Private Financing for Toronto Real Estate Professionals Secured by Pending Sales
Assadi Private Capital offers commission advances to licensed real estate agents and brokers in the Greater Toronto Area (GTA) who require access to earned commission income before a transaction closes. This specialized funding is secured by firm sale agreements and designed to meet the liquidity needs of professionals with closings scheduled within 30 to 60 days.
Commission advances are not speculative or high-risk loans. They are structured, short-term financial tools intended to bridge timing gaps for working professionals, whether to manage business expenses, meet tax obligations, or handle personal cash flow. In Toronto’s fast-paced real estate market, our program offers a flexible and professional solution for qualified agents.
Commission Advance Program Overview: Toronto
• Loan Amounts: From $3,000 up to $20,000, or 70% of net commission, whichever is lower
• Loan Term: Interest-only; no monthly payments; repaid in full at closing
• Interest Rate: 1.8% per month (non-compounding)
• Funding Timeline: Typically 1 to 3 business days after approval and submission of required documentation
• Repayment: Repaid directly from commission funds held in trust and disbursed by the brokerage
Our process is fast, discreet, and designed to support your business without disrupting your brokerage relationship.
Eligibility Criteria for Toronto Commission Advances
Our service is available to licensed agents and brokers operating in the GTA who meet the following criteria:
Deal Requirements
• The sale must be firm and unconditional (all conditions waived)
• The closing date must be within 60 calendar days
• The property must be located in Toronto or the surrounding GTA, with a high probability of closing
Agent Qualifications
• Must hold a valid license in good standing with the Real Estate Council of Ontario (RECO)
• Must have completed at least two real estate transactions in the past 12 months
• Must have no unresolved regulatory issues, commission-related disputes, or active litigation with clients
Required Documentation
We require the following to process your application efficiently:
• MLS listing for the transaction
• Fully executed Agreement of Purchase and Sale (APS)
• Commission summary or breakdown from your brokerage
• Written confirmation from your brokerage verifying the commission amount and expected disbursement timeline
• Verification that the commission is being held in trust
• Confirmation that the buyer’s financing conditions, if applicable, have been satisfied
Transactions Not Eligible for Funding
• Non-firm or conditional sales
• Private deals not listed on MLS
• Transactions without confirmed buyer financing (unless an all-cash deal)
• Deals with closings beyond 60 days from the application date
• Applicants with a history of default on commission advances
• Files involving active legal disputes or material uncertainty surrounding closing
Why Toronto Real Estate Agents Choose Assadi Private Capital
Assadi Private Capital is a direct lender focused on real estate-secured transactions across Canada. Our commission advance program was created for licensed professionals with confirmed deals, offering a clear and fast path to access funds they’ve already earned.
This is not high-risk consumer lending or payday-style borrowing. We offer a professional-grade solution for professionals with an established track record and active files. Our approach is designed to support your business, maintain your credibility, and preserve your relationship with your brokerage.
If you are a Toronto real estate agent or broker with an upcoming closing and a firm sale, we invite you to get in touch. Our team is ready to assist with fast, compliant, and confidential access to your earned commissions.
Assadi Private Capital: Commission Advance Solutions for Real Estate Professionals in Toronto and Across Ontario