Echo Funding in Georgia | Swift Deal Funding
Echo Funding in Georgia
Echo is transactional down-payment funding: we advance the cash an end buyer needs for their down payment at closing, repaid directly from the seller-side proceeds — typically your assignment fee — the same day. It lets a Georgia wholesaler bring a cash-light end buyer to the table without using your own capital. Echo advances here usually run $20,000 to $80,000, with capacity up to $10,000,000 per transaction, at a flat 2.5% fee.
Atlanta drives Georgia’s enormous wholesale volume — a top-three market nationally, with deal flow across Fulton, DeKalb, Gwinnett, Cobb and Clayton counties, plus steady activity in Augusta, Columbus, Savannah and Macon. With a statewide median around $360,000 and metro Atlanta in the $390,000–$425,000 range, down payments are meaningful, and Echo lets you save a deal when a buyer’s cash is temporarily short.
How Echo Funding closes in Georgia
Georgia is a wet-funding state and an attorney-closing state. Wet funding means proceeds disburse at signing rather than after recording, so our advance and the flat 2.5% are repaid from your assignment fee the same day. The closing must be conducted by a licensed Georgia attorney — a title company cannot close the table here, which is the key closing fact for Atlanta wholesalers.
The attorney disburses from escrow, so the repayment is clean: your fee comes in, our advance plus fee comes off the top. Wholesaling is permitted statewide if you disclose your equitable interest; there’s no wholesaler-licensing statute. Confirm with your Georgia closing attorney that the disbursement will include our Echo repayment.
Echo example deal in Georgia
An Atlanta wholesaler resells a home in Marietta (Cobb County) to an end buyer at $340,000 with a $30,000 assignment fee:
| Item | Amount |
|---|---|
| End-buyer purchase price | $340,000 |
| Wholesaler assignment fee | $30,000 |
| Down payment funded by Echo | $21,000 |
| Echo fee (2.5%) | $525 |
| Repaid to us from the assignment fee | $21,525 |
| Wholesaler net | $8,475 |
The end buyer brings less cash; the assignment fee covers our funding plus fee at closing.
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%
- Closing attorney ready to disburse proceeds with Echo repayment included
Georgia note: Atlanta has many real estate attorneys who close investor deals — pick one who handles Echo-style disbursements.
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 with a Georgia attorney closing? +
Georgia is an attorney-closing, wet-funding state, so a licensed Georgia attorney must conduct the closing — a title company cannot close the table on its own. The attorney disburses from escrow once documents are signed, repaying our Echo advance directly out of your assignment fee. We fund the end buyer's down payment, the deal closes, and our advance plus the flat 2.5% comes back from your fee the same day. Confirm the disbursement structure with your Georgia closing attorney.
When does Echo make sense in the Atlanta market? +
Echo fits Georgia deals with a solid assignment fee where the end buyer is short on down-payment cash. Atlanta is a top-three US wholesale market, so the volume of assignable deals is huge across Fulton, DeKalb, Gwinnett, Cobb and Clayton counties. With a statewide median around $360,000 and metro Atlanta near $390,000 to $425,000, a strong assignment fee usually covers both the funded down payment and our 2.5%.
How fast can you fund an Echo deal in Georgia? +
About 48 hours from a complete file. We need your purchase contract, the assignment contract showing your fee, and confirmation the closing attorney is ready to disburse. Because the Georgia attorney disburses from escrow at signing, an Echo advance funded ahead of an Atlanta closing is repaid from your assignment fee the same business day — just line up the attorney's timing in advance.
Apply for Echo Funding in Georgia
Submit your application online — same-day decisions for complete files before 2 PM Eastern.