We fund the emd.
you close the deal.

We fund the emd.
you close deal.

We fund the emd.
you close the deal.

Offer Ready Capital provides end-to-end soft EMD financing — bridging accepted offers to funded contracts so you can pursue more deals, on better terms, without deploying a dollar of your own money. Built for serious wholesalers and real estate investors who refuse to lose deals on liquidity.

Offer Ready Capital provides end-to-end soft EMD financing — bridging accepted offers to funded contracts so you can pursue more deals, on better terms, without deploying a dollar of your own money. Built for serious wholesalers and real estate investors who refuse to lose deals on liquidity.

Offer Ready Capital provides end-to-end soft EMD financing — bridging accepted offers to funded contracts so you can pursue more deals, on better terms, without deploying a dollar of your own money. Built for serious wholesalers and real estate investors who refuse to lose deals on liquidity.

Have questions? Email us

Have questions? Email us

19

States Served

100%

EMD Funding

24-hour

Funding Time

19

States Served

100%

EMD Funding

24-hour

Funding Time

Why Choose Us

Stronger Offers.
Smarter Capital.

Stronger Offers.
Smarter Capital.

Stronger Offers.
Smarter Capital.

Soft EMD financing built for serious operators.

Full EMD Coverage

Full EMD Coverage

We fund 100% of the soft deposit on qualified, business-purpose investment properties.

Same-Day Underwriting

Same-Day Underwriting

Same-Day Underwriting

Make your offer with confidence. Our process is built for speed, taking minutes, not weeks.

Make your offer with confidence. Our process is built for speed, taking minutes, not weeks.

Make your offer with confidence. Our process is built for speed, taking minutes, not weeks.

Independent Escrow Custody

Independent Escrow Custody

All capital is held with a licensed third-party escrow partner, separate from Offer Ready Capital.

Our Process

How Offer Ready Capital Works

How Offer Ready Capital Works

How Offer Ready Capital Works

You focus on negotiating great deals while we ensure your earnest money shows up on time through a transparent, 24/7 funding experience.

01

Apply

Complete our short online application. Once submitted, you'll receive a confirmation email, and we’ll send payment instructions to process your application fee. This fee covers deal review, underwriting, and LLC formation—and is fully refundable if your deal is not approved for EMD funding.

Apply

Pay Application Fee

24-Hour Review

Refundable if not approved

02

Get Approved

Once your deal is approved, we’ll issue a term sheet. After signing the term sheet and loan documents, you’ll submit your EMD fee—based on the total deposit amount—either the day before or the same day your EMD is scheduled to be funded.

Term Sheet Issued

Loan Documents Signed

Pay EMD Fee

03

We Fund 100%

We fund 100% of your earnest money deposit directly to a licensed third-party escrow partner. Your deposit stays soft throughout the due diligence period — fully refundable, never at risk.

100% EMD Funded

Escrow Letter Issued

Always Soft

Eligibility

Built for Professional Operators

Built for Professional Operators

Built for investors who need to move faster, offer stronger, and keep their capital deployed where it matters — renovations, acquisitions, and the next deal.

Investors & Developers

Built for those managing business-purpose properties, from single-family rentals to large commercial assets.

Investors & Developers

Built for those managing business-purpose properties, from single-family rentals to large commercial assets.

Investors & Developers

Built for those managing business-purpose properties, from single-family rentals to large commercial assets.

Wholesalers & Operators

Perfect for operators with a solid exit plan who need to keep cash liquid during the due diligence period.

Wholesalers & Operators

Perfect for operators with a solid exit plan who need to keep cash liquid during the due diligence period.

Wholesalers & Operators

Perfect for operators with a solid exit plan who need to keep cash liquid during the due diligence period.

Investment Deals Only

Strictly for non-owner-occupied, business-purpose transactions. No primary residences or consumer financing.

Investment Deals Only

Strictly for non-owner-occupied, business-purpose transactions. No primary residences or consumer financing.

Investment Deals Only

Strictly for non-owner-occupied, business-purpose transactions. No primary residences or consumer financing.

Trusted Title Partner

All EMD-funded transactions are required to use our designated title and escrow partner. Title Policies are issued through Fidelity National Title, First American Title, Old Republic Title, and Stewart Title.

