Duckfund is an Earnest Money Deposit (EMD) financing company based in New York. We help real estate investors and developers secure deals by funding fully refundable EMDs without requiring collateral or tying up their capital. Launched in 2023, Duckfund raised a $100M credit facility in 2024 to support EMD financing up to $3 million per deal.

What is a soft deposit?

A soft deposit, also known as an earnest money deposit or good faith deposit, ranges from 1% to 10% of a property’s purchase price that sellers can demand as a sign of commitment. It is not a downpayment and is typically fully refundable until the hard commitment phase.

What are the requirements to finance an EMD with Duckfund?

Duckfund has a simple set of eligibility requirements for funding Earnest Money Deposits: Property type: Commercial and residential real estate are both eligible as long as they are purchased for commercial and not personal use Location: We fund deals in all U.S. states except California, Hawaii, Kansas or Vermont EMD amount: $25,000 - $3,000,000 EMD term: Minimum of 30 days EMD status: Must be fully refundable and held by a third-party escrow agent under a sole order escrow structure for the benefit of the buyer PSA is negotiated between a seller and a buyer but has not yet been signed We will request the client to work with one of the top 10 US title companies or our partner title company.

We helped acquire $1.5B+ worth of properties

Soft Deposit Financing for Commercial Real Estate

Secure Your Next Commercial Real Estate Deal Faster with Affordable Earnest Money Deposit Financing

EMD financing is a short-term solution for refundable real estate deposits. Duckfund wires the funds directly to escrow within 48 hours of PSA execution, with rates starting at 2.3% per month.

A soft deposit is a refundable payment that a property buyer pays to a seller as a sign of commitment

This is also known as an “earnest money deposit” or “good faith deposit.”
Earnest money deposit financing provides the funds needed to secure a commercial real estate property.
Duckfund makes it easy and fast, financing deposits from $25,000 to $3,000,000+ and increasing your chances of a successful deal.

Our CRE financing products

EMD financing for CRE investors

Expand your portfolio confidently — get fast EMD funding to strengthen offers and stay competitive.

EMD financing for developers

Access quick capital, secure better terms, and move multiple projects forward with Duckfund's EMD financing.

All you need to know

How Duckfund works in 2 minutes

Custom Quote

Get a Fee Estimate for Your Deal

Share a few details about your deal and receive a personalized fee estimate straight to your inbox.

Tailored to your EMD amount and financing term
No further commitment required
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Working on multiple deals? Request a separate quote for each transaction.

Not sure if you have a promo code? Ask the partner who referred you.

Typical Fee Structure

One-time setup fee: Starting at $1,700.

Deposit fee: Ranging from 2.3% to 3% per month.

Example:

EMD Amount	Due Diligence Period	One-Time Setup Fee	Deposit Fee (3%)	Total Financing Cost
$25,000	30 days	$1,700	$750	$2,450

*From the 4th month, benefit from our lower interest rate, designed to ease your financial load

Win the deal with a higher depositStand out from the competition by offering a larger deposit. We help you strengthen your offer and increase your chances of securing the property.

No collateral requiredForget about providing assets as security. Our process ensures you get the funding you need without tying up your personal property.

Get your deposit paid in 48hNo more waiting for lengthy bank approvals. Get your deal approved within 24 hours of applying and your deposit wired to escrow within 48 hours of PSA execution.

Work on multiple dealsDon't limit yourself to a single deal. We accept several applications at once increasing your chances for a successful purchase.

3 simple steps to book your property

Step 1 · 2 minutesFill simple form to apply for soft deposit

Step 2 · 24 hoursWe review and approve your application

Step 3 · 48 hours Deposit is paid, your property is booked

Soft deposit financing requirements

Fully refundable deposits starting at $25k
Minimum term is 30 days
All asset classes for investment purposes in all U.S. states except CA, HI, VT, and KS.
Escrow held by approved national title companies

Duckfund has minimal entry requirements to make the application process swift and the financing decision guaranteed

Commercial Real Estate at Every Scale

From multifamily and office buildings to retail and industrial spaces, we specialize in all types of CRE investments.

Multifamily
Triple Net Properties
Office Buildings
Retail Spaces
Industrial Properties
Data Centers
Hospitality
Mixed-use
Healthcare Facilities
Self-Storage Facilities
Parking Facilities
Land acquisition
Airbnb
Residential rentals

Use cases

Duckfund empowers commercial real estate investors to move faster, compete stronger, and close more deals - without freezing capital in escrow accounts.

Active CRE Investors
Sponsors working on multiple deals simultaneously. Duckfund helps them submit stronger offers and stay liquid across opportunities.
Developers
Development companies acquiring land with long due diligence timelines. Our EMD funding keeps capital free for soft costs during predevelopment stage.
Growing Investors
Sponsors scaling into larger transactions with higher EMD requirements. Duckfund enables them to compete with institutional-level offers.
Wholesalers
First-time buyers or investors entering the market and needing support with flexible and secure deposit options.
Syndicators
Syndicators raising capital from LPs or co-GPs. With Duckfund, they can secure control under PSA and start fundraising early.

What customers say about Duckfund

Love you guys!! Thanks for another deal

Austin DeraafChief Executive Officer of Raven 3 Home Buyers LLC

Samuel Weiner & the Langdon Title team referred DuckFund to one of their trusted clients to provide a soft deposit for their purchase. DuckFund was excellent to communicate with and both Langdon & the client had a great experience working with them. We highly suggest using them for all your deposit needs!

Samuel WeinerLangdon Title Vice President, Business Development