EMD Funding in Nashville, TN | Swift Deal Funding
EMD Funding in Nashville, TN
EMD funding covers the earnest money deposit on your Nashville contracts — typically $5,000 to $25,000 — wired to your title company within about 24 hours so you can lock up a property without spending your own cash. Nashville’s boomtown momentum makes this matter: in a market with a median near $450K and steady relocation demand, sellers in East Nashville, Antioch, and Madison often want strong earnest money to commit, and deals can draw competing offers. EMD funding lets you compete hard while keeping your capital free. The deposit must be refundable under your contract’s inspection or due-diligence terms.
How EMD funding works in Nashville
Tennessee is a title/escrow, wet-funding state, so your earnest money is held by the closing escrow agent — a licensed Nashville title company, with no attorney-closing requirement. We wire the funded EMD straight to that title office, where it sits in escrow under your contract, never released to the seller before closing. We need written confirmation from title that the EMD is refundable per your terms before we fund. Confirm refund handling and any non-refundable date with title locally.
Pricing
| Option | Upfront | At Close |
|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD |
| B | 10% of EMD (min $1,000) | 0% — most popular |
A $20,000 Nashville EMD on Option B costs $2,000 total, paid once, with nothing due at closing.
What you’ll need
- Executed purchase contract with refundable EMD language
- Nashville title company / escrow contact
- Written confirmation from title that the EMD is refundable
- Your ID
No credit, income, or tax docs.
A typical Nashville EMD scenario
You go under contract on a $380,000 fixer in Madison drawing multiple offers. The seller wants $15,000 earnest money to accept. Rather than tie up your own cash while you shop it to your buyer list, you order EMD funding. We wire $15,000 to the Nashville title company within 24 hours; on Option B your cost is $1,500, paid once. If due diligence kills the deal, the deposit comes back refundable.
Apply
Submit your contract and title contact online — under 10 minutes. Same-day wire possible before 11 AM Eastern.
Frequently Asked Questions
Why do Nashville wholesalers need EMD funding? +
Nashville is a competitive, fast-appreciating market — sellers in East Nashville and Madison often demand strong earnest money to take a property off the market. EMD funding lets you back several contracts with real deposits, typically $5,000–$25,000, while you line up end buyers, without draining your own working capital. We wire the deposit to your Nashville title company within about 24 hours, and it stays refundable under your contract's inspection or due-diligence terms.
Are larger earnest deposits common on Nashville deals? +
Yes — at a median near $450K, sellers frequently ask for higher earnest money than in cheaper Tennessee markets. We fund EMDs from $5,000 up to $25,000, sent straight to your closing escrow agent. Nashville is a title/escrow state, so a licensed title company (no attorney required) holds the deposit. We need written confirmation from title that the EMD is refundable per your contract before we fund, so your downside stays protected during due diligence.
How fast can you fund earnest money on a Nashville contract? +
We wire the EMD to your Nashville title company within about 24 hours of a complete application and title confirmation. For tight deposit deadlines — common when you're competing against other offers in this market — same-day funding is possible for complete files in before 11 AM Eastern. The application takes under 10 minutes: the contract with refundable EMD language, your title contact, and ID. No credit check.
Apply for EMD Funding in Nashville, TN
Submit your application online — same-day decisions for complete files before 2 PM Eastern.