Double Close Funding in Phoenix, AZ | Swift Deal Funding
Double Close Funding in Phoenix, AZ
Double close funding in Phoenix covers the wholesale A→B→C structure: you buy from the seller (A-to-B) and resell to your end buyer (B-to-C) the same day, through one Arizona escrow agent and one title file. We provide the transactional capital for the A-to-B leg so you never use your own cash. Phoenix deals we fund typically run $200,000–$800,000, with capacity past $100,000,000 on a single transaction.
Phoenix is one of the busiest fix-and-flip markets in the country. The metro’s heat, aging mid-century pool homes, and caliche-laden soil drive a steady pipeline of rehab inventory — from Maryvale and South Phoenix value plays to Arcadia-adjacent teardowns. With a median around $460,000 and a deep investor-education ecosystem, assignment spreads here are often wide enough that wholesalers prefer a double close to keep the fee off the settlement statement.
How a double close closes in Phoenix (dry-funding, record-first)
Arizona is a dry-funding, escrow state. That single fact drives the entire Phoenix timing model. Unlike a wet state, an Arizona escrow agent cannot release funds when the documents are signed — disbursement happens only after the deed records with the Maricopa County Recorder. For a same-day double close that means:
- We wire the A-to-B funds to your escrow agent by 9 AM Eastern.
- Both legs sign in the morning.
- The A-to-B deed records first; once recording confirms, that leg disburses.
- The B-to-C deed records next; end-buyer proceeds release and repay our funds plus fee.
The recording sequence — A-to-B before B-to-C — is what makes the same-day chain work. Because everything is tied to county recording rather than the signing table, an early, complete file matters more here than in wet states. Confirm the daily recording cutoff with your Phoenix escrow officer; Maricopa volume can push late-afternoon filings to the next morning.
Pricing
Tiered flat fee on the funded amount, collected on the settlement statement. No upfront or application cost: up to $1M = 1.25%, $1M–$10M = 1.0%, $10M+ custom. A $400,000 A-to-B leg runs a $5,000 fee.
What you’ll need
- Executed A-to-B AAR purchase contract
- Executed B-to-C assignment or purchase contract
- Verified end buyer with proof of funds or financing pre-approval
- Same-day closing scheduled on both legs
- A single Arizona-licensed escrow agent handling both transactions and recording
No credit pull, income docs, or tax returns — and no Arizona wholesaler license required. The deal documents underwrite the funding.
A typical Phoenix double close scenario
You tie up a tired 1970s ranch in Maryvale at $290,000 (A-to-B) and assign the position to a flipper at $325,000 (B-to-C) — a $35,000 spread you’d rather not show on the buyer’s statement. We wire $290,000 to your central-Phoenix escrow agent by 9 AM Eastern. Both legs sign that morning; the A-to-B deed records with Maricopa County, then B-to-C records. Once disbursement clears recording, our $290,000 plus the $3,625 fee is repaid from the end-buyer proceeds, and you net roughly $31,375 — all the same business day.
Apply
Upload both contracts and your end-buyer verification online. Standard turnaround is ~48 hours to wire-ready; same-day is possible for complete files in before 11 AM Eastern.
Frequently Asked Questions
How does Arizona's dry-funding rule affect a Phoenix double close? +
Arizona is a dry-funding, escrow state. Your escrow agent disburses only after the deed records with Maricopa County — not at the signing table. For a same-day A-to-B-then-B-to-C double close in Phoenix, that means we wire by 9 AM Eastern, both legs sign, the A-to-B deed records first, then the B-to-C records and proceeds release. We build the recording sequence into the schedule so both transactions clear the same business day. Always confirm the exact recording cutoff with your escrow officer.
Do I need a wholesaler license to double close in Phoenix? +
No. Arizona does not require a wholesaler or real estate license to assign or double close a contract you control. You do need a fully executed AAR purchase contract on the A-to-B side and a separate B-to-C contract with a verified end buyer. Because Arizona is anti-deficiency and escrow-driven, a licensed Arizona escrow agent handles both legs. We coordinate the wire and the closing statement; the escrow agent handles recording with the county.
Can a Phoenix double close really fund and close same day given record-first timing? +
Yes, when the file is complete and submitted before 11 AM Eastern. Our wire lands at the Phoenix escrow agent by 9 AM Eastern. Both legs sign in the morning, the A-to-B deed records, then B-to-C records, and our funds are repaid from the end-buyer proceeds once disbursement clears recording — typically within the same 4-8 hour window. The dry-funding rule shifts disbursement to post-recording, not post-signing, which is why same-day requires an early, clean file.
Apply for Double Close Funding in Phoenix, AZ
Submit your application online — same-day decisions for complete files before 2 PM Eastern.