Earnest Money Deposit Financing for Commercial Real Estate
Secure the deal without tying up your liquidity.
CREI helps qualified investors and sponsors obtain earnest money deposit financing for commercial real estate acquisitions. If possible, send us your unsigned PSA before signing so the proper EMD language can be coordinated from the start.
For qualified commercial real estate transactions requiring $25,000+ earnest money deposits.
Already Signed a PSA? Start Here
Before You Sign Your PSA, Contact CREI
The right earnest money financing structure begins before you sign.
If your commercial real estate acquisition requires an earnest money deposit of $25,000 or more, send CREI your unsigned Purchase and Sale Agreement (PSA) before either party signs.
This allows us to coordinate the necessary financing provisions, buyer-entity structure, and escrow requirements before the agreement is executed.
Three Simple Steps
1. Submit Your Unsigned PSA
2. CREI Coordinates the Required Structure
2. CREI Coordinates the Required Structure
Provide your negotiated, unsigned Purchase and Sale Agreement, proposed earnest money deposit amount, and anticipated deposit deadline.
2. CREI Coordinates the Required Structure
2. CREI Coordinates the Required Structure
2. CREI Coordinates the Required Structure
We review the transaction and coordinate the required PSA language, acquisition-entity provisions, and escrow arrangements with the funding source and appropriate legal counsel.
3. Finalize the Agreement & Arrange Funding
Preserve your liquidity. Protect your acquisition strategy. Move forward with confidence.
Preserve your liquidity. Protect your acquisition strategy. Move forward with confidence.
Once the structure is approved and the necessary terms are accepted by the parties, the PSA can be executed and earnest money funding arranged, subject to final approval.
Preserve your liquidity. Protect your acquisition strategy. Move forward with confidence.
Preserve your liquidity. Protect your acquisition strategy. Move forward with confidence.
Preserve your liquidity. Protect your acquisition strategy. Move forward with confidence.
Already signed your PSA? You may still have options. Request a transaction review before making further changes.
Already Signed Your Purchase and Sale Agreement?
Your Transaction May Still Warrant a Review.
If you've already signed your Purchase and Sale Agreement (PSA), contact CREI before making any changes or committing additional funds.
Earnest money deposit financing generally requires a specific acquisition structure established before the PSA is executed. An existing agreement may need to be amended or replaced to accommodate that structure.
Here's What Happens Next
1. Submit Your Executed PSA
2. CREI Reviews Your Options
2. CREI Reviews Your Options
Provide your signed agreement, including amendments, earnest money requirements, due diligence deadlines, and current escrow status.
2. CREI Reviews Your Options
2. CREI Reviews Your Options
2. CREI Reviews Your Options
We'll assess the transaction with our funding resources to determine whether an acceptable restructuring pathway exists.
3. Coordinate Any Required Changes
Already under contract? The sooner we review the agreement, the sooner we can determine your options
Already under contract? The sooner we review the agreement, the sooner we can determine your options
If the transaction is eligible, the parties and their legal counsel may need to coordinate a revised agreement, buyer-entity changes, and escrow arrangements before funding can proceed.
Already under contract? The sooner we review the agreement, the sooner we can determine your options
Already under contract? The sooner we review the agreement, the sooner we can determine your options
Already under contract? The sooner we review the agreement, the sooner we can determine your options
All transactions are subject to funding-source approval, contractual requirements, and any necessary seller or escrow-agent consent.
EMD Financing Requirements & How It Works
Secure Your Acquisition. Keep Your Capital Available.
Earnest Money Deposit (EMD) financing allows qualified real estate investors and developers to secure properties without tying up substantial amounts of their own capital during due diligence.
How the Financing Works
1. Transaction Review
Submit your unsigned PSA, deposit requirements, property information, and anticipated closing timeline.
2. Financing Approval
CREI coordinates the transaction review, required documentation, acquisition structure, and applicable financing fees.
3. Earnest Money Funding
Upon approval and completion of the required agreements, the EMD is transferred directly to the approved escrow account.
4. Closing or Deposit Return
At closing, the financed deposit is settled according to the approved agreements. If the acquisition is properly terminated while the deposit remains refundable, the funds are returned to the funding source under the applicable escrow instructions.
Your capital should remain available for opportunity; not unnecessarily restricted in escrow.
Funding availability, timing, fees, eligible properties, escrow arrangements, and transaction approval are subject to program requirements.
Basic Eligibility Requirements
- Minimum Deposit: $25,000.
- Eligible Properties: Multifamily, mixed-use, office, retail, industrial, and qualifying land or investment property acquisitions.
- Purchase Agreement: An unsigned, negotiated PSA is strongly preferred.
- Due Diligence: Generally, at least 30 days during which the earnest money deposit remains fully refundable.
- Escrow: Funds must be held by an approved title company or escrow agent under acceptable escrow instructions.
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