Cosient FAQs

Get Paid on Your Schedule, Not Escrow's

Cosient gives real estate professionals early access to earned commissions putting cash in your hands when you need it most, not weeks or months later. In an unpredictable market where even solid deals can fall through (and escrow failures can spike up to 4x during downturns), waiting for commission checks means waiting to grow. With Cosient, you're in control. Use your funds immediately to buy leads, invest in marketing, cover expenses, or seize time-sensitive opportunities.

San Diego MLS has partnered with Cosient to ensure safe and secure transactions, giving you peace of mind with every advance.

Stop letting delayed payments dictate your business strategy. Get the financial flexibility to stay focused on what you do best, closing deals and scaling your success.

Your commission. Your timeline. Your growth.

Frequently Asked Questions

	Who qualifies for the advance? Agents with a verifiable closing under contract scheduled to close within 60 days, or an active listing that has been on the market for less than 30 days.
	Is this a loan? No, this is not a loan. It’s a commission advance — meaning you’re accessing your own future earnings ahead of closing. There’s no credit check, no debt on your record, and no monthly payments.
	How fast will I receive the funds?  Once approved, funds are typically delivered the same day by wire transfer — often within a few hours.
	Can I use this for multiple deals? Yes. You can request commission advances for multiple deals, as long as each one meets the qualification criteria. Limits apply based on your sales history.
	What’s the fee or cost? When you click the link on your listing in Paragon, you’ll see your advance options and a fixed fee — no upfront costs. The fee is deducted at closing and is lower than most credit cards, with better terms. No personal liability. No credit impact. Everything is disclosed upfront.
	What happens if my sale is delayed or cancelled? No problem. There are no late fees or penalties. If your sale is delayed, repayment shifts with closing. If the deal is cancelled, repayment simply comes from your next transaction.