Double Close Funding in Charlotte, NC | Swift Deal Funding
Double Close Funding in Charlotte, NC
Double close funding lets a Charlotte wholesaler buy from the seller (A→B) and resell to the end buyer (B→C) on the same day through one closing, without using your own capital for the A-B leg. We fund the purchase; our money is repaid from the end-buyer’s proceeds when B-C closes hours later.
Charlotte is the Southeast’s banking capital — Bank of America and Truist are headquartered here — and the relocation wave that follows those jobs keeps inventory tight and prices climbing toward a ~$430K median. The most active wholesale flow runs through west-side and inner-ring corridors: NoDa, Plaza Midwood, and the gentrifying neighborhoods west of Uptown, where older homes trade hands fast. Typical Charlotte double closes we fund land in the $200,000–$800,000 range, with capacity up to $100M+ per transaction.
How Double Close closes in Charlotte (NC attorney-must-close)
North Carolina is a wet-funding, attorney-closing state: a licensed NC attorney must supervise the closing and disburse funds, and money has to be in the trust account before the deed records. For a double close that actually helps — both the A-B and B-C legs run through the same Charlotte-area closing attorney on the same day. We wire to that attorney’s trust account by 9 AM Eastern; A-B records first, B-C follows, and our funds are repaid from the end-buyer’s proceeds, all within the same business day. Confirm same-day disbursement and dry/wet handling with your specific firm.
Pricing
Tiered flat fee, collected on the closing statement — no upfront or application cost:
| Funded Amount | Fee Rate | Example |
|---|---|---|
| Up to $1,000,000 | 1.25% | $400K deal = $5,000 |
| $1M – $10M | 1.0% | $2.5M deal = $25,000 |
| $10M+ | Custom | Contact for structure |
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 letter
- Same-day closing scheduled for both legs
- A single licensed NC closing attorney handling both transactions (required in North Carolina)
We’re a direct lender: no credit check, no income verification, no tax returns. The deal documents underwrite the funding.
A typical Charlotte double close scenario
You tie up a 1950s ranch in west-side Enderly Park at $250,000 and line up a fix-and-flip buyer at $310,000. The B-C buyer is ready, but you’d rather not float a quarter-million of your own cash. We fund the $250,000 A-B purchase into your NC attorney’s trust account. A-B records that morning; B-C records right after at $310,000. Our $250,000 is repaid from the end-buyer’s wire, our fee at the ≤$1M tier is $3,125 (1.25%), and you keep the ~$60,000 spread less closing costs — without your capital ever leaving the bank.
Apply
Submit both contracts and your end-buyer verification online. Standard turnaround is ~48 hours to wire-ready; same-day is possible for complete files in before 11 AM Eastern.
Frequently Asked Questions
Who actually closes my Charlotte double close — a title company or an attorney? +
In North Carolina, a licensed NC attorney must supervise the closing, so your A-B and B-C legs both run through one Charlotte (or nearby Mecklenburg County) closing attorney rather than a standalone title company. That single-attorney requirement is convenient for double closes because it keeps both legs in one office on the same day. We wire to that attorney's trust account; always confirm the specific firm's same-day disbursement policy locally.
Can you fund a same-day double close in Charlotte's fast-moving market? +
Yes. Charlotte's pace — driven by relocations and tight inventory — means buyers move quickly, so we wire to the NC closing attorney's trust account by 9 AM Eastern on closing day. Standard turnaround is about 48 hours from a complete file; same-day is possible when your A-B contract, B-C assignment, end-buyer proof of funds, and the attorney's commitment are in before 11 AM Eastern.
Is a wholesaler license required to double close in Charlotte? +
North Carolina does not require a separate wholesaler license to assign or double close a contract. The transaction does, however, have to be handled by a licensed NC closing attorney. We underwrite the deal documents — both contracts and verified end buyer — not your license status, and we never check credit, income, or tax returns on Charlotte deals.
Apply for Double Close Funding in Charlotte, NC
Submit your application online — same-day decisions for complete files before 2 PM Eastern.