No matter how well you control your real estate business, you can easily run into a cash flow problem if you are a self-employed professional. Your fixed expenses such as office fees, advertising, phone, and assistant's salary continue every month without fail, but your income can fluctuate drastically from month to month. This can make cash flow management challenging to say the least!

A loan is a little like insurance - it's something you hope you never need, but there are times when it comes in handy. And it's nice to know that should you get into a bind that you have a place where you can go.

A new Web site, Commission Advance Company can provide that quick interim fix between commission checks to keep your business going strong.

Commission Advance offers simple interest loans, but at considerably higher interest than most major credit cards. According to the example shown on the Web site, a short term loan of 2,500 over 30 days will cost about $227 or roughly nine percent. That is a simple interest rate of about 108% per year, versus a credit card rate of 18-24% interest per year. (Thanks, Jerry Koota, for doing the math.)

If you are interested in borrowing, your first step is to open a "Quick Commission Account." This is your line of credit. Once the company receives your application, your account will be ready to use the next business day.

Each time you receive an advance, you will be charged a fee based on the amount of the advance and the time from the advance date to closing, plus a processing fee. You can ask the terms and cost and the site will respond with a total cost.

According to Allen F. Hainge, president of Allen F. Hainge Seminars, Commission Advance also offers preferred pricing and other perks with their Alliance partners. Hainge offers the program through his Web site, featuring a $25 rebate on fees for first time borrowers. Other savings include a special promotion with a $10 rebate on fees for those who obtain advances on-line.