EMD Funding in Wisconsin | Swift Deal Funding
How EMD funding works in Wisconsin
EMD funding puts up the earnest money so you can lock a Wisconsin contract without spending your own cash. We wire the deposit — $5,000 to $25,000 — directly to the title company holding escrow, usually within 24 hours of a complete application. The deposit must be refundable under your contract’s inspection or financing contingencies, so if a deal dies inside those windows, the money comes back to us through title.
Wisconsin’s standard WB-11 offer form builds in inspection and financing contingencies, which makes the refundable structure EMD funding requires straightforward to document. In Milwaukee’s deep investor market, and increasingly in fast-moving Madison, a funded deposit lets you compete on speed and keep multiple contracts working at once without parking your own capital in each one.
Pricing for EMD funding in Wisconsin
Two options on every EMD:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | One predictable cost (most popular) |
A $12,000 EMD under Option B costs $1,200, paid once, nothing at closing.
What you’ll need for EMD funding in Wisconsin
- Executed purchase contract (commonly the WB-11) with refundable EMD language
- Wisconsin title company escrow contact
- Written confirmation from title that the deposit is refundable per your contract
- Your ID
No credit, income, or tax documents.
A typical Wisconsin EMD scenario
A wholesaler finds an underpriced bungalow on Milwaukee’s west side and needs to lock it fast. The WB-11 offer calls for $10,000 earnest money. Instead of wiring personal funds, the wholesaler applies before 11 AM; we confirm the refundable inspection contingency with the Milwaukee County title company and wire $10,000 the same day. Under Option B, the flat cost is $1,000. The contract is secured, the wholesaler lines up an end buyer during the inspection period, and their own cash stays free for the next deal.
Apply for EMD funding in Wisconsin
Submit your contract and title company contact online — under ten minutes. Same-day wire for complete files in before 11 AM Eastern. We coordinate the deposit directly with your title company.
Frequently Asked Questions
Where does my earnest money go on a Wisconsin deal? +
We wire the earnest money directly to the title company holding escrow for your Wisconsin contract — not to you. Wisconsin closings run through title companies, so that office is the neutral holder, and we need its contact plus written confirmation the deposit is refundable per your contingencies before we fund. The wire usually arrives within 24 hours of a complete file. Keeping the deposit in a regulated title escrow from day one is what listing agents in competitive Milwaukee and Madison markets expect to see.
Is my Wisconsin earnest money refundable if the deal dies? +
Only if your contract makes it refundable. The standard Wisconsin WB-11 residential offer includes inspection and financing contingencies that, when used correctly, let you recover the deposit if you cancel inside those windows. We fund EMD on deals with that refundable structure, and your title company must confirm it in writing before we wire. Cancel within the contingency period and the deposit returns to us through title. Confirm your specific contingency terms with your agent or title officer.
How much EMD funding can I get for a Wisconsin contract? +
We fund earnest money from $5,000 to $25,000 per deal. That covers the typical deposits across Milwaukee, Madison, and Green Bay, where 1–2% of the price is common, and the upper end lets you put up a serious deposit on higher-priced Madison or suburban listings. Funding the deposit lets you keep several Wisconsin contracts alive at once without draining capital. Same-day wires are available for complete files submitted before 11 AM Eastern.
Apply for EMD Funding in Wisconsin
Submit your application online — same-day decisions for complete files before 2 PM Eastern.