Double Close Funding in Madison, WI | Swift Deal Funding
Double Close Funding in Madison, WI
Madison is one of the steadiest markets in the Midwest, and a double close is how you protect a healthy 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 at one Madison title company.
The University of Wisconsin and state-capital employment keep demand resilient and prices firm, with a median sale price around $400,000. Wholesale inventory tends toward older near-east homes in Tenney-Lapham and the Schenk-Atwood corridor, plus value-add properties around the isthmus and student-rental zones. Funded amounts here commonly run $250,000 to $550,000, 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 Madison
Wisconsin closes through title companies, and it’s a wet-funding state — money must be in escrow before the title company disburses. That sequencing is built for a same-day double close:
- You line up one investor-friendly Madison title company to run both the A-to-B and B-to-C legs.
- We wire our funds to that office by 9 AM the morning of closing, so cash is in escrow before anyone signs.
- The A-to-B leg funds with our money; 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 disburses.
The key Wisconsin wrinkle is marital property: a married seller’s spouse typically must sign the deed and financing documents, even when only one spouse holds title. A missed spousal signature stalls the A-to-B leg. Confirm both spouses will sign — plus same-day disbursement and second-leg sequencing — 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% | $400K deal = $5,000 |
| $1M – $10M | 1.0% | $2.5M deal = $25,000 |
| $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 (WB-11 offer form is standard in Wisconsin)
- 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 Madison-area title company handling both transactions
No credit check, no income docs, no tax returns. A local note: if your seller is married, confirm the spouse will sign the deed before closing day.
A typical Madison double close scenario
A wholesaler ties up an older Tenney-Lapham home at $355,000 and lines up a fix-and-hold end buyer at $415,000. Rather than assign and show the $60,000 spread, the wholesaler books a double close at a Madison title office that runs investor deals. The seller is married, so the title company confirms both spouses will sign the deed up front. We wire $355,000 by 9 AM. The A-to-B leg funds, the seller is paid, and minutes later the B-to-C closes with the buyer’s $415,000. We’re repaid $355,000 plus the 1.25% fee ($4,437) from proceeds. The wholesaler nets roughly $55,563 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
Do Madison title companies handle same-day double closes? +
Yes. Wisconsin closes through title companies, and Madison's investor-focused offices run back-to-back A-to-B and B-to-C closings. Use one title company for both legs — splitting them across two offices breaks the same-day sequencing. When you apply, give us that title contact and we coordinate the 9 AM wire and second-leg disbursement. Wisconsin is a marital-property state, so confirm the office has any required spousal signatures lined up before the date so the A-B leg doesn't stall.
How does Wisconsin marital property affect a Madison double close? +
It matters most on the A-to-B leg. Wisconsin is a marital-property state, so a married seller's spouse typically must sign the deed and any financing documents, even if only one spouse is on title. A missed spousal signature stalls the A-to-B leg and can derail the same-day sequence. We underwrite on your two contracts and the end buyer's proof of funds, but ask your Madison title company to confirm both spouses will sign before you set the closing date.
Why double close instead of assign on a Madison deal? +
To keep your spread off the seller's settlement statement. Madison is a stable, higher-priced market (median ~$400K) anchored by the university and state government, and double closing keeps a strong markup private — the A-to-B and B-to-C run as separate transactions at one title company. We wire the A-to-B funds, you resell minutes later, and we're repaid from B-to-C proceeds. Wisconsin requires no wholesaler license, but confirm disclosure language with a Wisconsin attorney.
Apply for Double Close Funding in Madison, WI
Submit your application online — same-day decisions for complete files before 2 PM Eastern.