Question 1

Wouldn't a bank loan make more sense?

Accepted Answer

Paid On Exchange provides commission advance and factoring-style cash-flow funding. It is not a traditional bank loan and is assessed against the commission entitlement, transaction documents, identity verification, AML/CTF checks and POEX’s funding criteria.

Question 2

Why would I use PaidOnExchange.com.au?

Accepted Answer

In the real estate industry there is usually around a six week time frame from when a sale is made and the point at which payment is received for that sale. The lag in time from sale to payment can and often is crippling for a business, particularly in a contracting market. PaidOnExchange.com.au allows you to get your hands on commission you know is coming - NOW!

Question 3

Who else uses PaidOnExchange.com.au?

Accepted Answer

Since 2005, Paid On Exchange has been used by real estate agents, agency principals and real estate businesses across Australia that want faster access to commission income after exchange, rather than waiting until settlement. It is commonly used to manage short-term cash flow, marketing costs, operating expenses and timing gaps between exchange and settlement.

Question 4

Are PaidOnExchange.com.au fees tax deductible?

Accepted Answer

Yes - similar to interest payments, our fees are tax deductible expenses if used in the running of your business. Check with your accountant to be sure.

Question 5

Can I repay the advance early?

Accepted Answer

Yes. You will also receive a refund of fees paid.

Question 6

What kinds of commission deals can you fund?

Accepted Answer

You can use PaidOnExchange for many real estate commission deals, including industrial, commercial, business sales and rent rolls. If the commission is approved and pending, we’ll look at it.

Question 7

How are your advance fees worked out?

Accepted Answer

Your fee is based on the amount advanced and how long until settlement. The shorter the wait, the lower the cost. No upfront cash needed. Want the exact figure? Ask us for a quote.

Question 8

How do I receive the commission?

Accepted Answer

Approved funds are paid by electronic transfer to a verified bank account.

Question 9

How much of my commission can you access?

Accepted Answer

You may be able to access up to 90% of your commission, less fees, depending on the deal and our funding criteria. In many cases, advances from $500 to $250,000 can be considered. Let’s check your transaction.

Question 10

How quickly can you get paid on your commission?

Accepted Answer

Fast! Once you’re approved, you can access funds in as little as 4 hours, with approvals often around 30 minutes. It’s built to help you move on with business, not wait around.

Question 11

Is your service confidential?

Accepted Answer

We treat customer information confidentially. However, we may disclose information where required or permitted by law, or where reasonably necessary for identity verification, AML/CTF compliance, fraud prevention, funding, repayment, settlement verification or recovery purposes.

Question 12

Must I sign up for a minimum period?

Accepted Answer

No. There are no contract periods. You simply use PaidOnExchange.com.au when you need us

Question 13

What happens if a property fails to settle?

Accepted Answer

You have the choice of replacing the transaction or simply repaying the commission advanced.

Question 14

I'm a sales person! Can you fund me?

Accepted Answer

Certainly. Your  Principal  simply enters into an agreement with PaidOnExchange. We will then advance the commission to your Principal who then forward to you. We understand sales people have commission flow issues too!

Question 15

What will my Vendors think?

Accepted Answer

They won't know. Your transaction is completely confidential and you account to them upon settlement as you normally would.

Question 16

When do you repay the advance?

Accepted Answer

You repay at settlement, from the commission that’s already due to you. Simple. No extra drama—just match the funding to the payout.

Question 17

Why does Paid On Exchange request identity and business information?

Accepted Answer

Paid On Exchange may need to verify customer identity, business details, authority to act, beneficial ownership, bank account details and commission entitlement before providing funding. These checks help us comply with legal obligations, prevent fraud and protect customers.

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