Institutional Bridge Lending

Cash Closes Deals.
Speed Wins Markets.

We provide the cash to close. Your buyer gets the house. The seller gets certainty. Everyone walks away clean.

48hr
Preliminary Terms
Cash
All Purchases
15-45d
Hold Period
Flat Fee
No Interest Charges

The Deal Structure

One product. Two closings. Clean and fast.

1

Cash Purchase

We buy the property with cash on your buyer's behalf. No financing contingency. Seller gets certainty of close in days, not weeks.

2

Short Hold

We hold title for 15-45 days while the buyer's permanent mortgage closes. No interest charges during the hold. Flat fee only.

3

Title Transfer

Once the buyer's mortgage is ready, we transfer title. Second closing. Buyer owns the home. Done.

Everyone at the Table Is Protected

Every party in a COA deal has a clear role, a clear benefit, and a clear protection.

What's In It for the Buyer

Cash offer strength without having cash

Your offer comes in as all-cash. No financing contingency. Sellers take you seriously.

Close in days, not weeks

Stop losing to cash buyers. Match their speed. Win the house you actually want.

Flat fee. No interest.

One transparent fee based on purchase price. No interest charges during the hold period. Cheaper than losing your dream home.

How the Buyer Is Protected

Buyer Protections

  • You still use your own mortgage lender — nothing changes about your permanent financing
  • Property is secured for you from day one. No one else can buy it while your mortgage closes.
  • If your mortgage falls through, our interest is in the property — not in coming after you personally
  • Flat fee is known upfront before you commit. No surprise charges, no escalating interest
  • Title insurance on both closings protects your ownership

What's In It for the Seller

Cash offer. Certainty of close.

No financing contingency means no risk of the deal falling apart three weeks in. Cash is cash.

Close on your timeline

Need to close in 7 days? 14? We move at your speed. No waiting on a buyer's mortgage approval.

No cost to the seller

The COA fee is paid by the buyer, not the seller. You get full asking price (or above) with zero friction.

How the Seller Is Protected

Seller Protections

  • Cash in hand at closing. No financing contingency, no appraisal contingency risk.
  • Standard purchase and sale agreement — same closing process you're used to
  • Title company handles escrow. Funds are verified before you sign.
  • You choose the closing date. We accommodate your schedule.
  • If COA can't close, you keep your earnest money deposit — same as any other buyer

What's In It for the Broker

Win more deals for your clients

Turn every financed buyer into a cash buyer. Stop losing deals to all-cash offers from investors.

No cost to you or your brokerage

COA doesn't charge the broker. Your commission is the same. We make the deal happen faster — you close faster.

Competitive edge in your market

You can tell every listing agent: "my buyer's offer is cash, closing in days." That changes everything.

How the Broker Is Protected

Broker Protections

  • Your client relationship stays yours. We never contact your buyers directly without your involvement.
  • Transparent fee structure — you know exactly what your client pays before submitting
  • Your commission is unaffected. COA's fee is separate from your buyer-agent agreement.
  • Preliminary terms within 48 hours — no stringing your client along for weeks
  • You see every step of the process. Full visibility from submission to close.

What's In It for Title Companies

Two closings per deal. Guaranteed volume.

Every COA deal generates two title transactions: the initial cash purchase and the transfer closing. Double the closings, double the policies.

Repeat process, same entity

Same closing entity on every deal. Your team learns the COA process once and scales it. Predictable, repeatable workflow.

Fast turnaround, clean files

COA deals are straightforward: cash purchase, no financing conditions, no complex contingencies. Clean title work every time.

How Title Companies Are Protected

Title Protections

  • Standard double-close structure — well-established legal framework, nothing exotic
  • Both closings use title insurance. No gap in coverage.
  • Cash funding verified before Closing #1. No risk of unfunded transactions.
  • Short hold period (15-45 days) minimizes exposure between closings
  • We work with your existing processes. No special software or integration required.

What's In It for Investors

Short-duration, asset-backed returns

15-45 day hold periods. Every dollar is secured by real property in high-demand markets. Capital recycles rapidly.

Structural collateral protection

We only operate in seller's market enclaves — markets where persistent demand exceeds supply. The collateral dynamics protect your capital.

Proprietary deal scoring

Quantitative underwriting engine evaluates market dynamics, property fundamentals, deal structure, and buyer strength before capital is deployed.

How Investor Capital Is Protected

Investor Protections

  • Every deal is secured by real property. If the buyer's mortgage fails, we hold a tangible asset in a high-demand market.
  • Conservative LTV limits ensure a margin of safety on every deal
  • Short hold period (15-45 days) means capital is never locked up for months or years
  • Geographic diversification across multiple seller's market enclaves reduces concentration risk
  • Proprietary scoring rejects deals that don't meet underwriting thresholds — discipline is built into the process
  • End buyer has permanent financing in process before we purchase. This isn't speculative — there's a committed buyer on the other side.

Transparent Fee Structure

One flat fee based on purchase price. No interest charges during the hold period. No hidden costs.

Purchase Price
Fee
Example
Under $800K
2.75%
$500K home = $13,750
$800K – $2M
2.50%
$1.2M home = $30,000
Over $2M
2.25%
$2.5M home = $56,250

Where We Operate

Active in seller's market enclaves across the country. If there's persistent demand, limited inventory, and cash is the deciding factor — we want to see the deal.

New York Metro

Westchester, Long Island, NYC

Northern New Jersey

Bergen, Hudson, Essex

Greater Boston

Metro Boston, Cambridge, Suburbs

Pacific Northwest

Seattle Metro, Eastside

Triangle Region

Raleigh, Durham, Chapel Hill

Southern California

LA, San Diego, Orange County

DC Metro

Georgetown, Chevy Chase, Bethesda
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Your Market

Seller's market enclave? Talk to us.

Ready to Win Your Next Deal?

Submit a deal and receive preliminary terms within 48 hours. No commitment. No cost to submit.

Submit a Deal Contact Us