Trusted Title Partner

All EMD-funded transactions are required to use our designated title and escrow partner. Title Policies are issued through Fidelity National Title, First American Title, Old Republic Title, and Stewart Title.

Trusted Title Partner

All EMD-funded transactions are required to use our designated title and escrow partner. Title Policies are issued through Fidelity National Title, First American Title, Old Republic Title, and Stewart Title.

Un-executed PSA

We review the purchase agreement before execution. A signed PSA is generally not eligible for funding.

Un-executed PSA

We review the purchase agreement before execution. A signed PSA is generally not eligible for funding.

Un-executed PSA

We review the purchase agreement before execution. A signed PSA is generally not eligible for funding.

Exit Strategy

Submit a brief explanation letter outlining your exit - assignment, double close, or end-buyer in place.

Exit Strategy

Submit a brief explanation letter outlining your exit - assignment, double close, or end-buyer in place.

Exit Strategy

Submit a brief explanation letter outlining your exit - assignment, double close, or end-buyer in place.

Pricing

Simple Pricing. Two Fees. No Surprises.

Simple Pricing. Two Fees. No Surprises.

Everything is disclosed upfront before you commit to anything. We provide 100% of the deposit so you can keep your capital liquid.

Tier 1

Under

$25K

App Fee: $1,500 (Paid at Submission)

EMD Fee Rate: 10% (Paid Upon Approval)

Common Property Types:

SFR, Fix-and-flip, Residential

Tier 2

Up to

$25K - $100K

App Fee: $2,500 (Paid at Submission)

EMD Fee Rate: 10% (Paid Upon Approval)

Common Property Types:

Small multifamily, Mid commercial

Tier 3

Up to

$100K - $300K

App Fee: $3,500 (Paid at Submission)

EMD Fee Rate: 8% (Paid Upon Approval)

Common Property Types:

Large multifamily, Retail, Industrial

Tier 4

Over

$300K

App Fee: $5,000 (Paid at Submission)

EMD Fee Rate: 6% (Paid Upon Approval)

Common Property Types:

Institutional, Major commercial 

Example & Disclaimer:

Example & Disclaimer:

* Tier 1: On a $20,000 EMD, you pay a $1,500 App Fee + $2,000 (10%) EMD Fee. Total = $3,500

* Tier 1: On a $20,000 EMD, you pay a $1,500 App Fee + $2,000 (10%) EMD Fee. Total = $3,500

* Tier 1: On a $20,000 EMD, you pay a $1,500 App Fee + $2,000 (10%) EMD Fee. Total = $3,500

* Tier 4: On a $500,000 EMD, you pay a $5,000 App Fee + $30,000 (6%) EMD Fee. Total = $35,000

* Tier 4: On a $500,000 EMD, you pay a $5,000 App Fee + $30,000 (6%) EMD Fee. Total = $35,000

* Tier 4: On a $500,000 EMD, you pay a $5,000 App Fee + $30,000 (6%) EMD Fee. Total = $35,000

* The fees listed represent ORC fees only. A separate preliminary title fee will be charged by our trusted title partner at the time escrow is opened.

* The fees listed represent ORC fees only. A separate preliminary title fee will be charged by our trusted title partner at the time escrow is opened.

* The fees listed represent ORC fees only. A separate preliminary title fee will be charged by our trusted title partner at the time escrow is opened.

Calculate Custom Deal

Calculate Custom Deal

Calculate Custom Deal

Interactive Estimator

Know Your Costs in Seconds

Know Your Costs in Seconds

Enter your requested Earnest Money Deposit amount below to see your exact fee breakdown. We provide 100% of the funding so you can keep your capital liquid for other opportunities.

Enter your required EMD funding amount

$
$5,000$325,000

Estimated Total Fees

$0
Keep $0 of your capital liquid for other deals
Apply for EMD Funding

Fee Details ()

Application Fee
$0
EMD Funding Fee
$0

* Fees reflect ORC charges only. Title and escrow fees are separate charges from our partner.

* We fund earnest money deposits ranging from $5,000 to $325,000. Higher funding amounts are available on a case-by-case basis.

Safety & Control

WHY OUR DEPOSITS ARE ALWAYS SOFT

WHY OUR DEPOSITS ARE ALWAYS SOFT

Once we fund your EMD, you enter the due diligence period. Because our deposits are "Always Soft," you are covered no matter which path the deal takes.

