Double Close Funding in Arizona | Swift Deal Funding
Double Close Funding in Arizona
Double close funding lets an Arizona wholesaler close the A-to-B purchase from the seller and the B-to-C resale to the end buyer the same day, using our capital for the middle leg so your own cash is never at risk. We fund the buy, the end buyer’s proceeds repay us, you keep the spread. Arizona deal sizes run larger than most states — double closes here typically fund $200,000 to $800,000 — with capacity past $100 million per transaction.
Arizona is one of the most active fix-and-flip and wholesale markets in the country. Phoenix anchors a deep, fast-moving investor community, with strong secondary activity in Tucson and Mesa across a state of about 7.4 million residents. Inventory turns quickly and competition with cash buyers is fierce, which is exactly why double close funding — letting you close without exposing your own capital — fits the Arizona pace.
Swift Deal Funding is a direct lender, not a broker — no credit check, no income docs, no tax returns. Your executed contracts and a verified end buyer underwrite the deal.
How Double Close Funding closes in Arizona
Two Arizona facts drive the choreography. The first is the escrow agent. Arizona doesn’t put attorneys at the closing table; it puts licensed escrow agents, regulated by the state, working inside title/escrow companies. For a clean A-B-C you want one agent holding both files so a single set of hands sequences the disbursements and the recordings.
The second is the order of operations: Arizona records before it disburses. The recorder has to post the A-B deed, then the B-C deed, before any money leaves the escrow account — so the whole same-day close lives or dies on the recorder posting that day, after which the agent releases funds and the B-C proceeds repay us. Maricopa County’s e-recording keeps that turnaround tight, but it’s still the cutoff that governs the day. We have the wire in the account by 9 AM Eastern; you and your escrow agent should confirm both deeds can record the same day before locking the date. Assignments are legal in Arizona with disclosure of your equitable interest — verify the recording timing with your escrow agent.
Pricing
Tiered flat fee on the funded amount, collected through the closing statement — no upfront or application fees:
| Funded Amount | Fee Rate | Example |
|---|---|---|
| Up to $1,000,000 | 1.25% | $400K = $5,000 |
| $1M – $10M | 1.0% | $2.5M = $25,000 |
| $10M+ | Custom | Contact us |
You pay only if the deal funds and closes.
What you’ll need
- Fully executed A-to-B purchase contract
- Fully executed B-to-C assignment or purchase contract
- Verified end buyer with proof of funds or a financing pre-approval
- Same-day closing scheduled with same-day recording confirmed (essential under Arizona’s record-first rule)
- A single Arizona escrow agent handling both transactions
No credit check, no income verification, no tax returns.
A typical Arizona double close scenario
A wholesaler ties up a 1970s ranch in Phoenix’s Maryvale district at $310,000 (A-B) and resells it to a flip team at $355,000 (B-C). One Phoenix escrow agent holds both files and the end buyer’s proof of funds checks out. We have $310,000 in the account by 9 AM. Documents sign, the Maricopa County recorder posts both deeds that day, the agent releases funds, and the $355,000 repays us. The $45,000 spread less the 1.25% fee ($3,875) goes to the wholesaler — same business day, once recording confirms.
Apply
Submit both contracts and your end-buyer verification online; we coordinate with your Arizona escrow agent on the record-first sequence. ~48 hours to wire-ready.
Frequently Asked Questions
How does Arizona's record-first rule affect a same-day double close? +
Arizona records the deed before it releases any money, so both the A-B and B-C legs wait on the county recorder posting that day. The escrow agent holds our wire until recording confirms, then disburses. In Maricopa County the e-recording turnaround is quick, but the same-day close still runs on the recorder's clock, not the signing table. Get your escrow agent to confirm both deeds can record the same day before you set the date.
Who runs an Arizona double close — a closing attorney or an escrow agent? +
A licensed escrow agent, not an attorney. Arizona closings go through escrow agents inside title/escrow companies, regulated by the state. For a double close you want one agent holding both the A-B and B-C files so the disbursements and recordings stay in a single, controlled sequence. That's standard practice in Phoenix and Tucson and beats splitting the two legs across separate escrow teams.
What funded amounts are typical for Arizona double closes? +
Arizona is one of the most active fix-and-flip markets in the country, and deal sizes are larger than many states — double closes here typically fund $200,000 to $800,000, though capacity runs past $100 million. The flat fee is 1.25% up to $1M and 1.0% from $1M to $10M, collected on the closing statement. A $400,000 Mesa double close funds at a $5,000 fee, paid only if it closes.
Apply for Double Close Funding in Arizona
Submit your application online — same-day decisions for complete files before 2 PM Eastern.