Echo Funding in Florida | Swift Deal Funding
Echo Funding in Florida
Echo is transactional down-payment funding: we put up the cash an end buyer needs for their down payment at closing, repaid directly from the seller-side proceeds — almost always your assignment fee — the same day. It lets a Florida wholesaler get a cash-light end buyer to the table without touching your own capital. Echo advances here typically run $20,000 to $80,000, with capacity up to $10,000,000 per transaction, at a flat 2.5% fee.
Florida is the busiest wholesale market in the country. Miami, Tampa, Orlando and Jacksonville pull constant deal flow from local operators plus a steady stream of out-of-state and international buyers — and those non-local buyers are exactly the ones who sometimes need a down-payment bridge to close on time. With a statewide median around $404,000–$420,000, down payments can be substantial, which is when Echo keeps a deal from slipping.
How Echo Funding closes in Florida
Florida is a wet-funding state and a title-company closing state, both ideal for Echo. 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 hit in a dry-funding state.
A single Florida title company handles the closing and disbursement, and because investor volume is so high, finding a title shop in Miami, Tampa or Orlando that structures this routinely is easy. 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 Florida real estate attorney that your assignment fee will be disbursed with our Echo repayment included.
Echo example deal in Florida
An Orlando wholesaler resells a property to an out-of-state buyer at $360,000 with a $34,000 assignment fee:
| Item | Amount |
|---|---|
| End-buyer purchase price | $360,000 |
| Wholesaler assignment fee | $34,000 |
| Down payment funded by Echo | $24,000 |
| Echo fee (2.5%) | $600 |
| Repaid to us from the assignment fee | $24,600 |
| Wholesaler net | $9,400 |
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
Florida note: the investor-focused title companies in Miami, Tampa and Orlando handle Echo-style disbursements as routine work.
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 Florida title company? +
Florida is a wet-funding, title-company closing state, which makes Echo repayment fast and clean. The title company disburses proceeds at the table once documents are signed — including repaying our Echo advance directly out of your assignment fee. We fund the end buyer's down payment up front, the deal closes through a Florida title company, and our advance plus the flat 2.5% comes back from your fee the same day. Most investor-focused title shops in Miami, Tampa and Orlando handle this routinely.
When does Echo make sense in the Florida market? +
Echo fits Florida deals with a solid assignment fee where the end buyer is short on down-payment cash — a common situation given how much out-of-state and international buyer activity flows through Miami, Tampa, Orlando and Jacksonville. With a statewide median around $404,000 to $420,000, down payments can be meaningful, and a strong assignment fee usually covers both the funded gap and our 2.5%.
How fast can you fund an Echo deal in Florida? +
About 48 hours from a complete file, faster for clean ones. We need your purchase contract, the assignment contract showing your fee, and confirmation that title is ready to disburse. Because Florida title companies disburse at signing, an Echo advance funded ahead of a closing in Tampa or Orlando is repaid from your assignment fee that same business day.
Apply for Echo Funding in Florida
Submit your application online — same-day decisions for complete files before 2 PM Eastern.