Apply now for EMD Lending
What is Earnest Money?
Earnest Money Deposits (EMD) are upfront funds paid by a buyer to show serious intent to purchase a property. Typically submitted when a purchase agreement is signed, this deposit is held in escrow and either applied to the purchase price or refunded at closing, depending on the outcome of the transaction.
What is EMD?
EMD provides buyers with fast, secure access to earnest money funds—helping them move forward confidently in real estate transactions. Our mission is to streamline the EMD process, making it simple and stress-free for buyers, sellers, and agents alike.
How Repayment Works
Funds from EMD are usually repaid at the close of escrow, either from proceeds of the transaction or through terms agreed upon in advance by all parties.
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Flyp Capital – Transactional Funding FAQ
What types of funding do you offer for real estate deals?
We specialize in short-term, deal-based capital for investors, including:
EMD Loans – We fund your earnest money deposit so you can lock in deals fast
Double Close Funding – We provide transactional capital for same-day A→B→C closings
Morby Method Support – We partner with you to structure creative finance deals that combine seller carry and private funds
How fast can I get funded?
In most cases, within 24–48 hours.
For EMD and double close deals, we move as fast as your title company and paperwork allow. Morby Method deals can vary slightly depending on structure, but our turnaround is still fast.
What documents do I need to submit?
It depends on the funding type, but here’s what we usually need:
EMD: Purchase agreement, EMD request, title company info
Double Close: A–B and B–C contracts, HUD/CD drafts, title contact
Morby Method: Purchase agreement, seller terms, and proof of exit or long-term strategy
We’ll walk you through it all.
Do you check my credit or require income verification?
No, we don’t do credit checks or require tax returns. We fund based on the deal — not your FICO.
Is this available nationwide?
Yes. We fund deals across the U.S. as long as the title company allows third-party or pass-through funding. If you’re unsure, we’ll verify it for you.
How are funds delivered?
We wire funds directly to the title company. You don’t have to touch the money — we coordinate with escrow to ensure everything lines up for closing.
Do you charge any fees?
Yes, we charge a flat transaction fee or small percentage of the funding amount depending on the type of deal. There are no hidden costs, no junk fees, and no prepayment penalties.
Do you offer proof of funds?
Yes, if you’re an approved client or submitting an active deal. We can provide EMD letters and transactional proof of funds when needed.
What’s the minimum or maximum amount I can request?
EMD: $500 – $10,000
Double Close: $20,000 – $2,000,000+
Morby Method: Deal-dependent (we’ll underwrite creatively with you)
How do I apply?
Click the Apply Now button and fill out your deal info. You’ll get a response within 24 hours. If you have an urgent deal, include the closing date and title contact — we prioritize fast closings.