Money before closing
A cash advance against your accepted offer. For funerals, deposits, attorneys, moving, and the things that cannot wait for the closing wire.
When the bills do not wait for escrow
A 14 to 30-day close is fast. Sometimes life moves faster. Here is how the advance fits.
A cash advance is an early disbursement of part of your sale proceeds, paid to you after we have an accepted offer and a signed purchase agreement, deducted from your wire at closing. It is not a loan. There is no interest, no credit check, no repayment if the closing happens as planned.
We started offering this around 2014 after watching sellers run into bridge problems we could solve. A daughter selling her late father's Oakland home needed $8,000 for the funeral two weeks before close. A senior moving into a Marin care facility needed the $12,000 deposit before move-in, but her home in Santa Rosa would not close for another three weeks. A Concord family in probate needed a $5,000 attorney retainer to push the court date forward. Each was a real situation a cash buyer in our position could solve at zero cost to ourselves.
The advance is documented as part of the purchase agreement, in writing, with the disbursement amount and timing spelled out. No verbal handshake, no Cash App. A licensed escrow officer handles the funds.
What sellers use the advance for
Four scenarios that come up often. The advance is not limited to these.
Funeral and end-of-life expenses
When the home you are selling came from a parent who just passed, the funeral bill often hits before probate releases any funds. We have advanced money against accepted offers many times in this exact situation.
Deposit on assisted living or memory care
Most Bay Area senior-living communities require a 30 to 90-day deposit and the first month up front. A cash advance against the sale of the home being vacated can bridge that gap so move-in is not delayed.
Attorney retainers for probate or divorce
Probate attorneys, divorce attorneys, and elder-law attorneys typically want a retainer up front. If your access to liquid funds is tied up in the home, an advance against the accepted offer can free that.
Moving costs, deposits, and bridge expenses
Movers, a deposit on a new place, two weeks at a hotel, kennel boarding while you transition, the new car you need because the old one finally died. The small bridge expenses that pile up before the closing wire arrives.
FAQ
Questions about cash advances
The most frequent ones.
It depends on the offer amount, the timeline to close, and the lien situation on the property. Typical advances range from $2,500 to $25,000. We have done larger in specific situations. The advance is documented as part of the purchase agreement.
No. It is an early disbursement of part of your sale proceeds, deducted from the wire at closing. There is no interest, no separate credit application, and no obligation to repay if the deal falls through for reasons covered by the purchase agreement.
Usually within 1 to 3 business days of the signed purchase agreement and the advance addendum. Faster in urgent situations, especially for funeral or medical needs.
If the deal falls apart because of something we missed (rare), the advance is forgiven. If you cancel within the inspection contingency, the advance is netted against the earnest money. We have unwound advances in good faith before. We do not chase sellers who could not close in good faith.
Yes. The advance is tied to our accepted offer on your home. It is not a service we offer to sellers who have a different cash buyer or who are listing traditionally.
What we’ve done. And what comes next
Numbers our team is proud of. Real reviews from Bay Area homeowners below. Pulled fresh from Google.
2,000+
Homes purchased
Across Northern California
17 yrs
In business
Family-owned since 2009
3–7 days
Typical close
Or whenever works for you
4.3★
Google rating
From 24+ reviews
Need to talk through whether an advance fits?
Tell us about the house. We’ll send a fair, no-obligation cash offer in 24 hours. And you can take it or leave it.
- A real local person picks up. Not a call center.
- We coordinate with attorneys, family, and probate.
- You pick the closing date.