Financing for Canadian Real Estate Professionals Secured by Pending Sales
Assadi Private Capital provides commission advances to real estate agents seeking access to their earnings prior to closing. This commission-backed financing is available to licensed agents and brokers with firm sale agreements and upcoming closings within 30 to 60 days.
Real estate agents in Canada can unlock liquidity based on commissions that have been contractually earned but not yet received. This product is not a form of speculative lending, but rather a structured financial solution for professionals requiring interim funds for operational, tax, or personal obligations while awaiting disbursement.
Commission Advance Overview
• Loan amount: Minimum $3,000; up to $20,000 or 70% of net commission, whichever is lower
• Term structure: Interest-only; no monthly payments; full repayment at closing
• Interest rate: 1.8% per month (calculated monthly, not compounded)
• Funding timeline: Typically within 1-3 business days of approval and documentation
• Repayment: Deducted directly from commissions held in trust and disbursed by the brokerage
This solution is structured to be simple, transparent, and non-intrusive to your brokerage relationship.
Eligibility Criteria
Commission advances are available to licensed real estate agents and brokers who meet the following standards:
Deal Requirements:
• Sale must be firm and unconditional
• Closing date must be within 60 calendar days
• Property must be located in a major Canadian urban market (e.g., Greater Vancouver, Toronto, Calgary, Edmonton, Ottawa) with strong closing reliability
Borrower Requirements:
• Licensed in good standing with the relevant provincial regulator (e.g., RECO in Ontario, BCFSA in British Columbia)
• Minimum of two completed real estate transactions in the preceding 12 months
• No unresolved disciplinary history, commission-related disputes, or active litigation involving clients
Required Documentation:
• MLS listing associated with the transaction
• Fully executed Agreement of Purchase and Sale (APS)
• Commission summary or fee schedule issued by the brokerage
• Approval from the brokerage, and their confirmation of expected commission payout and timing
• Confirmation that the commission is held in trust and not subject to dispute or conditionality
• Confirmation that the financing condition, if any, has been waived or satisfied
Exclusions
We do not advance funds in the following circumstances:
• Conditional or non-firm sale agreements
• Private transactions not listed on MLS
• Deals without financing secured (unless all-cash)
• Commission disbursements scheduled beyond 60 days
• Borrowers with prior commission advance defaults or unresolved legal issues
• Files involving material litigation or financing uncertainty on the part of the buyer
Why Work with Assadi Private Capital?
As a direct private lender focused on real estate-based transactions, Assadi Private Capital offers a reliable and discreet commission advance solution for qualified professionals. We understand the regulatory landscape and operational tempo of the real estate industry, and our product reflects that understanding.
This is not payday-style lending, nor is it intended for high-risk or speculative situations. We serve agents with a verifiable track record and firm deals, providing professional access to capital without unnecessary bureaucracy.
Real estate agents with an eligible transaction who wish to access a portion of their commission in advance are invited to contact our office. Our team is available to assist with structuring, compliance, and rapid deployment of funds.
Assadi Private Capital: Trusted Private Financing for Real Estate Professionals Across Canada.