Double Close Funding in Montana | Swift Deal Funding
Double close funding in Montana
Double close funding lets a Montana wholesaler buy from the seller (A→B) and resell to the end buyer (B→C) on the same day, through one title company, without using your own capital for the middle leg. Swift Deal Funding is a direct lender, so the cash that funds your A-to-B purchase comes straight from us and is repaid out of the end buyer’s proceeds when the B-to-C leg closes hours later.
Montana is a comparatively thin wholesale market, but it is an appreciating one. Bozeman’s run-up has pushed investors toward Billings, Great Falls, and Missoula for spreads that still pencil. Statewide there are roughly 1.13 million residents, and deal flow concentrates in those metros plus the Flathead Valley around Kalispell. Funded amounts here usually land in the $60,000–$200,000 range, well inside our capacity ceiling.
How a double close closes in Montana
Montana is a wet-funding state, which is the single biggest timing advantage for a same-day double close. The title company can disburse on your A-to-B leg the moment signed documents and escrowed funds are in hand — it does not have to wait for the deed to hit the county records first. That is the opposite of dry states like neighboring Idaho, where recording must happen before money moves.
Montana also closes through title/escrow companies, not mandatory closing attorneys, so you coordinate with one escrow officer rather than two attorneys. Montana does not have a wholesaler-licensing statute like Illinois or Oklahoma, so the standard practice applies: disclose your equitable interest and your intent to assign or resell. Always confirm the exact recording and disbursement sequence with your local title company or a Montana attorney before you set a same-day schedule.
Pricing
Tiered flat fee on the funded amount, collected on the closing statement — nothing upfront:
| Funded amount | Fee |
|---|---|
| Up to $1,000,000 | 1.25% |
| $1M – $10M | 1.0% |
| $10M+ | Custom |
You pay only if the deal funds and closes.
What you’ll need
- Executed A-to-B purchase contract
- Executed B-to-C assignment or purchase contract
- A verified end buyer with proof of funds or a financing pre-approval
- A same-day closing scheduled on both legs
- A single Montana title/escrow company handling both transactions
Montana note: line up an escrow office that routinely runs back-to-back closes. In smaller markets like Helena or Great Falls, confirm capacity early. No credit check, no income docs, no tax returns.
A typical Montana double close scenario
A wholesaler ties up a Billings rental at $185,000 (A→B) and has a verified buy-and-hold investor under contract at $212,000 (B→C). We wire the $185,000 to the title company by 9 AM. Because Montana is wet-funding, escrow disburses the A leg immediately, the B leg closes the same afternoon, and our funds are repaid from the buyer’s $212,000. On a ≤$1M deal the fee is 1.25% of $185,000 — about $2,312 — leaving the wholesaler the spread minus closing costs.
Apply
Submit both contracts and your end-buyer verification online; standard turnaround is about 48 hours to wire-ready, or same-day for complete files in before 11 AM Eastern.
Frequently Asked Questions
Does Montana being a wet-funding state help my Bozeman double close? +
It does. Montana is a wet-funding state, so the title company can disburse on your A-to-B leg as soon as documents are signed and funds are in escrow — it does not have to wait for the deed to record first. That removes the recording-delay risk that slows same-day closes in dry states out west, which is one reason A→B→C double closes move cleanly through Montana title companies in Bozeman, Billings, and Missoula.
Who closes a double close in Montana — a title company or an attorney? +
Montana is a title/escrow-closing state, not an attorney-closing state. Your A-to-B and B-to-C legs are handled by a licensed title or escrow company, and we require both legs to run through the same office on the same day. An attorney is not mandatory to close, though you are always free to involve one. Confirm the specific office can handle a same-day back-to-back close before scheduling.
Do I owe Montana sales tax on a double close transaction? +
Montana has no statewide general sales tax, so there is no sales-tax line on your closing statement the way some states apply it. You should still budget for recording fees and any local charges, and Swift Deal Funding's fee is collected on the closing statement itself. We do not check credit, verify income, or pull tax returns — the contracts, assignment, and verified end buyer underwrite the deal. Confirm specifics with your Montana title company or attorney.
Apply for Double Close Funding in Montana
Submit your application online — same-day decisions for complete files before 2 PM Eastern.