No Money Down · 100% Financed Deposits

Put commercial real estate under contract with no money down. We finance 100% of your earnest money deposit.

$0
of your cash in the deposit · funded in 48 hours
Program Profile

100% of the deposit, financed

The earnest money deposit is the cash that wins the deal — and it sits idle in escrow for weeks. We fund it for you, so your capital stays free for diligence, soft costs and your next offer.

You put down
$0 — 100% of the earnest money deposit is financed
Deposit size
$25,000 to $20 million per deal
Term
30 days minimum, matched to due diligence and closing
Deposit type
Refundable (soft) earnest money deposits
Collateral
None — no personal assets pledged
Speed
Reviewed within 24 hours; funded within 48 hours
Use
Investment property acquisitions

No money down applies to the earnest money deposit. The purchase is closed with acquisition, bridge or permanent financing — which HJ Bennett can arrange — and that financing repays the deposit.

Who It’s For

Win more deals without parking cash in escrow

Investors

Make stronger offers on several deals at once without parking cash in escrow.

Developers

Fund deposits through long due diligence and keep your capital for soft costs.

Syndicators

Get control under a purchase agreement before you raise from LPs or co-GPs.

Growing sponsors

Step up to larger deals with larger deposit requirements.

How It Works

From application to under contract in 48 hours

01
Apply in about two minutes
Deposit amount, term, the property and your contact details. Attach a draft purchase and sale agreement if you have one.
02
Review within 24 hours
We review the deal and come back with a quote for your deposit and term.
03
Funded within 48 hours
The deposit goes into escrow and the property is under contract — with none of your cash in it.
04
Close with financing
Close the purchase with acquisition, bridge or permanent financing, which repays the deposit financing.
Property Types

Every major commercial asset class

Multifamily · Triple net (NNN) · Office · Retail · Industrial · Data center · Hospitality · Mixed-use · Healthcare · Self-storage · Parking · Land · Short-term rental · Residential rental

FAQ

No money down questions

Is this really no money down?

On the deposit, yes. We finance 100% of your earnest money deposit, so you can put a property under contract without tying up your own cash. The purchase itself is closed with your permanent, bridge or acquisition financing, which we can also arrange.

What is a soft deposit?

A refundable earnest money deposit: if you walk away during due diligence under the terms of your purchase agreement, the deposit comes back. The program finances refundable deposits only.

How much can I finance?

Deposits from $25,000 up to $20 million, on any investment property type we cover. Each deal is quoted on its own, so you can submit several at once.

Do I need to pledge collateral?

No. Deposit financing does not require you to pledge personal assets.

How long can the deposit be outstanding?

A minimum of 30 days, matched to your due diligence and closing timeline.

What does it cost?

The fee is quoted per deal and depends on the deposit amount and the term. You receive a quote after a short review, before anything is committed.

How fast is it?

Applying takes about two minutes. Requests are typically reviewed within 24 hours and the deposit can be funded within 48 hours.

How is it repaid?

At closing, from your purchase financing. If you terminate during due diligence, the refundable deposit is returned under the purchase agreement.

Ready to make an offer with no money down?

Tell us the deposit, the term and the property. Applying takes about two minutes, and you can submit several deals at once.

Financing covers refundable earnest money deposits on investment property only. Fees are quoted per deal. All requests are subject to review and approval; this is not a commitment to lend.