Our $10,000 Cash Advance Program: Get Money Before You Close

One of the things I've learned in 15+ years of buying houses is that sellers often need money before the closing happens. They need to put down a security deposit on a new apartment. They need to pay off urgent debts. They need to cover moving expenses.

But in a traditional sale, you don't see a dime until closing day. And if the sale falls through, you've got nothing.

That's why we created our $10,000 Cash Advance Program. When you accept our offer, we can put up to $10,000 in your hands before we close on your house. Here's how it works.

What Is the Cash Advance Program?

In simple terms: we give you money early.

Once you sign a purchase agreement with Easy Sell Property Solutions, we can advance you up to $10,000 before the closing happens. This money comes out of your eventual sale proceeds. It's not a loan. It's your money, early.

For example, if we're buying your house for $200,000 and you take a $5,000 advance, you'll receive $195,000 at closing (minus any mortgage payoffs or other standard adjustments).

There's no interest, no repayment schedule, no credit check. It's simply an advance on what you're already going to receive.

Why We Offer This

Most cash home buyers don't offer advance programs. So why do we?

Because I've seen what happens when sellers need money and can't get it.

I've watched families live out of their cars because they couldn't come up with a security deposit for an apartment. I've seen people miss job opportunities because they couldn't relocate without upfront cash. I've met homeowners who stayed in dangerous situations because they didn't have moving money.

Offering cash advances is our way of solving real problems. It costs us a little extra effort and adds some risk to our side. But it makes a real difference for the people we work with.

That's worth it to me.

How the Program Works

Step 1: Accept Our Offer

The advance program is only available once you've signed a purchase agreement with us. We need a firm deal before we can advance funds.

Step 2: Request the Advance

Let us know you need an advance and how much. We offer up to $10,000, but you can request any amount up to that limit. If you only need $2,500, that's fine.

Step 3: Sign a Simple Agreement

We'll prepare a short addendum to the purchase agreement documenting the advance. This protects both of us by clearly stating the amount and how it affects the final closing numbers.

Step 4: Receive Your Funds

Once the agreement is signed, we can typically get funds to you within 24-48 hours. Wire transfer or cashier's check, your choice.

Step 5: Close As Normal

The advance is deducted from your proceeds at closing. Everything else works exactly the same as any other sale.

Who Uses the Advance Program?

Over the years, we've provided advances for many different reasons:

Moving Expenses

Moving costs add up fast: truck rental, movers, boxes and supplies, temporary storage, deposits at the new place. A $5,000 advance can cover all of it.

Security Deposits and First Month's Rent

If you're moving to a rental, you'll typically need first month, last month, and security deposit upfront. That can easily be $5,000-$10,000 in the New York metro area.

Urgent Debt Payments

Some sellers are behind on other bills: credit cards, medical debt, car payments. An advance lets them get current before closing instead of waiting and potentially facing collection actions.

Travel Expenses

For out-of-state heirs managing a Long Island property sale, the advance can cover travel expenses to handle estate matters.

New Home Down Payment

If you're buying another property and need to show proof of funds or make an earnest money deposit, the advance can bridge the gap.

Emergency Needs

Sometimes life just happens. Medical emergencies, car repairs, family crises. Having access to your money early can help you handle the unexpected.

Frequently Asked Questions

Is this a loan?

No. It's not a loan because there's no repayment, no interest, and no debt. It's an advance on money that's already yours. The amount simply gets deducted from your proceeds at closing.

Do I need good credit?

No. We don't run credit checks for the advance program. This isn't lending money. It's advancing your own sale proceeds.

What if the sale doesn't close?

If the sale doesn't close due to something on our end, you keep the advance with no obligation to repay. Our purchase agreements are not contingent on financing or inspections, so this is extremely rare.

If you cancel the sale, the advance would need to be returned. That's why we only offer advances after you've signed a firm agreement.

How much can I get?

Up to $10,000. You can request any amount up to that limit. Request what you actually need, not the maximum just because you can.

How fast can I get the money?

Typically within 24-48 hours after signing the advance agreement. In urgent situations, we can sometimes move faster.

Does this affect my closing proceeds?

Yes. The advance is deducted from your final proceeds. If we're paying $200,000 for your house and you take $7,500 in advance, you'll receive $192,500 at closing.

Is there interest or fees?

No. Zero interest, zero fees. The only cost is that you get less at closing because you already received some of the money.

Can I get more than $10,000?

In some cases, yes. For larger transactions or special circumstances, we can sometimes offer larger advances. Talk to us about your situation.

Do I have to use the advance for anything specific?

No. Once the money is in your hands, it's yours to use however you need. We don't monitor or restrict how you spend it.

A Real Example

Let me share a situation where the advance program made a real difference.

We worked with a woman named Margaret from Babylon. Her husband had passed away six months earlier, and she needed to sell their house to move closer to her daughter in Pennsylvania.

The problem: she didn't have enough savings for a security deposit on an apartment in Pennsylvania, and she couldn't move until she had somewhere to go. She couldn't get her house money until closing, and she couldn't close until she moved. Classic catch-22.

We bought her house and advanced her $6,000 before closing. She used it to secure an apartment near her daughter, hire movers, and cover first month's rent.

Two weeks later, we closed on her house. She got her remaining proceeds and started her new chapter.

Without the advance, she would have been stuck. Maybe she would have had to sell some furniture at a loss, or borrow from family, or delay her move by months. The advance solved a real problem and let her move forward.

Why Other Buyers Don't Offer This

Most cash home buyers don't offer advance programs because:

Risk: There's a small risk that a deal falls through after the advance is paid. We're comfortable with that risk because our contracts are solid and we have a 15+ year track record of closing.

Cash Flow: Advancing money before closing ties up capital. We maintain a large credit line specifically so we can offer this benefit.

Complexity: Managing advances adds administrative work. We've built systems to handle it efficiently.

Not Their Priority: Honestly, many buyers just don't care enough about the seller's situation to bother. For us, taking care of sellers isn't just nice, it's central to how we do business.

How This Fits Our Other Benefits

The cash advance program is one piece of how we try to make selling your house genuinely easy:

• 7-Day Closing Guarantee: We can close fast when you need us to, with $1,000 credit if we miss the date.

• Buy As-Is: No repairs, no cleaning, no updates needed.

• Take Contents Included: Leave what you don't want, we'll handle it.

• Free Moving: We cover moving costs anywhere on Long Island.

• No Commissions or Fees: We pay closing costs, you pay nothing.

• Cash Advance Up to $10,000: Get money before closing when you need it.

Each of these benefits addresses a real problem that sellers face. The advance program specifically solves the timing problem, when you need money now but closing isn't until next week.

Is the Advance Right for You?

The advance program isn't for everyone. Here's how to think about it:

Good reasons to take an advance:

• You have an immediate need that can't wait until closing
• The advance solves a specific problem (deposit, moving costs, etc.)
• You're comfortable with a slightly smaller check at closing

Not-so-good reasons:

• "Because it's available" (if you don't need it, don't take it)
• You're unsure about going through with the sale
• You might use it for something you'd regret

The advance is a tool. Like any tool, use it when it helps and skip it when it doesn't.

Request a Cash Advance

If you're already in discussions with us about selling your house, just mention that you'd like to discuss a cash advance. We'll explain the details and get it set up.

If you haven't talked to us yet but like the sound of getting money early, let's start with a conversation about your property. Call 631-400-EASY (3279) or fill out our form for a no-obligation cash offer.

We'll make you a fair offer on your house, explain all your options including the advance program, and let you decide what works best for your situation.

No pressure, no obligation. Just honest information so you can make a good decision.