THE EMD PROGRAM PROCESS
Simple. Fast.
Reliable.
Four steps to the EMD Program — from deal submission to funded EMD — designed for deal-makers who move fast and can't afford delays.
4 Steps
From inquiry to funded
Step by Step
From inquiry to funded EMD —
here's exactly what happens.
Contact Earnest Bridge
Reach out to EarnestBridge once you have a signed Letter of Intent. This is the starting point — no application needed until you have an LOI in hand.
- ✓Signed Letter of Intent required
- ✓Property address and asset type
- ✓Purchase price and required EMD amount
- ✓Target dates for signing PSA and funding EMD
Complete Application & EMD Approval
Complete our EMD Program application and receive approval while you negotiate the Purchase and Sale Agreement. We work in parallel with your deal timeline so nothing slows you down.
- ✓Submit EMD Program application
- ✓Approval issued during PSA negotiation
- ✓No personal credit check required
- ✓Decision communicated via email + phone
We Fund Your EMD
Once the Purchase and Sale Agreement is signed, we wire your EMD directly to an approved title company. Your capital stays free while your deal is locked in.
- ✓PSA must be fully executed
- ✓Wire sent to approved title companies only
- ✓Wire confirmation provided
- ✓Deal secured — your capital preserved
Exercise Your EMD Option
You exercise the EMD Option prior to the expiration of the Due Diligence Period or the EMD going hard under the PSA. We only fund soft deposits and maintain the right to terminate the Purchase and Sale Agreement prior to the EMD going hard.
- ✓Exercise option at least 2 days before Due Diligence Period expires
- ✓We only fund soft deposits and exit before EMD is hard
- ✓The option period expires 2 days prior to expiration of Due Diligence Period
- ✓If not exercised, the PSA terminates and EMD returns to Earnest Bridge.
- ✓Day-for-day option extensions available with due diligence extensions.
Who Qualifies
Eligibility criteria —
straightforward and deal-focused.
Commercial Property
Multifamily, office, industrial, retail, mixed-use, or hospitality.
30+ Day Closing Timeline
Deals with at least 30 days to close. Expedited review available for shorter timelines.
Executed PSA
A signed purchase and sale agreement .
US-Based Deals
We fund earnest money deposits for commercial real estate deals anywhere in the United States.
Any Investor Type
Syndicators, funds, family offices, operators, and individual investors all qualify — we evaluate the deal, not the entity type.
Clear Deal Structure
Deals must have a defined acquisition price, identified financing source, and a credible path to close.
FAQ
Common questions
We fund EMDs for multifamily, office, industrial, retail, mixed-use, and hospitality deals across the US.
No, a personal guarantee is not required. We evaluate the deal structure, property, and market — your personal assets are not at risk.
No, there is no repayment obligation of the EMD if you choose to not exercise the option, provided however, in the event of a default of any of the agreements with Earnest Bridge you have indemnification obligations.
We charge two fees (1) a flat Administrative Fee of $2,500 and (2) a Deal Fee based on the EMD amount and the duration of the funding period. Fees are disclosed upfront in the funding agreement with no hidden charges.
Repayment of the EMD plus our fee is due at closing. If the deal falls through and the EMD is returned, repayment is due when the funds are released from escrow.
Expedited funding is available in select cases. Contact us directly via email at deals@earnestbridge.com to discuss rush requests.
Yes — that's one of our core use cases. Many of our clients run multiple concurrent acquisitions and use EarnestBridge to deploy EMDs across all of them without tying up equity.
Ready to Start?
Submit your deal today.
Funded in 24–48 hours.
Our team reviews every submission personally. You'll have a decision — and a clear answer either way — within hours.
Or email us directly at deals@earnestbridge.com