Double Close Funding in Florida | Swift Deal Funding
Double Close Funding in Florida
Double close funding lets a Florida wholesaler buy from the seller (A-to-B) and resell to an end buyer (B-to-C) the same day on our capital, so you keep your own cash free. Both legs run through one Florida title company, and our funds are repaid from the end buyer’s proceeds the same day.
Florida is the heavyweight of American wholesaling. Miami, Tampa, Orlando and Jacksonville are perennially among the most active wholesale and fix-and-flip markets nationally, drawing both local operators and a constant stream of out-of-state and international buyers. With a statewide median around $404,000–$420,000 — and prices cooling enough lately to widen spreads for sharp wholesalers — double closes here typically fund $200,000 to $800,000. We hold capacity beyond $100,000,000 per transaction for large condo, multifamily and commercial B-C closings.
How Double Close Funding closes in Florida
Florida is a wet-funding state and a title-company closing state, which makes it close to ideal for same-day double closes. Wet funding means our money disburses at the closing table once documents are signed, not after recording — so the A-B and B-C legs run back-to-back the same day with no recording delay between them.
A licensed Florida title company or title agent coordinates both transactions, and because the state sees such high investor volume, finding a title shop in Miami, Tampa or Orlando that handles simultaneous closings as routine work is easy. Wholesaling is permitted statewide as long as you disclose your equitable interest; Florida has no wholesaler-licensing statute. Confirm same-day disbursement and your simultaneous-closing structure with your title company and a Florida real estate attorney before scheduling.
Pricing
Tiered flat fee on the funded amount, collected only at closing:
| Funded Amount | Fee |
|---|---|
| Up to $1,000,000 | 1.25% |
| $1M – $10M | 1.0% |
| $10M+ | Custom |
No upfront or application fees. 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 financing pre-approval
- Same-day closing scheduled for both legs
- A single Florida title company handling both transactions
No credit, income, or tax-return checks. Florida note: the investor-focused title companies in Miami, Tampa and Orlando expect simultaneous closings, so coordination is usually fast.
A typical Florida double close scenario
A Tampa wholesaler controls a 3/2 in Brandon at $290,000 (A-to-B) with an assigned out-of-state investor at $335,000 (B-to-C). Both legs close the same morning at an investor-friendly Tampa title company. We wire $290,000 to title by 9 AM Eastern; the A-B leg signs, the B-C leg follows, and the $335,000 in buyer proceeds repays our funding at the table. At the up-to-$1M tier the fee is 1.25% of $290,000 — $3,625 — leaving the wholesaler a strong spread with no transactional cash out of pocket.
Apply
Submit both contracts and your end-buyer verification online. Standard turnaround is ~48 hours; same-day wires are possible for complete files received before 11 AM Eastern.
Frequently Asked Questions
How does a same-day double close work at a Florida title company? +
Florida is a wet-funding, title-company closing state — one of the best setups in the country for same-day double closes. A licensed Florida title company or title agent runs both legs, and because funds disburse at the table once documents are signed, the A-B and B-C closings can run back-to-back the same day. We wire to the title company by 9 AM Eastern. With Florida's enormous wholesale volume, most title shops in Miami, Tampa and Orlando handle simultaneous closings routinely.
Which Florida metros do you fund double closes in? +
All of them — Florida is among the most active wholesale and fix-and-flip markets in the country. We fund double closes heavily in Miami, Tampa, Orlando and Jacksonville, plus Fort Lauderdale, Cape Coral and the Space Coast. With a statewide median around $404,000 to $420,000, double closes here typically fund $200,000 to $800,000, and we carry capacity past $100,000,000 for large condo and commercial B-C deals.
How fast can you fund a Florida double close? +
About 48 hours from a complete file to wire-ready, and same-day for files submitted before 11 AM Eastern with both contracts, verified end buyer, proof of funds and the title commitment. Florida's wet-funding rules and deep bench of investor-friendly title companies make true same-day, same-table double closes very achievable across the major metros.
Apply for Double Close Funding in Florida
Submit your application online — same-day decisions for complete files before 2 PM Eastern.