Stack Funding in Atlanta, GA | Swift Deal Funding
Stack Funding in Atlanta, GA
Stack funding — built on the Morby Method — supplies the cash an Atlanta closing needs at the table when a seller carry-back note covers the buyer’s down payment but the closing still requires real funds to fund. The recorded seller-carry note then repays our funds plus a flat 2.5%, often same-day. It’s the right tool for creative-finance and subject-to deals across Atlanta’s investor-heavy neighborhoods — English Avenue, the West End, Adair Park, and East Point — where equity-rich sellers prefer payments over a full cash payout. Capacity runs up to $10 million per transaction.
How Stack funding closes in Atlanta
Georgia is a wet-funding state but an attorney-closing state: a licensed Georgia attorney must conduct the closing and record the seller-carry second-position note — a title company alone cannot. The seller agrees to a carry-back covering the down payment and costs. On closing day we wire the cash needed at the table; the attorney closes the deal, records the note in second position, and that note repays our funds plus 2.5% — typically same-day through the attorney’s trust account. Standard turnaround is about 48 hours from a complete file. Confirm in writing that the attorney will record the note as agreed.
Pricing
Flat 2.5% of the funded amount, collected through the settlement statement. No upfront fees.
| Funded amount | Fee |
|---|---|
| $40,000 | $1,000 |
| $90,000 | $2,250 |
| Up to $10,000,000 | 2.5% flat |
What you’ll need
- Executed purchase contract with seller-financing terms
- A carry-back amount that covers the required down payment plus closing costs
- A licensed Georgia closing attorney ready to record the second-position note immediately after closing
- Written confirmation from the attorney that the note will be recorded as agreed
No credit check, income verification, or tax returns.
A typical Atlanta Stack scenario
An equity-rich owner of a $400,000 West End property agrees to a subject-to/seller-carry deal. The carry-back covers the $40,000 the buyer would otherwise bring as a down payment, but the closing needs that cash present to fund. We wire $40,000 on closing day; the Georgia attorney closes the deal, records the second note, and it repays us $40,000 plus a $1,000 fee (2.5%) — typically same-day. The seller collects payments, the buyer needed little cash, and you keep the spread.
Apply
Send your purchase contract and seller-financing terms online — we coordinate the carry-back recording directly with your Georgia closing attorney.
Frequently Asked Questions
Who records the second note on an Atlanta Stack deal? +
The licensed Georgia closing attorney handling your Atlanta closing records the seller-carry second-position note. Georgia is an attorney-closing state, so a title company alone cannot conduct the closing or record the instrument — the attorney does both. We provide the cash needed at the table on closing day, and the recorded second note repays our funds plus a flat 2.5%, often same-day through the attorney's trust account. Confirm in writing that the attorney will record the note exactly as agreed before scheduling.
What Atlanta deals fit Stack funding? +
Stack fits creative-finance structures where a motivated seller carries back a note covering the buyer's down payment, but the closing still needs real funds at the table. In Atlanta's investor-heavy market, that's common on subject-to deals across the West End, Adair Park, and East Point, where sellers with equity prefer payments to a full cash-out. If there's a large assignment fee instead of seller financing, Echo is usually the better tool.
How is Stack different from a double close in Atlanta? +
A double close has us fund the full A-B purchase, repaid from the end buyer's proceeds at the same closing. Stack is for seller-financed deals: the carry-back covers the down payment, we supply only the cash the closing needs, and a recorded second-position note repays us afterward. Both must be conducted by a licensed Georgia attorney, but Stack hinges on the seller-financing terms and the attorney being ready to record the second note immediately after closing.
Apply for Stack Funding in Atlanta, GA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.