We helped acquire $1.5B+ worth of propertiesSpecial offer for Developers: Earnest Money Deposit Financing for land acquisition
Earnest money deposit financing is a fast and flexible way to secure land or project sites.
Duckfund lets developers lock in deposits instantly without tying up working capital, so they can focus on due diligence, design, and getting projects off the ground
All you need to know
How Duckfund works in 2 minutes
How a developer unlocked frozen capital
See how Mitchell scaled his pipeline with no-collateral EMD financing.
Mitchell
The Developer Who Stopped Freezing His Capital
Mitchell is an active multifamily developer based in Florida, building across the Sun Belt states. His typical land acquisitions range from $3-5M, with earnest money deposits between $100K-$300K.
But there's a catch. Each new project requires capital to sit in escrow for 6-12 months during due diligence, tying up funds that could otherwise cover soft costs, entitlements, design, or other predevelopment work. For an active developer managing multiple sites, this can quickly turn into a liquidity trap.
His options?
Banks won't finance deposits without collateral. LPs come in only after permits are secured. Hard money lenders charge high fees and move slowly. As a result, Mitchell's growth and pipeline were limited by frozen capital.
Then Mitchell found Duckfund. With no-collateral, fully refundable EMD financing, 24-hour approval, and funding within 48 hours, he no longer locks up his capital in escrow. Mitchell can now secure multiple land sites simultaneously, keeping his cash available for predevelopment and permitting costs.
Now, Mitchell's active pipeline has doubled, as he can pursue 3-4 land deals at once, while Duckfund finances $300K-$1M of EMDs to secure them through the due diligence period. Mitchell's portfolio grows faster. His balance sheet stays flexible and capital keeps working.
Be smart. Be like Mitchell.
Reduced interest rates on EMD financing
At Duckfund, we understand the challenges developers face in the competitive real estate market. That's why we're excited to offer a special financing solution just for you.
- 1-3 Months: Standart Rate
- 4+ Months: Discounted Rate
Starting from the 4th month of the due diligence period, enjoy a reduced interest rate on Earnest Money Deposit (EMD) Financing. We believe in supporting your growth and success.
Why real estate developers choose Duckfund
Duckfund helped acquire $1.5B+ worth of commercial real estate because we know what it takes to secure the best deals ahead of rivals. No waiting weeks. No collateral. Just fast, affordable fully digital funding – with a human touch.
People First
Real support from real experts, not the cold service of big banks – plus AI-powered insights 24/7.
No Collateral
Our structure allows us to provide financing without requiring collateral - no need to pledge your assets to fund an EMD.
Lightning Fast
Apply in under 5 minutes. Approval in 24 hours. Get more liquidity in under 48 hours.
Total Flexibility
No limits on EMD amounts or number of deals per user. Extensions available anytime, with no cancellation fees.
How it works
- Apply
Submit your application with the required documents
Step 1
- Quick approval
We review and approve your deal within 24 hours
Step 2
- Fund transfer
We transfer the EMD to the escrow account of the Title Company
Step 3
- Enjoy reduced rates
From the 4th month, benefit from our lower interest rate, designed to ease your financial load
Step 4
What customers say about Duckfund
Love you guys!! Thanks for another deal
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!
How to get started with Duckfund
Duckfund keeps entry requirements light, so your application is quick, and approval comes fast.
- Property type: We fund all CRE categories, including multifamily, industrial, retail, and land.
- Coverage: Available across the U.S. (except CA, HI, UT, VT, and KS).
- PSA status: The purchase and sales agreement should not be signed.
- Minimum deposit: $25,000 earnest money deposit or more.
- Minimum term: At least 15 days before the deposit becomes non-refundable.
- Escrow: Funds are refundable and safely held in a sole-order escrow account for your benefit.
Why choose Duckfund for EMD financing?
Simple application, 48-hour funding, and no collateral required.
- Simple application: Share a few basic details to get started.
- Fast approval: Get approved within 24 hours and funded within 48 hours.
- $1.5B+ track record: Partner with a platform trusted to secure billions in commercial acquisitions.
- No collateral: We don't require collateral to finance your EMD.
- Manage multiple deals: Handle several transactions simultaneously without tying up your capital.
- Secure larger EMDs: Increase your deposit size to strengthen offers and secure deals faster, with 24/7 AI chat support for instant assistance.
Ready to win more CRE deals with EMD financing?
Frequently asked questions
Duckfund is a simple and fully digital experience with soft deposit financing.
For your convenience, here are answers to questions you may have.
What is Duckfund?
What is a soft deposit?
What are the requirements to finance an EMD with Duckfund?