Attention: Brokerage Owners

* Agent’s Equity Offers Broker/Owners A Better Proposition For Using Their Surplus Capital *

Which would be of more value to you?

a) Revenue from recruiting a new agent?   OR    b) Revenue from providing a commission advance to an agent?

Now imagine –

a) Revenue from gained by recruiting 5 new agents     VS    b) Revenue lost if only one advance goes “bad”

When planning for 2017 and beyond, determine whether you are best served by funding recruitment and retention OR internal commission advances.

Connect with us today. We have been partnering with offices on customizable, proven, broker risk-free commission advance programs since 1989.

Happy selling,

Joe Johnston




Payday Loan or Commission Advance?

Is There A Difference?








Borrowing money and incurring

unsecured debt


Sale of an asset – not borrowing


Huge interest cost: $1000 for

2 months can cost $500+


Less than $80 for the same $1000


Credit checks done


No credit check required


Loan based on past earnings and future commissions


Purchased based on current commission details


Stigma often attached


Business building strategy (used by major corporations)


May not be tax deductible


Tax deductible for business purposes


Often must be repaid within 2-4 weeks


Transactions closing in up to 5 months


Usually limited to a small percentage of commission


Purchase up to 90% of net commission

The Cost of Running a Successful Real Estate Business….

Here is a partial list of fees and costs that many young and/or aspiring real estate salespeople may not realize is associated with running a successful real estate business (courtesy of Heath Applebaum, REM, May 2015 issue) –

* CREA fees and dues

* Monthly provincial real estate board dues and fees

* Listing fees

* Staging costs

* Office rents – for those not working from home

* Staff – administration to write up, track and submit offers

* Cell phone / Internet expenses

* Computer equipment

* Car, fuel, insurance and maintenance

* Contact management software

* Website development and maintenance costs

* Property signage costs

* Photography and videography costs

* Direct mail and other printing costs

* PR and social media promotion

* Insurance

* Business attire

* Desk and transaction fees

* Administration costs

* Taxes

* Other/misc

Happy Selling!

Joe Johnston


Finding Marketing Dollars

The New Year is here and believe it or not – spring market is just around the corner.

This is a great time to remember that “marketing dollars” are available to help you launch your 2015  promotional campaigns.

If you have a firm residential deal closing in the future, you can have your commission today! We are constantly amazed at how many agents have forgotten about this quick, tax-deductible commission advance service.

Get your marketing machine revved up today. Click here now to find out more.

All the best in 2015 and happy selling!

Joe Johnston

Your Customer Is King….

Your customers are your most valuable asset. Without customers you have no business. This is true in the commission advance business and in every area of the real estate business.

Taking care of customers is vital to growing your profit and your business. Here are some thoughts you can apply to looking after your customers –

“Always think in terms of what the other person wants.” James Van Fleet

“If we do all that is necessary, all the odds are in our favor.” Henry Kissinger

“We can be valued only as we make ourselves valuable.” Ralph Waldo Emerson

“We have not only great obligations to fulfill, we have great opportunities to realize.” John F. Kennedy

“Try not to become more of a success, but rather try to become a man of value.” Albert Einstein

“Business today is more than ever a question of cooperation.” Orison Swett Marden

Happy Selling!

Joe Johnston

Customer Creed

It doesn’t matter whether you’re a real estate agent growing a business or a commission advance company providing a commission advance service. Customers are the lifeblood of all businesses. Looking after your customers better than your competition may very well be the thing that separates you best from your competitors.

Here is a “Customer Creed” that you can adapt and customize for your own business –

1. The customer is our reason for being here.

2. It takes months to find a customer, seconds to lose one.

3. Always be courteous and polite during each customer contact.

4. Always do more than is expected when you handle a customer problem.

5. Never promise more than you can deliver.

6. Continually look for ways to improve quality and add value to services and products your customers purchase.

Happy Selling!

Joe Johnston

Holiday Marketing – Take It Personally

The various holidays that occur throughout the year give us an opportunity to get in touch with our prospects.

We should already be doing this regularly using emails, postcards, etc. But how about really personalizing your communication next time?

What about actually writing, yes writing, using a pen and paper – then putting your note or card in a hand-written envelope.

I can guarantee that your prospects, especially your best ones, will not only open the envelope, but remember your personal touch as well.

Just do it!

Jim Trainor, CA, CPA




Financing’s Best Kept Secret

It’s a multi-billion dollar business in North America.

It’s used daily by individual businesses and multi-national corporations.

It’s a method of financing that’s been around for hundreds of years.

But, you may have never heard of it……

That’s right, many realtors don’t even know that they can finance their commission receivables to accelerate their cash flow in order to help them grow their businesses.

How do we know? Well, we have been helping thousands of Canadian realtors for 25 years.

You can advance commission today – let us show you just how easy it can be.


Jim Trainor CA, CPA

Turn a commission advance into working capital for your business, go to

Personalize, Personalize, Personalize!

The above title is a chapter in a great book that should be a “must read” for everyone in real estate – and it’s not even about real estate. It’s about the keys to success and it’s called – Secrets of Great Rainmakers by Jeffrey J. Fox.

Rainmakers in real estate are the big producers and they earn the big real estate commissions.

One key to their success is that they “personalize” themselves. They become their own brand. They stay top-of-mind with their existing clients and prospects –

* they have their photo on everything

* they personally sign birthday cards, notes, etc

* they start by announcing their name on their voice mail, etc

* in short, they attach their name to everything

In this era of high-tech, the personal touch is still most compelling – personalize yourself!


Jim Trainor CA, CPA

How Do I Actually Do My Cash Flow Budget?

Fortunately, in this day and age, there are numerous sources that will provide you with an excellent outline – you just have to fill in the blanks. Perhaps the easiest source of information is online where you will find a number of self-help outlines. Many of these you can download for free.

Alternatively, just go to your local bank branch or credit union and they are almost certain to have a free booklet for you. These are usually on display and available for you to take. This means you won’t have to be interrogated by someone wanting to sell you another credit card or mutual fund. TD Canada Trust and Bank of Montreal have particularly useful booklets that show you exactly how to complete each line of your budget.

In the next few weeks, we hope to put the finishing touches on our own cash flow template specifically for real estate agents. We will be sure to let you know when its ready and available on our website for you to use.


Jim Trainor CA, CPA