About Us

3AM Capital was founded by a real estate investor who understands what it’s like to grind late nights, negotiate creative deals, and need funding yesterday to lock in the next opportunity. We’re not a faceless lender — we’re a small, agile, investor-driven team that 

moves at the speed of the market.

Nik and Kay (husband and wife team) built 3AM Capital to solve a simple but critical problem: how to get fast, reliable funding for 

real-world, action-taking investors.

From earnest money deposits and double closes to stacking strategies like the Morby Method and longer term loans, we know the playbook — because we’ve used it ourselves. 

We offer more than just money — 

we provide confidence, clarity, and connection 

when it matters most.

We’re here to help you scale, close faster, and never miss a deal due to lack of capital or coordination. Whether you’re new to wholesaling or closing on your tenth flip this year, we treat your deal like it’s our own — because in many ways, it is.

Secure your deal before someone else does. We provide quick-turn EMD funds so you can lock in contracts without tying up your own capital.

Using creative financing strategies? We’re experts in structuring and funding deals that involve seller carryback, subject-to, and stacking methods.

Need transactional capital to bridge a same-day buy and sell? We fund A-to-B and B-to-C transactions nationwide with ease and discretion.

We go beyond funding — we can coordinate your closing and help you vet investor-friendly title companies so you don’t waste time or money.