Stack Funding in Arkansas | Swift Deal Funding
Stack Funding in Arkansas
Stack — the Morby Method — is there for the moment a seller-carry deal hits a wall: the seller is covering the down payment with a note, but the title company still needs genuine cash in escrow to close. We wire that cash, and a second-position seller-carry note, recorded at closing, pays us back plus a flat 2.5%. It’s the fix for an Arkansas creative-finance deal that works on paper but needs liquidity at the table. Advances here typically run $20,000–$70,000, with capacity to $10 million.
Arkansas’s affordability is what makes seller financing so common. Around Little Rock and across the fast-climbing Fayetteville–Bentonville corridor, owners holding equity in a rising market frequently prefer to carry a note over a full cash-out. Stack lets the investor close those structures without freezing their own money in escrow, and across 3.1 million residents that flexibility moves a lot of deals.
We’re a direct lender — no credit check, no income, no tax returns. The contract and the seller-financing terms are the file.
How Stack Funding closes in Arkansas
In Arkansas the closing agent at the title company runs the show — no mandated attorney — and that agent does double duty on a Stack: releasing our cash at settlement and recording the seller-carry note in second position with the county.
Arkansas funds wet, so the disbursement lands at the table the moment documents sign — none of the recording-day wait dry-funding states impose — while the second-position note records into the county’s books behind the first lien as part of the same closing. We need the closing agent’s written commitment to record it as agreed, and the carry-back has to cover both the down payment and the closing costs. Map out the recording sequence and timing with your Arkansas closing agent before you set the date.
Pricing
A flat 2.5% on the funded amount, settled on the closing statement, nothing upfront:
| Funded Amount | Fee |
|---|---|
| $40,000 | $1,000 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | $250,000 |
What you’ll need
- A purchase contract carrying the seller-financing terms
- A carry-back covering at least the down payment plus closing costs
- A closing agent ready to record the second-position note right after closing
- That agent’s written commitment to record the note as agreed
A typical Arkansas Stack scenario
An investor sets up a seller-finance buy on a Little Rock fourplex: the seller carries a $50,000 note covering the down payment and costs, but the title company needs $50,000 of real cash in escrow to close. We wire $50,000 in by 9 AM. The deal closes at the table — Arkansas funds wet — the agent disburses and records the seller-carry note in second position with the county, and that note pays us $51,250 (the $50,000 plus $1,250), leaving the investor’s capital untouched.
Apply
Send the purchase contract and seller-financing terms; we’ll line up the carry-back recording with your Arkansas closing agent.
Frequently Asked Questions
Who puts the carry-back note on record in Arkansas? +
Your closing agent at the title company. Arkansas handles closings through title companies rather than mandated attorneys, so the same agent running settlement records the seller-carry note in second position with the county. We won't release funds until that agent confirms in writing they'll record it as agreed. And because Arkansas funds wet, the agent disburses at the table while the second-position note goes onto the public record as part of that closing.
What kind of Arkansas deal calls for Stack? +
Seller-finance and subject-to structures, where the seller carries the down payment but the title company still needs actual cash in escrow to close the file. Arkansas's modest prices make those deals common — you see them a lot around Little Rock and the growing Northwest corridor when an equity-rich owner would rather hold paper than cash out. We supply the escrow cash, the recorded carry-back note pays us back plus 2.5%. Got a large assignment fee instead? Echo is the better route.
How quickly can Stack close in Arkansas? +
Send a purchase contract with the seller-financing terms, a carry-back that covers the down payment and costs, and a closing agent ready to record the note, and we're typically wire-ready in about two days — same day for clean files before 11 AM Eastern. Funds reach the closing agent by 9 AM Eastern. Arkansas wet-funding means disbursement happens at the table while the note records into the county's books. A $40,000 Fayetteville Stack runs $1,000.
Apply for Stack Funding in Arkansas
Submit your application online — same-day decisions for complete files before 2 PM Eastern.