EMD Funding in Colorado | Swift Deal Funding
How EMD Funding works in Colorado
EMD funding covers the earnest money deposit on your contract — typically $5,000 to $25,000 — so you can lock up a Colorado property without pulling cash out of your own working capital. We send the deposit directly to the title company holding the contract, usually within 24 hours of a complete application and title confirmation. The EMD must be refundable under the contract’s inspection or due-diligence terms.
Colorado’s Front Range is a fast, competitive market. Denver, Aurora, Colorado Springs, Lakewood and Fort Collins see brisk off-market activity, and with Denver-metro single-family near $640,000 sellers expect serious earnest money. A funded deposit lets you act quickly and credibly while keeping your cash free for marketing and acquisitions.
How EMD Funding closes in Colorado
Colorado is a wet-funding state and a title-company closing state, so the path is direct: we wire your deposit to a licensed Colorado title company that holds it in escrow under the contract terms. There’s no attorney-only closing requirement as you’d find in an attorney-closing state. Wholesaling is permitted statewide as long as you disclose your equitable interest; Colorado has no wholesaler-licensing statute. Confirm refundability and escrow handling with your title company before submitting.
Pricing
Two options on every EMD, regardless of state:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | Predictable cost (most popular) |
Example for Colorado: a $15,000 EMD under Option B costs $1,500 total, paid once, nothing at closing.
What you’ll need
- Fully executed purchase contract with refundable EMD language
- Title company contact information
- Written confirmation from title that the EMD is refundable per contract terms
- Borrower ID
No credit, income, or tax-return checks. Colorado note: confirm your contract’s inspection/objection deadlines leave the EMD refundable through your due-diligence window.
A typical Colorado EMD scenario
A Colorado Springs wholesaler finds an off-market 3/2 and needs to lock it up before another investor does. The seller wants a $12,000 earnest money deposit. We wire $12,000 to the title company within 24 hours, the contract goes hard, and the wholesaler markets the deal to end buyers — all without spending their own cash. Under Option B, the cost is a flat $1,200, and the refundable deposit protects them if due diligence kills the deal.
Apply
Submit your contract and title company contact online — under 10 minutes. Same-day wire is possible for complete files before 11 AM Eastern. We coordinate directly with your title company.
Frequently Asked Questions
How does EMD funding reach a Colorado title company? +
Colorado is a wet-funding, title-company closing state, so we send your earnest money deposit directly to the licensed title company holding the contract — typically within 24 hours of a complete application and title confirmation. The EMD must be refundable under the contract's inspection or due-diligence terms. With same title office handling your contract, the deposit lands in escrow fast so you can lock up Front Range deals without fronting cash.
Why do Colorado wholesalers use EMD funding? +
The Front Range is competitive — Denver, Aurora and Colorado Springs see fast-moving off-market deals, and sellers often want a meaningful earnest money deposit to take a contract seriously. EMD funding lets you put up a credible $5,000 to $25,000 deposit and compete with cash buyers without tying up working capital before you've lined up an end buyer or finished due diligence.
How fast can you fund a Colorado earnest money deposit? +
We send the EMD to your title company within about 24 hours of a complete application and written refundable confirmation. Same-day wires are possible for files submitted before 11 AM Eastern. The application takes under 10 minutes — you'll need the executed contract with refundable EMD language, your title company contact, and ID.
Apply for EMD Funding in Colorado
Submit your application online — same-day decisions for complete files before 2 PM Eastern.