Stack Funding in Utah | Swift Deal Funding
Stack (Morby Method) Funding in Utah
Stack funding supplies the cash you need at the closing table on a creative-finance deal where a seller carry-back covers the buyer’s down payment, but title still requires real funds to close. Swift Deal Funding is a direct lender: we wire the cash for closing, and a recorded second-position note repays us plus a flat 2.5% — often the same day through escrow.
Utah’s Wasatch Front has drawn strong investor interest, including creative-finance activity. Stack deals here commonly fund $40,000 to $140,000 across Salt Lake City, Provo, and Ogden, with capacity up to $10 million per transaction. We never pull credit, verify income, or request tax returns.
How Stack funding closes in Utah
Utah closes through title and escrow companies — no attorney-closing requirement — and they record the seller-carry note directly. Here is the sequence:
- The deal is structured with a seller carry-back covering the down payment plus closing costs.
- We wire the cash needed at the table on closing day.
- The escrow company disburses the seller’s proceeds and records the seller-carry note in second position.
- That recorded second note repays our funded cash plus the flat 2.5%, typically same-day through escrow.
The seller carry-back has to be at least the down payment plus closing costs. Wasatch Front escrow offices handle high volume and are comfortable with creative-finance recordings.
Pricing
Flat 2.5% of the funded amount, collected through the closing statement. No upfront fee:
| Funded Amount | Fee | Example |
|---|---|---|
| $50,000 | 2.5% | $1,250 |
| $100,000 | 2.5% | $2,500 |
| $140,000 | 2.5% | $3,500 |
| Up to $10,000,000 | 2.5% | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- A seller carry-back at least equal to the required down payment plus closing costs
- A Utah title or escrow company prepared to record the seller-carry second note right after closing
- Written confirmation from escrow that the note will be recorded as agreed
No credit check, no income docs, no tax returns.
A typical Utah Stack scenario
A Salt Lake City investor structures a seller-finance purchase where the seller carries back $70,000, covering the down payment and closing costs. Title still needs $65,000 in real funds at the table. We wire the $65,000. The escrow company disburses, records the seller-carry note in second position, and that note repays us $65,000 plus the 2.5% fee ($1,625) the same day. The investor acquires the property with minimal cash out of pocket and a clean recorded second note in place.
Apply
Upload your purchase contract and seller-financing terms online. We coordinate directly with your escrow company on the carry-back recording. Standard turnaround is about 48 hours to wire-ready.
Frequently Asked Questions
Can a Utah escrow company record the Stack second-position note? +
Yes. Utah closes through title and escrow companies rather than attorneys, and recording a seller-carry note behind senior financing is standard for them. For Stack, the escrow company disburses the seller's proceeds, records the carry-back note in second position, and that note repays our funded cash plus the flat 2.5% — often same-day. Use an escrow office on the Wasatch Front comfortable with creative-finance and subject-to recordings.
Does Stack work for higher-priced Wasatch Front deals? +
Yes. Wasatch Front appreciation means down payments and carry-back amounts can be larger, but Stack scales — we fund up to $10 million per transaction at the same flat 2.5%. The requirement is unchanged: the seller carry-back must be at least the down payment plus closing costs, and title must be ready to record the second note. On a $300,000-plus Salt Lake or Provo seller-finance deal, that often means a larger funded amount, repaid the same way as a smaller one.
Stack or Echo for a Utah creative-finance deal? +
Stack is repaid by a recorded second-position note from the seller carry-back, so it fits seller-financing and subject-to structures. Echo is repaid from your assignment fee out of seller proceeds, so it fits straight assignments with a down-payment gap. The Wasatch Front sees both. If your Utah deal uses seller financing, Stack is the right tool; if it is an assignment, Echo is usually the simpler path.
Apply for Stack Funding in Utah
Submit your application online — same-day decisions for complete files before 2 PM Eastern.