-ready. And there’s already an interested buyer. This funding can facilitate a rapid flip. It’s a strategic option for investors who have identified a quick-turnaround project and need to act fast to capitalize on the opportunity.

Wholesaling Real Estate

Wholesalers often find themselves in a position where they connect a motivated seller with an end buyer. Typically another investor looking to flip the property. The challenge arises when the wholesaler needs to close the deal with the seller before finalizing the sale to the buyer. With 90-day transactional funding, wholesalers can cover the purchase and closing costs without dipping into their own pockets. This setup is perfect for those aiming to do a double closing but wish to avoid using personal funds. At Senna House Buyers, we specialize in the Houston market. We can give you tips on how to sell your house fast, or better yet we can take it off your hands quickly for you. Senna House Buyers is a valuable resources to wholesalers in the Houston area. Contact us today to see how we can help.


90-day transactional funding offers the financial leverage real estate investors need to close deals fast. Whether it’s wholesaling, conducting double closings, or undertaking quick fix and flips, this funding model provides a viable solution to common financial hurdles. It an essential tool in the investor’s arsenal.


We’ve unveiled the ins and outs of a financial tool that’s both powerful and adaptable. It can cater to the diverse needs of real estate investors. Transactional funding is great at facilitating quick transactions. It also offers a lifeline for those unable to meet traditional lenders’ criteria. This approach underscores the fast-paced nature of the market. It especially shines in scenarios like wholesaling, double closings, and certain fix and flip projects, where efficiency is important. Yet, it’s crucial for investors to navigate its waters carefully. Consider the higher costs and the ticking clock of a 90-day term.


The broader implications of adopting 90-day transactional funding are profound, redefining what’s possible in real estate transactions. As we’ve seen, it empowers investors to leverage market opportunities with agility, driving forward deals that might otherwise stall. Investors are better positioned to make strategic choices. 90-day transactional funding can fuel their projects while staying vigilant about the risks.


1. What is the process for earning profits through transactional funding?
To profit from transactional funding, an investor initially uses the funds to buy an asset, which they quickly sell to a ready end buyer at a higher price. The funds received from the end buyer are then used to repay the transactional funding loan.

2. Can you explain how transactional funding operates?
Transactional funding, also known as same-day funding or flash funding, involves investors taking very short-term loans to purchase assets. These loans are repaid significantly faster than typical loans, often within the same day or week.

3. What potential risks are associated with transactional funding?
The main risk for a transactional funder arises if the end buyer fails to close the deal after the original seller has been paid. In such cases, the funder might need to initiate foreclosure proceedings to recover the funds.

4. What are the typical interest rates for transactional funding loans?
Interest rates for transactional funding can vary. Typically, lenders expect repayment within 1 to 3 days, and sometimes up to a week. Rates might be around 2% plus an annualized interest of 12%. Some lenders may offer longer terms up to 360 days under different conditions.