Industries We Serve
Wherever a Deal Requires a Deposit, We Fund It.
EarnestBridge was built for the modern deal-maker. We finance earnest money deposits across six major verticals — each with unique timelines, deposit structures, and due diligence periods.
Industry 01
Commercial Real Estate
The original EMD vertical — and still our largest.
Overview
Commercial real estate transactions almost universally require an earnest money deposit at contract signing. Whether you're acquiring a multifamily complex, an office tower, or a strip mall, the seller expects a meaningful deposit in escrow before the due diligence clock starts.
The Soft Period
The deposit remains fully refundable during the inspection and due diligence period — typically 30–90 days — while you conduct environmental assessments, rent roll audits, and lender appraisals.
The Opportunity
Experienced CRE investors often have capital committed across multiple active deals. EarnestBridge lets you pursue new acquisitions without waiting for existing positions to close.
Deal Types We Finance
Typical Deal Range
$50,000 – $5,000,000+
Funding Timeline
24–48 hours
Industry 02
Business Acquisitions (M&A)
Bridge the gap between LOI and close.
Overview
In the sale of small-to-mid-market companies, an earnest money deposit is almost always required upon signing a Letter of Intent (LOI). This signals serious buyer intent and compensates the seller for taking the business off the market.
The Soft Period
The deposit remains refundable while the buyer performs "Quality of Earnings" (QofE) reports, legal audits, and inventory counts — the M&A equivalent of a real estate inspection period.
The Opportunity
Individual "search fund" buyers or corporate escapees often have their net worth tied up in 401ks or home equity and need bridge liquidity for these $50K–$250K deposits. EarnestBridge fills that gap without requiring a personal guarantee.
Deal Types We Finance
Typical Deal Range
$50,000 – $500,000
Funding Timeline
24–48 hours
Industry 03
Private Aviation (Business Jets)
Ground the aircraft before someone else does.
Overview
The purchase of a pre-owned Cessna, Gulfstream, or Embraer follows a process nearly identical to commercial real estate. A standard 5% deposit is placed in escrow — usually with an aviation-specific escrow firm — to take the aircraft off the market.
The Soft Period
The deposit is held while the plane undergoes a "Pre-Purchase Inspection" (Pre-Buy) at a specialized maintenance facility. The buyer can walk away for any reason during this period and receive a full refund.
The Opportunity
These deposits are large (often $100,000 to $1,000,000+) and must be funded quickly to "ground" the aircraft and stop other showings. Speed is everything in aviation acquisitions.
Deal Types We Finance
Typical Deal Range
$100,000 – $2,000,000+
Funding Timeline
24–48 hours
Industry 04
Government & Infrastructure Tendering
Win the contract without draining your bonding capacity.
Overview
Contractors bidding on major public works projects — roads, schools, water treatment plants, and municipal infrastructure — must often provide an Earnest Money Deposit (EMD) with their tender submission to demonstrate financial seriousness.
The Soft Period
The money is held by the government agency while they evaluate all bids. If you lose the bid, the money is returned in full. If you win, it converts to a performance bond or is applied to the contract.
The Opportunity
Small-to-mid-sized construction firms often have their bonding capacity and cash trapped in active jobs. EarnestBridge helps them fund tender EMDs to compete for new contracts without disrupting ongoing operations.
Deal Types We Finance
Typical Deal Range
$25,000 – $1,000,000
Funding Timeline
24–48 hours
Industry 05
Oil, Gas & Mineral Leasing
Lock down the rights before the window closes.
Overview
When an exploration company (upstream) wants to secure the rights to drill on a specific parcel of land, they use a "Cash Bonus" or earnest deposit paid to the landowner or mineral rights holder.
The Soft Period
The deposit is held while the firm performs a "Title Opinion" to ensure the landowner actually owns the mineral rights being leased — a critical step that can take weeks.
The Opportunity
Given the volatility of energy markets, speed matters. Exploration companies that can move quickly on promising acreage gain a significant edge. EarnestBridge provides the liquidity to act fast without disrupting operating capital.
Deal Types We Finance
Typical Deal Range
$50,000 – $2,000,000
Funding Timeline
24–48 hours
Industry 06
Luxury Maritime (Yachts)
Secure the vessel. Survey at your pace.
Overview
Large yacht purchases (80ft+) follow a process similar to aviation: an escrow deposit is required before the "Sea Trial" and "Survey" — the marine equivalent of a home inspection — can begin.
The Soft Period
The buyer can walk away for any reason (or no reason) during the survey period and receive a full refund of the deposit. This makes the deposit a low-risk commitment for the buyer but a critical signal for the seller.
The Opportunity
These deposits are substantial and time-sensitive. Yacht brokers move fast, and having bridge liquidity available means you never lose a vessel to a competing buyer while waiting for capital to free up.
Deal Types We Finance
Typical Deal Range
$100,000 – $3,000,000+
Funding Timeline
24–48 hours
Ready to Move?
Don't let capital constraints cost you the deal.
Submit your deal details and our team will respond with a funding decision within 2–4 business hours — regardless of which industry you're in.