Double Close Funding in Missouri | Swift Deal Funding
Double close funding in Missouri
Double close funding gives a Missouri wholesaler the capital to buy from the seller (A→B) and resell to the end buyer (B→C) the same day, using our money for the middle leg. We wire the purchase funds, both deeds record, and we’re repaid from the end buyer’s proceeds — usually all within the same business day.
Missouri is a fast-moving market for a specific reason: it’s a non-judicial foreclosure state, where defaults proceed to trustee’s sale quickly rather than grinding through court. That produces a reliable flow of distressed and pre-foreclosure inventory, especially around Kansas City and St. Louis — two deep wholesale markets with active local investors and heavy out-of-state buyer interest. Springfield, Columbia and Independence add steady regional volume. When timelines are tight, having funding ready to close the same day matters. Funded amounts here commonly run $90,000–$300,000, with capacity well beyond for larger deals.
How a double close closes in Missouri
Missouri is a title/escrow-closing state, so a title company or escrow agent conducts the closing without a mandatory attorney. Run both the A→B and B→C legs through one title company that’s comfortable with same-day back-to-back transactions on a single title commitment — most Kansas City and St. Louis shops do these routinely. Missouri is also a wet-funding state, meaning our funds must be in escrow before the deed records; we wire by 9 AM Eastern (8 AM Central), the first leg records, the second records right behind it, and we’re repaid at disbursement. Given the speed of Missouri’s foreclosure timelines, line up your title company early and confirm they’ll do the simultaneous close.
Pricing
Tiered flat fee, settled on the closing statement — nothing upfront:
| Funded amount | Fee |
|---|---|
| Up to $1,000,000 | 1.25% |
| $1M–$10M | 1.0% |
| $10M+ | Custom |
A $200,000 Kansas City deal carries a $2,500 fee, due only at a successful close.
What you’ll need
- Executed A-to-B purchase contract
- Executed B-to-C assignment or purchase contract
- Verified end buyer with proof of funds or financing approval
- Same-day closing scheduled on both legs
- One Missouri title company handling both transactions
No credit check, no income verification, no tax returns. The contracts and the end buyer underwrite the deal.
A typical Missouri double close scenario
You catch a pre-foreclosure ranch in south St. Louis County, lock it at $165,000, and have a rehabber under contract at $205,000 for the same day. To keep the $40,000 spread off a shared settlement statement, you double close: we wire $165,000 to the title company by 9 AM Eastern, the A→B leg records, B→C records moments later, and we’re repaid from the buyer’s funds. Speed matters in a trustee-sale state — and you didn’t risk a dollar of your own capital.
Apply
Upload both contracts and the end-buyer proof of funds online. Roughly 48 hours to wire-ready, or same-day for complete files before 11 AM Eastern.
Frequently Asked Questions
Why is Missouri's fast foreclosure process relevant to double closing? +
Missouri uses non-judicial trustee sales, which move quickly compared with judicial states — a default can run to a trustee's sale in a matter of weeks once the process starts. That speed produces a steady stream of distressed and pre-foreclosure inventory in Kansas City and St. Louis, and it means wholesalers often need to move fast to lock and flip a deal before the timeline closes. A same-day double close lets you take title and resell without waiting on your own financing.
How does double close funding work with a Missouri title company? +
Missouri closes through title companies and escrow agents rather than a mandatory attorney, so both the A-to-B and B-to-C legs can run through one title company comfortable with a same-day back-to-back close on a single commitment. Most established Kansas City and St. Louis title shops handle simultaneous closings routinely. Missouri is a wet-funding state, so our funds must be in escrow before recording — we wire by 9 AM Eastern. Confirm the title company's process before scheduling.
How fast can you fund a Missouri double close? +
Around 48 hours from a complete file to wire-ready, and same-day when a full application arrives before 11 AM Eastern — useful in a fast trustee-sale state where timelines can be tight. Missouri runs on Central time, so a 9 AM Eastern wire reaches your title company by 8 AM local, comfortably ahead of most closings. We wire into escrow before recording to satisfy wet-funding requirements.
Apply for Double Close Funding in Missouri
Submit your application online — same-day decisions for complete files before 2 PM Eastern.