Regulated financing
Every advance is funded by our trusted UAE financial partner, licensed and regulated in the UAE — never from FastPay’s own balance sheet.
RECAP — real-estate commission advances in Dubai, Abu Dhabi, and the wider GCC — Sell the skyline.
Get paid in days.
RECAP — the Real Estate Commission Advance Platform for Dubai, Abu Dhabi, and the wider GCC. The moment a developer approves a commission invoice, our trusted UAE financial partner funds it in 2–9 days — non-recourse to your agencies, with developers settling at term.
RECAP · Real Estate Commission Advance PlatformDubai · Abu Dhabi · UAE · GCC
- Structure
- Non-recourse
- Currency
- AED
- Settlement
- At term
FastPay is a technology platform. All financing is provided by our trusted UAE financial partner, licensed and regulated in the UAE.
§ IIThe market
A record market, paid on a delay.
UAE real estate keeps breaking records — and its commissions keep clearing in 45 to 90 days. That gap is the product.
- Dubai sales · Q1 2026
- $48bn
- Dubai sales · 2025
- $116bn
- Commission payouts due daily
- 300+
- Average commission
- ~4%
- Q1 2026 sales off-plan
- ~70%
Publicly reported market figures (Dubai Land Department data via WAM, Gulf Business, Property Finder; Q1 2026 market reports). Rounded; shown for context, not as an offer.
§ IIIThe wait
Ninety days of waiting.
Compressed to days.
Real-estate commissions take 45 to 90 days to clear. Agencies float payroll. Agents leave. Marketing budgets stall. FastPay compresses that wait to the days it takes a developer to countersign.
Today
45–90days
From property sale to commission paid.
With FastPay
2–9days*
From developer approval to funds in the agency's account.
*Indicative, post-developer approval; subject to KYC, eligibility and processing cut-offs. Settlement is between the developer and the funding partner. The advance is non-recourse to the agency under the facility’s standard terms — fraud, dispute and cancellation carve-outs apply.
§ IVOperating principle
Same parties.
Same paperwork. Faster money.
RECAP slots into deals the way they already work — agency, developer, funding partner — and compresses the cash cycle to days. Nothing changes about how a commission is earned. Only how long it takes to arrive.
- I
Agency files the claim
The brokerage submits the commission invoice with its deal reference and supporting documents — once, in one place.
Step 01 of 04 - II
Developer countersigns
The developer validates the invoice against the contract and approves it. The signature locks the record into an immutable audit trail.
Step 02 of 04 - III
Partner advances funds
Our trusted UAE financial partner advances the commission directly to the agency — funds land two to nine days from approval, subject to KYC and processing cut-offs.
Step 03 of 04 - IV
Developer settles at term
The developer settles with the funding partner at term. The advance is non-recourse to the agency under the facility's standard terms.
Step 04 of 04
One deal on the clock
- Day 0
Developer approves the invoice
- Day 2–9
The partner funds the agency
- Day 90
Developer settles at term
Indicative timeline. Funding subject to KYC, eligibility and processing cut-offs; settlement at the developer’s contractual term.
§ VFor agencies
Stop floating ninety days of payroll.
Cash within days of approval, not quarters. Reinvest in agents, marketing and listings — not in a credit line. Under the facility’s standard terms, settlement is with the developer, not with you.
- Funds within 2–9 days of developer approval
- No credit check — the approved invoice is the collateral
- No loan process, no minimums, no subscription
- Non-recourse to the agency, subject to standard carve-outs
§ VIFor developers
The developer of choice
pays in days.
Every agency ranks its developers by one number: how fast the commission arrives. FastPay makes you the fastest payer in the market without moving a dirham earlier — our partner advances, you settle at term.
Request access- Win the listings
- Agencies prioritise developers who pay first. Yours becomes the stock they push.
- Keep every term
- Nothing changes on your side of the contract — settlement stays at term.
- Zero balance-sheet impact
- The advance sits between the agency and our funding partner. Your facility, your covenants, untouched.
