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Transactional Funding Houston

With transactional funding, Houston wholesalers have a straightforward source for loans. With King James Lending, double closings are a simple process.

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Purchase and resell—fast

Funding Designed For Wholesalers

For investors looking to purchase and resell a property on the same day.

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Explore Transactional Funding

This short-term funding solution supports investors who need to purchase and resell property in the same day.

 

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100% Funding for Double Closings

Leverage full funding without using your own cash, so you can execute back-to-back transactions smoothly and keep your deals moving.

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No Credit or Income Requirements

Focus on the deal — not your personal finances. We fund based on the property, not your credit score or income.

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Capital for A-B, B-C Transactions

Designed for wholesalers who need fast, reliable funding to close both sides of a transaction smoothly — no delays, no complications.

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Protect Your Assignment Fee

Ensure you get paid in full by closing in your name first, so you maintain full control and safeguard your profit.

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Transactional Funding Benefits

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Why Investors Choose Transactional Loans

  • Same-Day Disbursement
  • Close with Confidence
  • Zero Delays
  • Ideal for Experienced Wholesalers
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Customer Testimonials

  • Just closed on a property that we bought with King James Lending. The entire process was smooth, we will for sure be using them for more of our projects.

    Ivan P., First-Time Homebuyer

  • Best hard money in Houston! King James Lending goes above and beyond to get you the right terms and fits your needs with your situation and particular scenarios. Whether rates, or cash to close is your concern, James and his team can make it happen for you! I have worked with this local lender numerous times and are always available to answer any concerns you have. The best part is if you need a quick close this is the Houston hard money lender to go to!

    Orlando G. , First-Time Homebuyer

  • Great guys to work with. Great experience! Give them a try. You won't be disappointed!

    Creg T., First-Time Homebuyer

  • I am beyond grateful for meeting James. He took the time to meet with me and give me tons of information about the hard money lending process. I can confidently say I am now more comfortable with the process thanks to James. I look forward to working with him and his team!

    Marisa G. , First-Time Homebuyer

The KJL Process

How Transactional Funding Works

Lender
That’s us—providing the short-term funds needed to close the first deal.

Intermediate
That’s you—the real estate investor or wholesaler managing the transaction.

Initial Seller
The person who sells the property to you.

End Buyer
This is the individual who buys the investment property at the end of the deal.

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Frequently Asked Questions

What is transactional funding?

A short-term loan for same-day, back-to-back closings (A-B, B-C) — often used by wholesalers.

Who uses it?

Wholesalers needing to buy and immediately resell without using personal funds.

How long is it held?

Typically for just one day, with both closings occurring at the same title company.

Are there monthly payments?

No — it’s repaid in full the same day from the end buyer’s funds.

Do closings need to happen at the same title company?

Yes, for compliance and a smooth transaction.

Requirements to qualify?

A signed contract with the seller (A), a signed contract with your buyer (C), and proof of your buyer’s funds. No credit or income checks needed.

Do I need to bring cash?

No. Funding covers the entire A-B purchase price.

How much can I borrow?

Based on the A-B purchase price. There’s usually no strict minimum or maximum — each deal is case-specific.

What are the fees?

Typically 1%–2% of the A-B price, depending on deal size and complexity.

How do I get started?

Submit your signed contracts and end buyer details. We’ll review quickly and provide same-day funding.

Ready To Fund Your Next Investment?

Our team is here to help.

Get Pre-Approved Request Funding

About King James

At King James Lending, we genuinely want to be an essential part of your team. We look forward to being an invaluable asset and a trustworthy partner for all your lending needs. See why we are the hard money lenders Houston investors trust.

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