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4.8 on Trustpilot · 100+ reviews

Your income isirregular. Yourlife shouldn't be.

Tongo turns the commissions you've already earned into predictable, working cash flow. Instant advances, embedded banking, and automatic savings, all in one wallet.

Why Tongo

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Commission income is lumpy. Tongo smooths it out, so agents get paid sooner and brokers grow without the overhead.

For agents

Cash before closing

Advance up to 75% of a pending commission, up to 60 days early. The money you have already earned, when you need it.

For agents

Taxes & savings on autopilot

Every commission auto-splits across taxes, savings and investing the moment it lands.

For agents

One wallet for 1099 life

Banking, a branded card and AI insights in one place, built for irregular income.

How it works

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Watch how money moves through Tongo, automatically.

1

Set it once.

Decide how each commission should be split across taxes, savings, investing and operating cash. Tongo remembers.

  • ✓ Automatic tax set-aside
  • ✓ Savings & investing on autopilot
  • ✓ Operating cash, always on hand
2

Bank where your money lives.

Business checking, high-yield tax savings and your broker contributions. One balance, every account connected.

  • ✓ 3.5% APY on tax savings
  • ✓ No minimums, no monthly fees
  • ✓ FDIC-insured through our bank partner
3

Get paid before closing.

Need cash now? Advance against deals you've already closed. Short-term, transparent, transferred instantly.

  • ✓ Instant transfer to your account
  • ✓ Repaid automatically from the commission
  • ✓ No credit check, no hidden fees
White-label for brokerages

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Launch a fully branded wallet and card for your agents on Tongo's rails. No banking license, no engineering team.

01

Launch in weeks

A fully branded wallet and card on Tongo's rails. No banking license, no engineering team.

02

Keep your agents close

A wallet your agents use every day creates real switching cost and lasting loyalty.

03

Grow revenue

Earn on every payment and product. A new, diversified revenue line with less overhead.

Trusted by agents at leading brokerages

AnywhereCentury 21JPARAvanti WayEXIT RealtyDouglas EllimanFathom RealtyRE/MAXREACHeXp RealtyAnywhereCentury 21JPARAvanti WayEXIT RealtyDouglas EllimanFathom RealtyRE/MAXREACHeXp Realty
Agents love us

Real peace of mind, on real reviews.

★★★★★ Excellent · 4.8 out of 5 · 114 reviews on Trustpilot
★★★★★

"I must say this was a seamless experience. The process was very quick. This is my new go-to for keeping my business well financed."

LH
Loria Hamilton-FieldReal estate agent · US
★★★★★

"No clunky paperwork, no hoops. I applied and had funds the same day, and the pricing was crystal clear."

DR
Danielle R.Realtor · TX
★★★★★

"Between closings the income gaps used to stress me out. Tongo smooths it out completely."

KO
Kevin O.Real estate agent · FL
★★★★★

"Switched from a traditional commission advance company. Tongo is faster and way cheaper."

RB
Rachel B.Broker associate · CA
★★★★★

"I must say this was a seamless experience. The process was very quick. This is my new go-to for keeping my business well financed."

LH
Loria Hamilton-FieldReal estate agent · US
★★★★★

"No clunky paperwork, no hoops. I applied and had funds the same day, and the pricing was crystal clear."

DR
Danielle R.Realtor · TX
★★★★★

"Between closings the income gaps used to stress me out. Tongo smooths it out completely."

KO
Kevin O.Real estate agent · FL
★★★★★

"Switched from a traditional commission advance company. Tongo is faster and way cheaper."

RB
Rachel B.Broker associate · CA
★★★★★

"Tongo was a game changer. The cash flow from my pending commission gave me real peace of mind when I needed it most."

MK
Max KarenReal estate agent · US
★★★★★

"Feels like a line of credit built for agents. I only pay for what I use, and it is repaid when my deal closes."

MT
Marcus T.Realtor · GA
★★★★★

"The card plus the advance in one app is genius. I run my whole business from it now."

AM
Angela M.Real estate agent · AZ
★★★★★

"Tax season does not scare me anymore, everything auto sets aside. Wish I had found this sooner."

JK
Jordan K.Realtor · CO
★★★★★

"Tongo was a game changer. The cash flow from my pending commission gave me real peace of mind when I needed it most."

MK
Max KarenReal estate agent · US
★★★★★

"Feels like a line of credit built for agents. I only pay for what I use, and it is repaid when my deal closes."

MT
Marcus T.Realtor · GA
★★★★★

"The card plus the advance in one app is genius. I run my whole business from it now."

AM
Angela M.Real estate agent · AZ
★★★★★

"Tax season does not scare me anymore, everything auto sets aside. Wish I had found this sooner."

JK
Jordan K.Realtor · CO
★★★★★

"I had a real challenge on my hands and Tongo came through. Fast, transparent, and exactly what the self-employed have been missing."

ML
Matt LobelReal estate agent · US
★★★★★

"Customer service actually picks up and helps. They walked me through everything, start to finish."

PS
Priya S.Broker · NJ
★★★★★

"Approved in minutes against a pending commission. The transparency on fees is what sold me."

TV
Tomás V.Real estate agent · NV
★★★★★

"Simple, fast, transparent. Exactly what a 1099 professional needs. Five stars."

SC
Sofia C.Realtor · NC
★★★★★

"I had a real challenge on my hands and Tongo came through. Fast, transparent, and exactly what the self-employed have been missing."

ML
Matt LobelReal estate agent · US
★★★★★

"Customer service actually picks up and helps. They walked me through everything, start to finish."

PS
Priya S.Broker · NJ
★★★★★

"Approved in minutes against a pending commission. The transparency on fees is what sold me."

TV
Tomás V.Real estate agent · NV
★★★★★

"Simple, fast, transparent. Exactly what a 1099 professional needs. Five stars."

SC
Sofia C.Realtor · NC

Finance for the
self-employed starts here.

Join thousands of professionals turning irregular income into predictable cash flow.

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