Double Close Funding in Denver, CO | Swift Deal Funding
Double Close Funding in Denver, CO
Denver is a major Mountain West wholesale market, and a double close is how you protect your spread without exposing it on a settlement statement. Swift Deal Funding is a direct lender: we wire the cash for your A-to-B purchase so you buy from the seller and immediately resell to your end buyer, both legs closing the same day through one Denver title company.
Here’s what sets Denver apart from its Pacific Northwest neighbors: Colorado is a wet-funding title-company state. While Seattle, Tacoma, Spokane, and Portland all sit in dry-funding states where escrow can’t disburse until the deed records with the county, Denver title companies fund at the table — money moves the same day, no record-first waiting period. With a median around $630,000 and a cooling Front Range market, demand stays steady on value-add homes in Montbello, Globeville, Elyria-Swansea, and Westwood. Most Denver double closes fund under $1,000,000 and sit in our 1.25% tier. Funded amounts here commonly run $400,000 to $800,000, though we can fund up to $100,000,000+ on a single transaction. We never pull credit, verify income, or ask for tax returns.
How Double Close Funding closes in Denver
Colorado closes through title companies and is a wet-funding state, so funds disburse at the table — not after recording. That’s the direct contrast with dry-funding Washington and Oregon, and it streamlines a same-day double close:
- You line up one investor-friendly Denver title company to run both the A-to-B and B-to-C legs.
- We wire our A-to-B funds to that title office ahead of closing, so cash is in position.
- The A-to-B leg funds at the table; the seller is paid and the deed moves to you.
- The B-to-C leg closes minutes later; your end buyer funds, you take your spread, and we’re repaid from those proceeds before the file wraps.
Because Colorado funds at the table rather than waiting on a county recording cutoff, the same-day sequence is simpler than in the dry-funding Northwest — but you should still confirm same-day disbursement and second-leg timing with your title company before you set the date.
Pricing
Tiered flat fee, collected on the settlement statement only when the deal closes:
| Funded Amount | Fee Rate | Example |
|---|---|---|
| Up to $1,000,000 | 1.25% | $630K deal = $7,875 |
| $1M – $10M | 1.0% | $2M deal = $20,000 |
| $10M+ | Custom | Contact us |
No upfront fees, no application cost. You pay only if the transaction funds and closes.
What you’ll need
- Fully executed A-to-B purchase contract
- Fully executed B-to-C contract or assignment to your end buyer
- Verified end buyer with proof of funds or a financing pre-approval
- Same-day closing scheduled on both legs
- A single Denver-area title company handling both transactions
No credit check, no income docs, no tax returns. A local note: unlike the dry-funding Northwest, Colorado funds at the table, so you’re not building the schedule around a county recording cutoff — but a cash or pre-approved end buyer still keeps the same-day timeline clean.
A typical Denver double close scenario
A wholesaler ties up a brick ranch in Westwood at $475,000 and has a buy-and-hold end buyer at $545,000. Rather than assign and show the $70,000 spread, the wholesaler books a double close at a Denver title company that runs investor deals. We wire $475,000 ahead of closing. The A-to-B leg funds at the table, the seller is paid, and minutes later the B-to-C closes with the end buyer’s $545,000. We’re repaid $475,000 plus the 1.25% fee ($5,937) from proceeds. The wholesaler nets roughly $64,063 and the seller never sees the markup.
Apply
Upload both contracts and your end buyer’s proof of funds through our online form. Standard turnaround is about 48 hours to wire-ready; same-day funding is available for complete files submitted before 11 AM Eastern.
Frequently Asked Questions
How does Colorado wet-funding change a Denver double close versus its dry-funding neighbors? +
It speeds up the table. Colorado is a wet-funding title-company state, so funds disburse at closing rather than only after recording — the opposite of dry-funding Washington and Oregon, where escrow must record with the county before paying out. In Denver, your title company can fund the A-to-B and B-to-C at the table the same day, without waiting on a recording cutoff. We wire our A-to-B funds in ahead of closing, both legs close, and we're repaid from B-to-C proceeds. Confirm same-day sequencing with your title company.
Does Denver hail damage affect double close funding? +
Our funding doesn't hinge on it, but your end buyer's lender or insurer will care, so flag roof condition early. The Front Range gets hammered by hail, and a damaged or recently replaced roof in Montbello or Globeville can affect an end buyer's financing or insurance binding. We underwrite on your two contracts and a verified end buyer's proof of funds — not the roof — but a cash or pre-approved buyer keeps the same-day close on schedule. Confirm hail and roof disclosures, and any insurance conditions, with your title company.
Why double close instead of assign on a Denver wholesale deal? +
To keep your spread off the seller's settlement statement. Denver's value-add deals in Westwood, Elyria-Swansea, and Montbello still carry meaningful margins even as the Front Range market cools, and an assignment shows your fee on the closing docs. A double close runs the A-to-B and B-to-C as separate transactions through one Denver title company — the seller never sees your number. Colorado's wet-funding means both legs can fund at the table the same day. Confirm equitable-interest disclosure language with a Colorado attorney.
Apply for Double Close Funding in Denver, CO
Submit your application online — same-day decisions for complete files before 2 PM Eastern.