Frequently Asked Questions

Everything you need to know about our commission advance  services

Setting up a Commission Advance Facility for the first time

Setting up a Commission Advance Facility and activating your obligation free Membership Account with Commission Flow couldn’t be easier. All you need to do is complete a 5-minute online application form and upload some basic information.

All Membership Applications receive same day approval. Once approved you will receive your secure login details along with our standard commission assignment paperwork to sign.

Go to our commission advance facility blog post to read more about the process. 

How do I access my commission advance?

With Commission Flow, you can access your pending commissions quickly and easily, with funds available in your account within hours of closing a sale.

Our tailored commission advance service puts financial control in your hands by giving you immediate access to your pending real estate commissions on your schedule.

Pre-registered members receive immediate access to our purpose built online platform. You will be set up with a secure, individualised account where you will be able to apply for advances, manage applications and view payments online, anytime from anywhere.

Click here to read more about how you can access your commission advance.

How much same-day commission can we receive?

We can give you a cash advance of anything up to 100% of your unsettled commission, minus the cost of the fees. Unlike some of our competitors, Commission Flow does not place an arbitrary cap on certain advances – anywhere from $1,000 to $100,000 can be accommodated.

Here at Commission Flow we understand that no two businesses are the same, which is why we provide a cash advance facility to suit your business cash flow requirements. This facility can be increased over time to tailor for your businesses individual needs.

Is your service confidential?

Yes, absolutely. You can rest assured knowing that your business dealings with us are fully confidential.

Will my clients know about the advance commission payment?

Absolutely not. Our service is a private arrangement between you and us. It is completely confidential. It will have no impact on the way you deal with your vendors or purchasers at any stage of the transaction.

Must I sign up for a minimum period?

No. We live in the real world and completely understand that times change and so do the needs of your agency. We don’t believe in locking you into a contract, so you have the freedom and flexibility to use our services – when you need them!

What happens if a property sale fails to settle?

Things sometimes happen that are out of your control. In the unlikely event that a sale falls through before settlement, you have two options:

  1. You can repay the early advance, including any accumulated fees or
  2. Keep the advance and assign it to another transaction. If you choose this option, the replacement commission will need to be of the same (or greater) amount.

What happens if the property sale is delayed?

We know from experience that around 90-95% of contracts will settle without any problems, sometimes buyers just need a little more time to organise their funding. If settlement is delayed, contact your Account Manager at Commission Flow to discuss the options available.

Are the fees tax deductible?

Yes. If you use our service for the purpose of your business then our fees are tax deductible. However, for your peace of mind we always recommend that you confirm this with your accountant.

Can I repay the advance early?

Yes, absolutely. In fact we encourage you to do so, as paying us back early will save you money on fees. Our fees are calculated on a daily rate so depending on how quick you settle the balance will determine how much fees you pay. For a more accurate understanding it is best to discuss the options with one of our Account Managers.

Do you only advance funds against residential real estate sales commissions?

No. We take pride in catering for all your needs, which is why we provide cash advances for the majority of real estate transactions, including commercial real estate and business sales.

How are the fees determined?

Here at Commission Flow, we want to keep your costs down which is why we calculate our fees based on an affordable and competitive daily rate. Your fees will be determined on how long it takes you to settle the balance. The bottom line is, the quicker you pay back the advance, the less fees you will pay! To find out the cost of your advance commission, please click here.

How do I receive the commission?

The commission can be electronically transferred to a nominated bank account or we can write you out a cheque.

When do I repay Commission Flow?

At settlement is when you repay us the advance commission. This is similar to how you would account to yourselves at settlement for the commission you are owed.

What happens when I receive my commission at settlement?

Simply pay us back the advanced commission payment, along with any accumulated fees.

Who else uses Commission Flow?

We are proud of our diverse range of clients and we cater for the needs of many established agents and sales people across Australia. Our clients range from the leading franchise groups to the small family owned and run.

The concept of what we do is not new. It’s already been proven a success for thousands of agencies across the United States who have been using the same system for many years.

Why would I use Commission Flow?

As you know, there’s usually a minimum six-week time frame from when a sale of a property occurs and the moment when your payment is received. The lag in time from sale to payment can be frustrating and crippling for real estate agencies. Commission Flow allows you to get your hands on incoming commission – immediately! So why not skip the wait and get paid on exchange of contracts.

Wouldn’t a bank loan make more sense?

Banks have strict lending guidelines that they need to adhere to and therefore they can take a considerable amount of time to process your loan. Getting a loan with a bank is not only time consuming, it can also be quite difficult because the bank needs to fully access your agency’s cash flow, profitability, equity, years in business and mortgage collateral. Commission Flow is not in the lending business. Our decision to fund your cash flow is not related to your agency’s performance or financial strength and we do not require mortgage security.

Can I use Commission Flow if we already have an overdraft or business loan?

Yes, you can use our advance commission services alongside your existing funding arrangements without any hassle.

What can we use the money for?

This is entirely up to you. We provide cash payments on the basis that you intend to use the money for purposes related to your real estate agency, or for an investment.

Can I get a cash advance if I work as a contracted sales person for an agency?

Yes absolutely. The agency will enter into an agreement with us and then we’ll verify the amount of money they’ll deduct from the commission, which will go towards paying wages, tax and other business expenses. Please contact one of our Account Managers to discuss this process.

What is the Commission Flow Best Price Guarantee?

We’re committed to offering your real estate agency the most competitive rates in town. So as soon as your agency is pre-approved as a member, you will have the peace of mind that you’re enjoying the best rate on the market – and if not, we make you this promise:

If any genuine competitor offers you an advanced commission rate that’s lower than ours, show us and we’ll beat it by 10%!*

*See below for the terms and conditions

What are the terms and conditions of the Best Price Guarantee?

Here’s the fine print on our special offer:

  • The Best Price Guarantee cannot be redeemed in conjunction with any other offer
  • Competitor must be an Australian Registered Company
  • Competitor rates must be verified and current
  • Competitor rates must be of a lower rate and also non-conditional
  • Subject to compliance with the standard advance applications and terms & conditions

Please note: Information provided by you will only be used by us, to provide the Best Price Guarantee to you. Please refer to our Privacy Policy for more detail.