Real estate moves fast, and sometimes accessing your commission before closing can unlock valuable opportunities. But how you access that money and how much you pay for it matters.
Traditional commission advances work one way.
Tongo works another.
And the difference often determines how much of your commission you actually keep.
Traditional advances function like lump-sum loans. You sell part of your future commission and receive the entire amount upfront, often more than you actually need. Even if some of that cash sits untouched, you still pay fees on the full lump sum.
Those fees tend to be high, often 5% to 10% (or more) for a 30-day period. For agents who only require a small boost to cover short-term expenses, this structure can become unnecessarily expensive.
Tongo replaces the lump-sum approach with a flexible commission advance that works like a debit card tied to your pending commission. You choose exactly how much to draw and when, paying fees only on the portion you use and never on your entire commission.
With costs starting as low as 3% per 30 days, this usage-based model keeps your total spend lower, more predictable, and aligned with your actual needs. No oversized advances. No paying for idle cash.
Lump-sum advances lock you into taking one large payout and paying fees on all of it, even if only a fraction is needed. This lack of flexibility leads to higher costs, repeated paperwork whenever you need more money, and a true effective rate that’s often far higher than expected.
Tongo’s approach is designed for efficiency. You only pay for the dollars you draw, and your line stays open as a free safety net when you don’t use it. This lowers your overall cost, reduces waste, and gives you more control over your finances. Transparent pricing and simple structure mean you always know exactly what you’re paying for.
“Don’t rent the whole hotel when you only need a room for the night.”
Traditional advances charge you for a large block of cash whether you use it all or not.
Tongo lets you take only what you need; helping you keep more of your commission and giving you a tool that fits the realities of an agent’s workflow.
Want to experience the savings and flexibility of usage-based pricing?
👉 Get started with Tongo today and take control of your cash flow on your terms.
