Real Estate Commission Advances: A Great Alternative for REALTORS® to Personal Loans

As a Canadian real estate agent or broker, waiting for commission payouts on closed deals can create cash flow stress and lead to missed opportunities. Commissions owed on closed deals frequently wait for weeks or months to be paid out, which can mean stretching already tight budgets to cover expenses and business growth initiatives. 

Fortunately, there are options for Canadian REALTORS® looking to access capital between commission payout dates – real estate commission advances.   A real estate commission advance provides an affordable and efficient way to bridge the gap between closed deals and commission payouts. Unlike traditional personal loans, commission advances provide real estate agents and brokers with access to capital based on the amount of commissions they are owed – without having to wait for payment. 

The best part? The application process for a real estate commission advance is simple and doesn’t require credit checks like a personal loan. The money available for the commission advance is based on an agent’s recent performance, rather than credit score. This means agents can get the money they’ve earned quickly, without the hassle of a typical loan approval process.

Let’s look more closely at the differences between a real estate commission advance and a personal loan:

Real Estate Commission Advances

A commission advance is a financial product that is specifically designed and built for the unique needs of Canadian REALTORS® and their brokers. It provides them with access to a portion of their future commission earnings before the sale has closed. This can be beneficial for Canadian REALTORS® who would like to access their already-earned commissions in order to cover business expenses or personal bills, marketing initiatives or simply want to invest back into their business.

One of the key differences between commission advances and personal loans is the application and approval process. With a commission advance, the process is much simpler and faster.  Real estate agents can apply online and receive approval within hours. There is no credit check required, as the advance is based on their future commission earnings.

Another difference is the repayment structure. With a commission advance, the advance is repaid automatically from the commission earnings once the sale has closed. This means that there is no need to worry about making monthly payments or accruing interest.

Personal Loans

Personal loans are a more general financial product that can be used for a variety of purposes. They are typically offered by banks, credit unions, and online lenders. Personal loans can be secured or unsecured, meaning that you may need to provide collateral to get the loan or not.

One key difference between personal loans and commission advances is the application process. With a personal loan, the process can be more involved and time-consuming. You may need to provide documentation such as proof of income, credit history, and employment status. This can take several days or even weeks to complete.

Another difference is the repayment structure. With a personal loan, you are required to make monthly payments over a set period of time. These payments include both principal and interest, which means that the total amount repaid can be significantly higher than the original loan amount.


If you’re looking for financial flexibility while growing your real estate business, consider a real estate commission advance.  With commission advances, you can keep your business thriving and take advantage of new opportunities as they arise.  

FRAME’s commission advance service is offered across Canada and has a reliable, efficient, and REALTOR®-centric approach to commission advances. We are powered by the Alberta Real Estate Association and AREA Real Estate Services Corp, who are leaders in the real estate industry with a focus on reinvesting money in the industry. Proudly supporting real estate professionals since 1947, we understand the unique needs of agents. Our commission advance program already services more than 3200 Alberta REALTORS®, with more than $13 million, and counting, in commissions advanced to date.


Learn more about FRAME at 


What is a real estate commission advance and how can it benefit Canadian REALTORS®?