EMD Funding in Atlanta, GA | Swift Deal Funding
EMD Funding in Atlanta, GA
EMD funding puts up the earnest money deposit on your Atlanta contract so you can lock a property without committing your own cash. We send the deposit — $5,000 to $25,000 — straight to the escrow holding the deal, usually within 24 hours of a complete application. It’s our cheapest, fastest product, and it matters in Atlanta, a top-three wholesale market where investors compete hard and run several contracts at once across English Avenue, the West End, Adair Park, and East Point. The deposit must be refundable under your contract’s inspection or due-diligence terms.
How EMD funding works in Atlanta
Georgia is an attorney-closing state, so the deposit is typically held in the closing attorney’s trust account (or a broker’s escrow), and a licensed Georgia attorney — not a title company alone — must conduct the eventual closing. Once we have your executed contract with refundable EMD language, the escrow/attorney contact, written confirmation the deposit is refundable, and your ID, we wire — typically within 24 hours, and same-day for complete files in before 11 AM Eastern. If the deal closes, you’re done; if it dies in due diligence, the refundable deposit returns to us. Confirm refund terms in writing before relying on them.
Pricing
| Option | Upfront | At close | Best for |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | Predictable per-deal cost (most popular) |
A $10,000 EMD under Option B costs $1,000 total — paid once, nothing at closing.
What you’ll need
- Executed purchase contract with refundable EMD language
- Atlanta escrow / closing attorney contact
- Written confirmation that the EMD is refundable
- Your photo ID
No credit check, income verification, or tax returns. Local note: in Georgia the closing is attorney-conducted, so coordinate your deposit and refund terms with the closing attorney’s office early — they’ll be the ones holding and ultimately disbursing it.
A typical Atlanta EMD scenario
You go under contract on a $230,000 home in East Point you plan to assign. The seller wants a $10,000 deposit to take it off market ahead of competing investors. Under Option B, we wire $10,000 to escrow within 24 hours for a $1,000 fee. Your cash stays free to chase the next deal, and if inspection kills the numbers, the refundable deposit returns to us.
Apply
Submit your contract and escrow contact online — most files take under ten minutes.
Frequently Asked Questions
Where does the earnest money go on an Atlanta deal? +
We wire the EMD to the escrow holding your Atlanta contract — typically within 24 hours of a complete application and written confirmation. Georgia is an attorney-closing state, so the deposit is usually held by the closing attorney's trust account (or a broker's escrow), and that licensed Georgia attorney must ultimately conduct the closing — a title company alone cannot. The deposit must be refundable under your contract's inspection or due-diligence terms, with written confirmation it returns to us if the deal doesn't close.
How much earnest money will you fund in Atlanta? +
We fund EMDs from $5,000 to $25,000, which covers most Atlanta residential contracts — from a sub-$200K English Avenue rehab to a near-median $400K property where competing investors push deposits higher. Two options: Option A is 5% upfront (min $500) plus 20% at close; Option B is 10% upfront (min $1,000) with nothing at close — the popular pick for predictable cost. In Atlanta's crowded wholesale market, a fast, funded deposit helps you win contracts ahead of other investors.
Why use EMD funding instead of my own cash in Atlanta? +
Atlanta is one of the top three wholesale markets in the country, so you're competing with many other investors and often running several contracts at once. Tying your own cash in multiple escrows drains working capital. EMD funding lets you lock deals across the West End, Adair Park, and East Point while your cash stays free for marketing and acquisitions. Because the deposit is refundable per your contract, your downside is limited to our fee if the deal dies in due diligence.
Apply for EMD Funding in Atlanta, GA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.