For Brokers & Originators
Build your own agency.
Earn on every closing.
Encore is the only commercial & business-loan platform where you can recruit sub-brokers under you and collect an override commission on every deal they fund — for as long as they're on your team.
Override commissions
Recruit sub-brokers under you. Earn a configurable 10–25% override on every deal they fund — paid automatically into your ACH account.
Personalized apply link
Each originator gets a custom URL + QR code (encorecap.com/b/yourname). Borrowers apply directly to you — every deal is attributed and protected.
Back-office on autopilot
Underwriting, processing, lender placement, e-signatures, and closing — handled. You focus on relationships; we run the file from app to wire.
How the override works
You close. They close. You both win.
Encore's sub-broker engine generates an override commission record automatically whenever a broker on your team funds a deal. No spreadsheets, no chasing splits — the split you set when you invited them is locked into every funded deal.
Invite a producer
Send a magic-link invite. They join under you with the override % you set.
They fund a deal
The system auto-creates a commission for them at the agreed % — and yours.
Both get paid
Direct ACH every funding. View your agency leaderboard in real time.
Run the math
What could your agency earn?
Drag the sliders. Numbers update live. Based on a 2% average commission per funded deal — a conservative platform-wide baseline.
Estimated annual override
$9,000
Per producer per year: $3,000
Based on $1,000,000 funded volume / broker · 15% override split · 3 producers.
encorecap.com/broker-recruit · Override commissions are 100% passive once a producer is on your team.
From application to first override
Three steps to start earning.
Apply to originate
A quick onboarding form with banking + W-9 — submitted directly to our compliance desk. Approval within 24 hrs.
Close your first deal
Submit through your private dashboard. Underwriting, lender placement, and closing happen inside the portal.
Invite producers under you
Build your agency. Every override is auto-tracked, auto-paid, and visible on your real-time leaderboard.
Talk to recruiting
Not ready to fill out the full broker app yet?
Drop a few details — our recruiting lead will reach out within one business day for a 15-minute call. No pressure, no auto-DRIP, no sales spam. We'll explain the splits, the back-office process, and answer anything you want to know.