A commission advance facility allows real estate agents the ability to smooth out their cash flow by bridging the gap between a property sale and settlement. Accessing your pending commissions immediately can help alleviate the stress of managing your finances.

A commission advance facility is not a loan – it simply provides you with early access to the sales commissions you’ve already earned.

Creating a commission advance facility with Commission Flow is a straightforward and easy process. Simply complete our 5-minute online application form and upload some basic information.

The On-Boarding Team at Commission Flow will then process the application, send you our standard commission assignment agreements to sign and activate your free online commission advance account.

Applications received will be processed the same business day, providing you with immediate access to pending commission entitlements.

By working with hundreds of agencies, we receive similar questions regarding the ins and outs of a commission advance facility. We have listed below some of the common questions and responses:

–       Do I need a credit score and background check? – Applying for a commission advance facility doesn’t require any credit checks and it will not impact on your credit score in any way.

–      Are there any holdbacks or reserves? – at Commission Flow we do not apply a holdback or reserve. Our Members are free to access 100% of their commission entitlements payable at settlement.

–       What is the Advance Period? – Access funds up to 120 days ahead of settlement.

–       Are there Mandatory Volumes or fixed numbers? – At Commission Flow, our service is driven by our Members. Members decide how, when and how much. We would rather you have the freedom to use our service as and when you need it.

Real estate can be an unpredictable industry – regardless of size, most agencies experience a working capital gap from time to time.

With a commission advance facility, you’re protected if your commissions due don’t line up with bills and other financial commitments.

Do you have any questions we haven’t covered above? Let us know if you have any questions about creating a commission advance facility below, and we will answer them for you.


Justin Steer

Justin Steer


Justin Steer is a real estate finance expert with nearly 25 years’ experience running businesses involved in the sale and management of both residential and commercial property. All content written in these blogs is by Justin, who is passionate about sharing his knowledge and insights in helping real estate agents create the financial freedom to grow.

Commission Advances: Everything You Need To Know

Tired of waiting up to 90 days to receive your pending commissions? A commission advance allows you to convert them into cash in just 4 hours.

Download our ebook to learn how a commission advance facility can help you take control of your cash flow.

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