Commission bridging for estate agents
You earned it at the offer. You get paid at registration. We close the gap.
Up to 75% of your commission, in your account while the transfer runs. The attorney settles us at registration. Same deal, same commission, months earlier.
Documents in today. Money in your account within 24 hours.
The gap every agent funds
Your work is done. Your money is three months behind it.
The offer is signed. The commission is earned. And then the transfer goes quiet — a rates clearance, a compliance certificate, a repair nobody has paid for yet — while money you have already earned sits behind a problem that was never yours to solve.
Meanwhile the marketing spend carries on. So does the fuel, the show days, the next listing you are funding out of your own pocket. Nothing about your work is holding this transfer up — you are simply the one paying for the wait. That is the part we fix today.
The difference is time
The transfer keeps its own pace. Your commission does not have to.
Today
90 days to your commission
- OTP signed
- Compliance
- Clearances
- Transfer
- Registration — you are paid
Every cost you carried along the way came out of your own pocket first.
With PropFlo
24 hours to your commission
- OTP signed
- You are paid
- Compliance
- Clearances · Transfer
- Registration — we are settled
The rest of the transfer still happens. It just happens without you waiting on it.
Cycle times are illustrative. The 24 hours runs from your documents being in, not from the offer being signed.
With the commission in hand
The transfer still takes what it takes. You stop waiting for it.
Up to 75% of your commission, paid into your account while the transfer runs. The next listing gets marketed on time. The bond payment does not depend on a registration date nobody controls. And when registration comes, the attorney settles PropFlo directly — there is nothing for you to repay, chase or remember.
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75%
of your commission split, paid now
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Nothing
to repay — the attorney settles us at registration
-
Same
commission — the deal is unchanged; part of what you earned simply arrives earlier
How it works
You get paid now. We do the waiting.
When a property sells, your commission is paid out of the proceeds on registration day. PropFlo brings that day forward for you — you are paid now, and when registration comes the attorney settles that portion with us directly. Nothing is borrowed, so there are no instalments, no interest and nothing for you to repay. You get on with the next deal while we carry the wait.
It runs through your agency, the way your commission always has, so your principal is in the loop from the start. The attorney receives one written instruction and handles the rest on registration day. That is the whole thing.
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01
Work out your saving
Your split and your expected registration date. See the numbers.
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02
Start the deal
Register and open your application.
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03
Send the documents
FFC, the signed offer, the mandate, your bank confirmation.
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04
The offer
We come back in writing with the exact amount.
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05
Accept
You accept, your principal agrees, and we pay.
All of it online. Sign from your phone, send the documents straight out of the deal file you already have, and get your offer by email. Nothing to print, nothing to scan, nowhere to drive — and from your documents in to money in your account, 24 hours.
Work out your saving
Your deal, your numbers. Two minutes to unlock them.
On a typical deal
- Commission split
- R 120 000
- In your account within 24 hours of your documents being in
- up to R 90 000
- Yours at registration, as it always would have been
- R 30 000
What it costs depends on your deal — the split, and how far registration is away. Verify once and the calculator works it out on your own numbers.
Verified agents only.
Your PPRA number, and a code to each of your channels. About two minutes — and only ever once. After this, every deal you run opens straight away.
Seven digits, as it appears on your FFC.
We check both channels now because this is how your offers, documents and updates reach you on every deal after this one. Get it right once and you never do it again.
Nothing here is an application. No documents, no credit check, no obligation.
What you need
Everything you need is already in the deal file.
- A signed offer to purchase. Once the deal is signed, your commission exists and we can bring it forward. Not signed yet? Get in touch — we will walk you through how it would work on the deal you are busy with.
- A valid FFC and your PPRA number. Yours and the agency's.
- Your signed mandate with the seller, and the transferring attorney's details.
- Your bank confirmation letter, ID and proof of address. Payment runs through the transferring attorney's trust account to the account you nominate.
Your principal
Your principal is part of it.
Your commission is paid through the agency, so your principal signs off alongside you. Mention it when you start and it takes a minute; leave it to the end and it is the one thing that can hold up your payment.
The agency's own cashflow is not touched and the deal runs exactly as it would have. If it helps, send your principal our page written for them, or ask us and we will speak to them directly.
For principals →Questions agents ask
The things you are probably already wondering.
Is this a loan?
No. PropFlo brings your registration-day commission forward and pays you now; the attorney settles that portion with us on the day. There is no repayment, no instalments and no interest, because nothing is being lent. The attorney pays us our portion at registration and that is the end of it.
Does this go on my credit record?
No. There is no debt here, so there is nothing to appear on your credit record — and we do not run a credit check on you.
Does my principal have to know?
Yes, and they have to agree. Your commission is paid through the agency, so the agency has to consent to the sale. Bring them in at the start rather than at the end — it is the one thing that delays applications.
What does it cost?
Verify your PPRA number and the calculator shows you what your own deal looks like — before you apply for anything, send a document or commit to anything. The exact figure comes in writing once we have seen the deal.
Why only 75%?
Because a transfer can move. The portion we leave behind is the room that absorbs the ordinary surprises, and it comes to you at registration along with everything else.
How long does it take?
Once your documents are in, you are paid within 24 hours. That is possible because nothing in the process waits on paper — you sign from your phone, your documents come straight out of the deal file you already have, and your offer comes back by email.
Do I have to use a particular attorney?
No. The transferring attorney is whoever the seller appointed. They receive one written instruction to pay our portion at registration, and their work is otherwise unchanged.
Where does the money actually move?
Through the transferring attorney's trust account — the same protected route every bridging payment takes in a South African transfer. It reaches the account you nominate, and on registration day our portion is settled from the same place.
How is this different from the bridging company we already use?
Most bridging starts with a form and ends with a phone call. Ours starts with an answer. You see your own numbers before you apply for anything — not after a form, a phone call and a wait. And once you do apply, everything is electronic: the signature, the documents, the offer, the instruction to your attorney. The time that usually disappears into printing, scanning, couriers and chasing people simply is not in the process. The paperwork moves at the speed of your phone. The only clock left is the transfer's own.
If your current provider works for you, keep them. Run one deal through us and compare.
Can I do this on more than one deal?
Yes. Each deal is looked at on its own, so more than one can run at a time.
Can I come back for more on the same deal?
Yes. If you did not take the full 75% the first time, an additional advance brings you the rest of it — the total across both stays within that same 75%.