EMD Funding in Arkansas | Swift Deal Funding
EMD Funding in Arkansas
EMD funding puts up the earnest money for you, so you can tie up an Arkansas property before risking your own cash or finishing diligence. We get the deposit to the closing agent holding it, typically within a day of a complete file. Given the state’s affordable inventory, those deposits usually sit in the $2,000–$10,000 band.
In Arkansas the payoff is reach, not size. Cheap entry prices — plus the surge of activity in the Fayetteville–Bentonville–Rogers corridor — mean a busy wholesaler is juggling several contracts at once across 3.1 million residents. What caps you isn’t the dollar amount of any one deposit; it’s how many you can have out at the same time. Fund the deposits and that cap lifts, from Little Rock up to Fort Smith.
We lend directly — no credit check, no income, no tax returns. The deposit only needs to be refundable under the contract.
How EMD Funding works in Arkansas
Closings here go through licensed title companies and their closing agents, so the earnest money lives in the title company’s escrow account named on the contract rather than an attorney’s trust. We wire it straight to that agent once they confirm in writing it’s refundable, using the contact you give us.
Arkansas being a wet-funding state doesn’t change anything on the deposit side — earnest money is in escrow long before the closing date and simply credits to the buyer at settlement, with no recording question attached. The piece that makes a deposit fundable is the inspection contingency standard Arkansas contracts carry, which keeps it returnable during diligence. Sort out the wiring instructions and which company holds the funds with your closing agent before submitting.
Pricing
Two ways to pay on any EMD:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% (min $500) | 20% | High close-through rates |
| B | 10% (min $1,000) | 0% | Predictable per-deal cost (most popular) |
A $5,000 Arkansas deposit on Option B is $1,000 (the floor), paid once.
What you’ll need
- A signed purchase contract with refundable EMD language
- The Arkansas closing agent’s contact
- That agent’s written confirmation the deposit is refundable
- Borrower ID
No credit check, no income verification, no tax returns.
A typical Arkansas EMD scenario
A wholesaler turns up an off-market duplex in Fort Smith and wants it locked before a rival investor doubles back. The deal calls for a $6,000 earnest deposit in the title company’s escrow, refundable through a 10-day inspection. We get the agent’s confirmation and wire the $6,000 within 24 hours. On Option B the wholesaler is out $1,000 once — nothing at close — with their own cash still free for a pair of Northwest Arkansas contracts.
Apply
Send the contract and your closing agent’s contact — roughly ten minutes. In before 11 AM Eastern and complete? It can wire the same day. We handle the Arkansas closing agent for you.
Frequently Asked Questions
Who holds the earnest money on an Arkansas contract? +
The title company's closing agent, in the escrow account your contract names. Arkansas doesn't route deposits through an attorney's trust, so we wire the refundable deposit straight to that closing agent, usually within a day of receiving a complete file and the agent's written word that it's refundable. It then waits in escrow and credits to the buyer at closing. Just make sure the contract spells out which company is holding it and that you've got their wiring details.
How big are earnest deposits in Arkansas? +
Smaller than most states, because the price points are low — generally $2,000 to $10,000, even up in the faster Northwest Arkansas market. Option B (10% upfront, $1,000 floor, nothing at close) means a $5,000 Fayetteville deposit costs you $1,000 flat, though tiny deposits hit that $1,000 minimum. Prefer to split the cost? Option A is 5% upfront ($500 floor) plus 20% at close, which favors wholesalers who close most of what they tie up.
Will you fund a non-refundable deposit? +
No. The deposit has to be returnable to you under the contract's inspection or diligence terms, and the closing agent has to confirm that in writing. Standard Arkansas contracts include an inspection window that keeps the money refundable while you work the deal. If your Little Rock or Bentonville agreement strips out that contingency and locks the deposit in, it falls outside what we'll fund — keep the inspection period and you're covered.
Apply for EMD Funding in Arkansas
Submit your application online — same-day decisions for complete files before 2 PM Eastern.