Echo Funding in Colorado | Swift Deal Funding
Echo Funding in Colorado
Echo is transactional down-payment funding: we put up the cash an end buyer needs for their down payment at closing, and we’re repaid directly from the seller-side proceeds — almost always your assignment fee — the same day. It lets a Colorado wholesaler get a cash-light end buyer to the table without dipping into your own capital. Typical Echo advances here run $20,000 to $80,000, with capacity up to $10,000,000 per transaction. The fee is a flat 2.5%.
The Front Range drives Colorado’s wholesale flow — Denver, Aurora, Colorado Springs, Lakewood, Fort Collins and Boulder. With Denver-metro single-family near $640,000 and a statewide median around $550,000, down payments can be substantial, which is exactly when Echo earns its keep: your assignment fee covers the buyer’s gap and our funding, so the deal closes instead of falling apart.
How Echo Funding closes in Colorado
Colorado is a wet-funding state and a title-company closing state, both of which suit Echo well. Wet funding means the title company disburses at the table once documents are signed — so our advance and the flat 2.5% are repaid from your assignment fee the same day, with no recording delay like you’d face in a dry-funding state such as Arizona or Nevada.
A single Colorado title company handles the closing and the disbursement. Wholesaling is permitted statewide as long as you disclose your equitable interest; there’s no wholesaler-licensing statute. Confirm with your title company and a Colorado real estate attorney that your assignment fee will be disbursed with our Echo repayment included.
Echo example deal in Colorado
A Denver wholesaler resells a Lakewood property to an end buyer at $520,000 with a $40,000 assignment fee:
| Item | Amount |
|---|---|
| End-buyer purchase price | $520,000 |
| Wholesaler assignment fee | $40,000 |
| Down payment funded by Echo | $28,000 |
| Echo fee (2.5%) | $700 |
| Repaid to us from the assignment fee | $28,700 |
| Wholesaler net | $11,300 |
The end buyer brings far less cash; the assignment fee covers our funding plus fee at the table.
Pricing
Flat 2.5% of the funded amount. No application, origination, or upfront fees — collected through the closing statement.
What you’ll need
- Executed purchase contract
- Executed assignment contract showing your assignment fee
- Assignment fee at least equal to the funded down payment plus our 2.5%
- Title company ready to disburse seller proceeds with Echo repayment included
Colorado note: use a Front Range title company comfortable structuring the disbursement so our repayment comes off the top of your fee.
Apply
Submit your purchase and assignment contracts online. We verify the assignment fee covers the funded amount before approval. Standard turnaround ~48 hours.
Frequently Asked Questions
How does Echo repayment work at a Colorado title company? +
Colorado is a wet-funding, title-company closing state, so once documents are signed the title company disburses proceeds at the table — including repaying our Echo advance directly out of your assignment fee. There's no recording delay to wait through as there would be in a dry-funding state. We fund the end buyer's down payment, the deal closes through a single Front Range title office, and our advance plus the flat 2.5% comes back from your fee the same day.
When does Echo make sense in the Denver market? +
Echo fits Colorado deals with a solid assignment fee where your end buyer is short on the down payment. With Denver-metro single-family near $640,000, down payments can be sizable, and a sharp wholesaler often holds a fee large enough to cover both the funded down payment and our 2.5%. Front Range markets like Aurora, Lakewood and Colorado Springs see these regularly when an end buyer's cash is tied up elsewhere.
How fast can you fund an Echo deal in Colorado? +
About 48 hours from a complete file, faster for clean files. We need your purchase contract, the assignment contract showing your fee, and confirmation that title is ready to disburse. Because Colorado disburses at signing, an Echo advance funded ahead of a morning Front Range closing is repaid from your assignment fee that same business day.
Apply for Echo Funding in Colorado
Submit your application online — same-day decisions for complete files before 2 PM Eastern.