Success Milestone

Move Forward & Close

The deal moves forward successfully. At closing, our title partner applies the EMD toward the purchase price and repays Offer Ready Capital directly from the closing proceeds.

Protection Milestone

Safe Deal Exit

If you discover a deal-breaker and decide not to proceed, the soft deposit is returned from escrow to ORC. You are not liable for the deposit principal.

Flexibility Milestone

Need More Time?

If your deadline is approaching, submit an extension request to ORC. If approved, we sign the extension so the funds stay in place and remain fully refundable. 

Success Milestone

Move Forward & Close

The deal moves forward successfully. At closing, our title partner applies the EMD toward the purchase price and repays Offer Ready Capital directly from the closing proceeds.

Protection Milestone

Safe Deal Exit

If you discover a deal-breaker and decide not to proceed, the soft deposit is returned from escrow to ORC. You are not liable for the deposit principal.

Flexibility Milestone

Need More Time?

If your deadline is approaching, submit an extension request to ORC. If approved, we sign the extension so the funds stay in place and remain fully refundable. 

Support

Frequently asked questions

Frequently asked questions

What exactly is a "soft deposit"?

A soft deposit is fully refundable to the buyer during the due diligence (DD) period. Unlike a hard deposit, it gives you the full inspection window to decide whether to proceed without putting capital at risk.

Who actually pays the EMD?

Offer Ready Capital funds 100% of the Earnest Money Deposit directly into escrow. You don’t need to wire any portion of the deposit yourself—you’re only responsible for the application fee, EMD fee, and any applicable title fees.

Is the deposit refundable if my deal falls through?

Yes—provided you exit the deal before the due diligence period expires. Since we only fund soft deposits, the full amount will be returned from escrow to ORC if you withdraw within that timeframe.

What does "replacing ORC funds" mean?

It means that before your deadline, you need to either close the transaction, exit the deal, and return the funds, or obtain an approved due-diligence period extension from the seller.

How fast can you fund?

We aim to fund your EMD within 24 hours of your application being complete and all required documents signed.

What states do you cover?

We fund in 19 states including NY, NJ, PA, IL, FL, GA, IN, MO, MI, RI, TN, SC, LA, AL, AZ, VA, WV, MD, and KY. We evaluate other states on a case-by-case basis but do not fund in CA, HI, UT, VT, or KS.

Do I need to use your title partner?

Yes. Every deal we fund is required to close through our trusted title and escrow partner. Their policies are underwritten by leading title insurance companies, including Fidelity National Title, First American Title, Old Republic Title, and Stewart Title.

What exactly is a "soft deposit"?

A soft deposit is fully refundable to the buyer during the due diligence (DD) period. Unlike a hard deposit, it gives you the full inspection window to decide whether to proceed without putting capital at risk.

Who actually pays the EMD?

Offer Ready Capital funds 100% of the Earnest Money Deposit directly into escrow. You don’t need to wire any portion of the deposit yourself—you’re only responsible for the application fee, EMD fee, and any applicable title fees.

Is the deposit refundable if my deal falls through?

Yes—provided you exit the deal before the due diligence period expires. Since we only fund soft deposits, the full amount will be returned from escrow to ORC if you withdraw within that timeframe.

What does "replacing ORC funds" mean?

It means that before your deadline, you need to either close the transaction, exit the deal, and return the funds, or obtain an approved due-diligence period extension from the seller.

How fast can you fund?

We aim to fund your EMD within 24 hours of your application being complete and all required documents signed.

What states do you cover?

We fund in 19 states including NY, NJ, PA, IL, FL, GA, IN, MO, MI, RI, TN, SC, LA, AL, AZ, VA, WV, MD, and KY. We evaluate other states on a case-by-case basis but do not fund in CA, HI, UT, VT, or KS.

Do I need to use your title partner?

Yes. Every deal we fund is required to close through our trusted title and escrow partner. Their policies are underwritten by leading title insurance companies, including Fidelity National Title, First American Title, Old Republic Title, and Stewart Title.

Get Started

Ready to Make Your Offer Real?

Ready to Make Your Offer Real?

Complete the application below. After submission, a member of our team will reach out within one hour with full details and payment instructions for your selected tier.