My transactional funder charged me 2,400 on a 14,200 spread and I thought that was the market rate until I shopped three others and the lowest came in at 900.

What's the funder charging that $900, flat fee or a percentage of the A-to-B purchase price?

Because that gap can mean two completely different pricing models, not just one cheaper vendor, and that matters a lot once your spreads start varying deal to deal.

The assumption doing the most work in your old arrangement was that transactional funding is a commodity priced the same everywhere. It is not. It is a short-duration, low-collateral loan from a private source, and pricing on those correlates more with the funder's cost of capital and appetite for volume than with anything about your deal. A clean single-residential title with a same-day turnaround in Maricopa should have been cheap to fund, and $900 reflects that better than $2,400 does.

The risk you did not mention is the other direction. The lowest quote is not automatically the right funder. What matters on a double close is whether the money is confirmed and seated before the A-to-B closing commences. A funder who quotes $900 but has a wire delay habit, or who requires documentation your title company flags at the last hour, costs you more than the $1,500 you recovered, because a failed first closing on a probate deal with a motivated seller can unwind the whole thing. Confirm funding timelines and proof-of-funds documentation requirements in writing before you commit to a cheaper source.

The structural move here is to maintain two or three funded relationships simultaneously, use them interchangeably based on deal size and timeline, and let them know you do that. Competitive awareness changes how they price repeat business.

One thing worth confirming with your title company: whether your current A-to-B and B-to-C sequence runs as a true double close or a simultaneous close, because the funding mechanics and the timing risk differ between the two. That distinction matters for how much runway you actually need between closings.

What documentation did the $900 funder require, and did your title company accept their proof of funds without issue?

That gap is real and 1,500 dollars on a 14,200 spread is a meaningful slice of your profit. Transactional funding, the short-term capital a wholesaler borrows to fund the first closing before the second one repays it, is priced by individual lenders with no standard rate. The market is wide and competitive, which means the first quote you get is rarely the best one.

A few things that move the price: the loan amount, the funding window (same-day versus overnight versus 48 hours), whether the title company is on the funder's approved list, and how much volume you bring. Some funders charge a flat fee, others charge a percentage of the purchase price, and the two structures can look similar on a small deal but diverge fast on a larger one. Shopping on both the fee structure and the dollar amount matters.

The habit piece is the thing worth naming. A funder you used once on deal three feels comfortable, and comfort costs money over time. The strategy guide for double closing points to transactional funding cost as a core variable in margin math, because unlike closing costs there is no county schedule to anchor it. That means it rewards the people who treat it like a recurring negotiation rather than a fixed line.

One thing worth knowing for next time: some funders offer better terms once you show a signed B-to-C contract, meaning your agreement with the end buyer, because their risk drops when the exit is already confirmed. If you are not already going to them with both contracts in hand, that is a place to start the conversation.

What does your current buyer list look like in terms of size? That changes how much leverage you have when you approach a funder asking for volume pricing.

The assumption worth testing is whether the $900 quote would have held on a more complicated title, because some flat-fee funders price the easy ones to win your business and then find reasons to add on when seasoning or lien issues appear at closing.

What did the $900 funder's agreement say about who absorbs the cost if the close slips to a second day?