What Are Transactional Lenders?
Transactional lenders specialize in short-term, hard money loans designed to help real estate investors purchase properties without tying up their own capital. These loans are primarily used in double or simultaneous closings, where an investor acquires a property and resells it (often within the same day) to an end buyer. Since transactional lenders provide 100% of the required funding, investors don’t need to front any money, making this a powerful tool for wholesalers and flippers looking to execute fast, profitable deals. The key requirement? A committed end buyer must already be in place, ensuring a smooth and secure transaction.
Top 10 Transactional Lenders In 2025
Finding the right transactional lender can make all the difference when it comes to securing fast, reliable funding for real estate deals. Whether you’re a wholesaler executing a double close or an investor looking for short-term capital, having the right lender by your side is key. Below is a list of some of the top transactional lenders in 2025, each offering unique advantages to help real estate professionals close deals with confidence.
1. Coastal Capital Funding
Overview
Coastal Capital Funding is a Virginia-based direct private lender with over 30 years of experience in financing real estate deals. Known for its reliability and fast funding process, Coast Capital Funding has built a strong reputation among wholesalers and real estate investors who need quick capital for double closings.
Loan Products
Coast Capital Funding offers transactional bridge loans with repayment terms ranging from 1 to 3 days. They finance 100% of the purchase price and can close in as little as 48 hours, provided the title is clear (a title company can be used). There are no upfront fees, but a $495 processing fee is included in closing costs. Transactional funding fees typically range from 2-3% of the loan amount.
2. Paces Funding
Overview
Based in Atlanta, Paces Funding is one of the largest hard money lenders in the region. They specialize in transactional funding for various types of properties, including commercial investments, retail spaces, and even new construction. Unlike traditional lenders, Paces Funding prioritizes the property’s after-repair value (ARV) over credit scores.
Loan Products
Paces Funding provides fast access to funds with an online underwriting process. Borrowers can apply by submitting a purchase contract and renovation list, with appraisal scheduling happening within a day. Once approved, the loan can be closed as soon as the next business day. Their fees are competitive, with a 1.75% processing fee based on the initial transaction (A-B contract).
3. EquityMax
Overview
With over 30 years of experience, EquityMax is a trusted transactional lender offering fast and reliable funding for real estate investors. They operate in 46 states and have extensive partnerships with title companies, making their services accessible nationwide.
Loan Products
EquityMax provides 100% transactional funding for deals ranging from $10,000 to $1,000,000, including closing costs. They offer same-day approvals, and for transactions under $500,000, the transactional funding fees start at 1% or $1,000 (whichever is greater). No credit checks or down payments are required, making it an attractive option for investors who need quick funding without extensive paperwork.
4. Straightline Funding
Overview
Straightline Funding is a nationwide transactional lender (excluding CA, UT, and NY) specializing in providing 100% funding for real estate wholesalers and fix-and-flip investors. Their streamlined process and flexible funding make them a preferred choice for many investors.
Loan Products
Straightline Funding offers loans up to $6,000,000 with fees that vary based on deal size. Their flat fees start at $75 for transactions under $100,000, scaling up to 2% for transactions exceeding $2,000,000. They also offer extended transactional funding for non-judicial foreclosure states at up to 80% LTV, making them a flexible option for longer deals.
5. Yieldi
Overview
Yieldi is a well-established private lender that provides transactional funding for real estate wholesalers and investors. They are known for their speed and flexibility, ensuring investors have access to capital when they need it most.
Loan Products
Yieldi offers transactional loan products ranging from $350,000 to $25,000,000 with loan terms from same-day closings to 30-day extended transactional funding. Their fees vary between 2% and 6%, and they lend to LLCs and companies, making them an ideal choice for investors with structured business entities.
6. DoubleClose.com
Overview
DoubleClose.com specializes in providing 100% transactional funding to wholesalers across the U.S. Their focus is on fast closings with no upfront fees, making them a go-to lender for real estate professionals who need quick capital.
Loan Products
Available in most states except Alaska, Hawaii, and New York, DoubleClose.com offers instant loan approvals as long as both transactions close on the same day at the same title company. Fees start at 1% of the purchase price for deals up to $1,000,000, with a minimum fee of $750.
7. Washington Capital Partners
Overview
Washington Capital Partners is a premier lender offering high-value transactional loan products. They provide tailored funding solutions for real estate investors needing substantial capital for their deals.
Loan Products
Their loans go up to $10 million with no down payment required. In addition to funding, borrowers receive a dedicated specialist to guide them through the process. The company also assists in marketing investment properties to its network of over 8,000 investors. Fees include an origination fee and a $1,000 processing fee.
8. Jet Lending
Overview
Jet Lending is a Texas-based hard money lender offering transactional loan options to real estate investors. They have a strong reputation for providing fast, asset-based funding with minimal red tape.
Loan Products
Jet Lending provides 100% financing for short-term transactional funding. They ensure closings happen as fast as three days after title clearance and appraisal review. Borrowers also receive support from dedicated transactional loan officers throughout the process.
9. Flash Closing
Overview
Flash Closing is a transactional lender known for its rapid funding solutions. They provide funding nationwide with no upfront fees, allowing investors to secure deals without risking personal capital.
Loan Products
Flash Closing funds up to 100% of the purchase price, requiring only a proof of funds letter from the end buyer. Both A-B and B-C transactions must occur at the same settlement office. They offer same-day funding with fees ranging from $750 for properties under $75,000 to 1% for deals between $76,000 and $1,000,000.
10. Tidal Loans
Overview
Tidal Loans is a Houston-based hard money lender offering transactional funding for real estate wholesalers. They have a reputation for flexible terms and easy qualification processes.
Loan Products
Tidal Loans does not require credit checks, bank statements, or income verification. They offer 100% funding with a standard 2% transaction fee, discounted to 1% if the end buyer secures financing through them. Their extensive network of private investors ensures funding availability across all states.
Final Thoughts - Which Lender Is Best Suited To Your Needs?
Transactional lenders play a crucial role in the real estate investing ecosystem by providing fast, flexible capital to investors who need to complete deals quickly. Whether you’re a wholesaler looking for same-day funding or an investor seeking short-term financing for a flip, choosing the right lender can make or break a deal.
The key to successfully leveraging transactional funding is ensuring that you have a solid exit strategy in place. Since these loans rely on a back-to-back closing structure, having a committed end buyer is essential to avoiding unexpected hurdles. Additionally, comparing lenders based on their fees, funding speed, and flexibility can help investors maximize profits while minimizing costs.
With the right lender, real estate investors can scale their businesses, complete more deals, and increase their real estate investing profitability. The lenders listed in this guide represent some of the best options available in 2025, providing reliable and efficient funding solutions for investors across the country.
