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Loan Repayment & Wallet Access
If you have left Real you will be required to payback your loan immediately per the terms of the loan. Your Real Wallet accounts will stay open for 30 days after your reZEN account moves to inactive.
Important Loan Terms
- Immediate Repayment (Acceleration): The Lender has the right to declare the entire remaining loan balance, including all accrued interest and fees, immediately due and payable.
- Event of Default: The agreement explicitly states that if the Residential Independent Contractor Agreement (ICA) is terminated for any reason by either party, it constitutes a default. This applies even if you stay affiliated with the brokerage in a different capacity, such as becoming a "Referral Agent"
- Withholding of Income: The Lender can immediately retain any pending commissions, revenue share payments, or other compensation to pay off the outstanding balance. You irrevocably assign the right to these earnings to the Lender to satisfy the debt
- Collection Actions: The Lender may initiate collection efforts, assign the debt to a collection agency, or pursue other legal remedies to recover the funds
How do I make a payment today?
- Open Wallet in reZEN
- Click Make a Payment in the Capital Section
- Select which account to pay from (Business Checking or Tax Planning).
- Enter the repayment amount
- Tap Continue, review the details, and hit Submit Payment.
If further assistance is needed, please reach out to wallet@therealbrokerage.com.
Real Wallet Capital is a business loan product offered by either Real Broker Financial, LLC or Real Broker Lending, LLC depending on your state, and the lender for your loan will be identified in your loan agreement. Loans are available only in select states and require an active Real Wallet Business Checking Account and single-check commission payments. Loans are for business purposes only and may not be used for consumer or household purposes. Pre-approval and the potential loan amount are determined based on your business history and financial performance with The Real Brokerage. Pre-approval is not a guaranteed offer of credit. Final approval is subject to eligibility verification, underwriting, and review of account status, including outstanding advances and brokerage debts. Repayment terms include monthly payments of 2% of the outstanding balance plus variable payments tied to commission and revenue share income. For approved loans, same-day funding is generally available for applications submitted before 3:00 p.m. ET on business days; funding times may vary and are not guaranteed. Pre-qualification for Real Wallet Capital is evaluated periodically (typically weekly). Log in to reZEN to confirm current pre-approval status. All loans are subject to applicable laws and the terms of your loan agreement.