We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
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Bridge Capital for Earnest Money Deposits: What Real Estate Sponsors Actually Use
Bridge Capital for Earnest Money Deposits: What Real Estate Sponsors Actually Use
Earnest money is non-negotiable. If you’ve got a signed LOI and a seller waiting for funds, waiting 3 weeks on your lender is a non-starter. In 2025, serious real estate sponsors use bridge capital to cover that short-term gap—without pulling their own cash. Here’s how it works, what it costs, and how to get the money in under 10 days.
What Is Bridge Capital for Real Estate Closings?
Bridge capital for real estate closing covers short-term funding needs like earnest money deposits, escrowed guarantees, or non-refundable down payments tied to a closing date. The capital is typically secured by either a future equity interest, a note, or a reimbursement agreement backed by proceeds from the primary transaction.
If the deal moves forward, the bridge gets repaid at close. If it doesn’t, the capital provider either converts to equity, recovers from escrow, or executes rights outlined in the agreement.
What Sponsors Actually Use
Most sponsors don’t post the cash themselves. They use short-term capital structures such as:
— Unsecured investor notes with fixed fees and clawback protection
— Escrow-secured capital backed by deposit refund rights
— Equity kicker notes that convert at close
— Assignment of proceeds agreements tied to final funding stack
None of these require institutional approvals. If the file checks out, serious providers can deploy within a week.
How to Make Your Deal Fundable
Bridge capital providers want clarity and speed. They need to see the signed LOI or PSA, proof of funds for the remainder of the raise, and a clear path to exit. If your deal is still speculative or you can’t show who’s funding the rest, it won’t get approved.
Packaging matters. Financely underwrites these deals internally and presents them directly to groups that fund real estate gap capital. You’ll need to show the capital stack, your sponsor resume, and a use-of-funds summary. No fluff, no pitch decks. Just the deal.
Need Earnest Money for a Real Estate Closing?
We underwrite the file and get it placed in under 10 days with real capital providers.
Standard timeline is 5–10 business days. The faster you provide documents, the faster we move. Some deals close in under a week if the seller is responsive and escrow is ready to receive. Expect fees between 2%–5% depending on structure, or an equity piece if the deal is high-margin and timing is tight.
The Bottom Line
If you’ve got a real estate deal worth fighting for, don’t lose it over a deposit you can’t tie up. Financely helps sponsors secure bridge capital fast—without risking personal liquidity or chasing brokers. If the deal is real, we’ll get it funded.
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All submissions arepromptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
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Once we receive your submission, our team will review your information to determine feasibility. If
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Disclaimer:
Financely provides financing based on due diligence and feasibility.
Approval is not guaranteed, and past performance does not predict future outcomes. All terms are
subject to review. Financely primarily assists with structuring and distribution. Qualified parties
carry out the project if the client approves the proposal.
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About Financely
Financelyadvises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
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Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.Clickhereto download our brochure. Emailsupportdesk@financely-group.comfor general enquiries.