If your Real Wallet Capital shows $0 in available borrowing power or you do not see an option to apply, your account may be affected by one of three common factors:
- Not Pre-Approved Yet: Your profile is not currently pre-approved based on your production history and pipeline with Real.
- Outstanding Commission Advance Hold: You have an active commission advance on record that needs to be cleared.
- Outstanding Brokerage Debt Hold: You have an unpaid debt owed to The Real Brokerage that will be automatically recovered on your next closing.
You Are Not Pre-Approved at This Time
What You See in reZEN:
"Capital pre-approval is based on your production history with Real. Your pre-approval status is reviewed periodically, typically weekly. You can always check your pre-approval status here and we will notify you if you become eligible to apply."
How to Resolve:
- Why this happens: Eligibility and borrowing limits are calculated dynamically based on your closed production history and business activity with The Real Brokerage.
- What you can do: No manual action is needed. Pre-approval evaluations run periodically (typically weekly). You can check your Wallet tab at any time, and you will receive a notification if you become eligible to apply.
Outstanding Commission Advances
If you have an active commission advance, borrowing power is placed on hold until your advance balance is updated or cleared.
What You See in reZEN:
"Borrowing is temporarily on hold due to outstanding commission advances totaling [$Amount] on your account. They will be recovered as your upcoming transactions close. Once your commission advances are cleared, your pre-approval status will be updated."
How to Resolve:
- Log in to reZEN and go to the Overview tab.
- Scroll down to Commission Advances to view your listed balance.
- If this amount has been repaid or is inaccurate, contact your commission advance provider to request an updated official statement.
- Have your provider email the statement directly to cadcommissionadvances@therealbrokerage.com.
Important Note: Do not send updated statements to Wallet Support. Only the Commission Advances team can process statement updates to lift the hold. Allow 1–2 business days after receipt for your profile to update.
Outstanding Brokerage Debt
If you owe an outstanding balance or debt to The Real Brokerage, borrowing is paused until the balance is resolved.
What You See in reZEN:
"Borrowing is temporarily on hold due to outstanding brokerage debt totaling [$Amount] on your account. They will be recovered as your upcoming transactions close. Once your debts are cleared, your pre-approval status will be updated."
How to Resolve:
- No manual action is required. This hold remains in place until your next transaction closes and the outstanding debt is fully recovered from your payout.
- As soon as the debt is collected in full during payout processing, the hold will automatically be removed and your borrowing status will refresh.
Need Further Assistance?
If you have questions regarding brokerage debt calculations or account eligibility, reach out to our team at wallet@therealbrokerage.com.
Legal Disclosures
Terms and conditions apply. Real Wallet Capital is a business loan product offered by Real Broker Lending Canada LTD. Loans are for business purposes only and may not be used for consumer or household purposes. Pre-approval is not a guaranteed offer of credit and is reassessed periodically and in real-time based on your business history and account status with The Real Brokerage. Eligibility is subject to the absence of outstanding commission advances or brokerage debts at the time of your request. Final approval is subject to eligibility verification, including review of outstanding advances, brokerage status and debts, account status, and ability to repay. Funds typically arrive within 1 to 3 business days following final approval; transit times are dependent on external financial institutions and are not guaranteed. See important information here: onereal.link/wallet-terms.