- Hold your salesforce
- Agents stay where commissions clear. Faster payouts cut agency churn on your projects.
- One-click approvals
- Validate the invoice against the contract and approve — every action lands in an append-only audit trail.
- Clean reconciliation
- Approvals, invoices and settlement history in one record, exportable for finance.
§ VIIWorking with us
The questions every CFO asks first.
- Pricing
- A single, transparent advance fee, deducted at funding. No subscription, no minimums, no setup cost. Indicative pricing is shared on the first call.
- Eligibility
- We onboard developers with active sales programmes in Dubai, Abu Dhabi, and the wider GCC, and the brokerages that sell for them. KYC and partner onboarding precede the first advance.
§ VIIIThe funding rail
Built on the rails of a
trusted financial partner.
RECAP is delivered in partnership with one of the region’s most established financial institutions, licensed and regulated in the UAE. The advance, the rail and the settlement are our partner’s. The platform is ours — FastPay operates as the technology layer.
Regulated funding rail
Financing provided by our UAE financial partner, licensed and regulated in the UAE.
Append-only ledger
Every approval, change and settlement is recorded — nothing rewritten.
The rail · assurancesDubai · Abu Dhabi · UAE · GCC
Non-recourse structure
The advance is non-recourse to the agency under the facility’s standard terms, with the usual fraud, dispute and cancellation carve-outs.
AED settlement rails
Funding and settlement run in dirhams, on our partner’s own domestic payment rails — no intermediary wallets, no currency legs.
Institutional-grade KYC
Agencies and developers are onboarded against our partner’s own KYC and compliance standards before the first advance is funded.
Append-only audit trail
Every submission, approval and settlement is recorded in an append-only ledger — nothing on the record is ever rewritten.
Confidential by design
Deal files, commission terms and counterparty data are visible only to the parties on the deal and the partner funding it.
The identity of the funding partner is shared during onboarding, under the agreements executed at that stage.
§ IXReference
Frequently asked,
briefly answered.
Seven questions we hear on every first call. Anything beyond is best taken offline — say hello and we’ll walk you through the facility.
- What is a Real Estate Commission Advance Platform (RECAP)?
- RECAP is FastPay’s real-estate commission advance platform. It lets brokerages receive their commission within days of a developer approving the invoice, instead of waiting the customary 45 to 90 days. The funding is provided by our financial partner; the developer settles at the original term.
- Is the advance non-recourse to the agency?
- Yes — under the facility's standard terms. Standard fraud, dispute and cancellation carve-outs apply. Settlement is with the developer, not the agency.
- What does it cost the developer?
- The advance fee is the agency's; there is no platform charge to the developer and no balance-sheet impact. Developers approve invoices as they do today and settle the approved commission at term.
- Why would a developer join?
- Agencies steer buyers toward developers who pay commissions fastest. Joining makes every brokerage on your projects a 2–9-day payer — funded by our financing partner, at no cost to your terms.
- Who provides and regulates the financing?
- All financing is provided by our trusted UAE financial partner, licensed and regulated in the UAE. FastPay RECAP is the technology platform that submits, approves and tracks the records the partner funds against.
- How fast are commissions funded after approval?
- Typically 2–9 days from developer approval. Actual timing is subject to KYC, eligibility and processing cut-offs.
- Currency and geography?
- AED, focused on developer programmes across Dubai, Abu Dhabi and the wider UAE.
§ XBy introduction
Onboarding is by
invitation.
We work with brokerages and developers on a curated basis. Agencies: tell us who you sell for and we’ll open the door. Developers: tell us about your projects and we’ll come back with a term sheet. Either way, our team replies within one business day.
hello@fastpayfinance.com
Peter Lee
CEO · Founder
FastPay FinTech Financing LLC
Real Estate Commission Advance Platform
Access slip · 01
ConfidentialFromDubai · Abu Dhabi · UAE · GCC
In partnership withOur trusted UAE financial partner