# Tongo Financial — instant access to income

> instant access to income (iPhone/iPad app by Tongo Financial Inc.)

- Source: https://appshunter.io/ios/app/tongo-financial/id1628112007 (this page in markdown: same URL + `.md`)
- Developer: [Tongo Financial Inc](https://appshunter.io/developer/1628112009)
- Category: Finance, Utilities
- Price: Free
- Age rating: 17+
- Requires: iOS 14.0 · 48 MB
- Languages: English, Spanish
- Released: 2023-06-06
- Data updated: 2025-05-29
- User reviews in markdown: https://appshunter.io/ios/app/tongo-financial/id1628112007/reviews.md

## What is Tongo Financial?

Tongo enables real estate agents to turn future cash flow into a line of credit. Limits are based on your pending commissions. Upload multiple transactions simultaneously to build a higher limit. Access your approved limit as needed by either transferring funds to a linked bank account or by swiping the Tongo card. Use as much you want or none at all. It costs just 3% per 30 days and fees are only charged on the amount used. 

Align cash flows: repay when you get paid. Unlike traditional lending products that require payments on a set schedule, Tongo gets repaid when you get paid. That remains true if your deal is delayed. If your deal falls through, you can just repay with the next one. 

Every transaction is between you and Tongo. Like any other financial product, Tongo is completely private. There's absolutely no broker approval or involvement. When your deal closes and you receive your commission, you repay Tongo directly.

HOW IT WORKS:

SIGN UP - Starting your membership only takes about three minutes and it’s completely free to join. Please note we work only with producing, licensed real estate agents and brokers. You don’t need to have a pending deal in order to join Tongo.

SUBMIT YOUR DEAL(S) - To add a pending deal, tell us when it will close and your net commission. Upload as many deals as you would like to access multiple commissions at the same time. We accept residential real estate transactions scheduled to close within 60 days.

PUT YOUR FUTURE COMMISSION TO WORK - Once approved you’ll have an available limit which you can access as needed by either transferring funds to your bank account or by swiping the Tongo card. Use as much as you want or none at all. You only pay for what you use. If you do not access any of your limit, there’s nothing to pay.

PAY FOR WHAT YOU USED - Once the deal has closed and you have received your commission, you can set up a payment direct to Tongo. There’s no brokers or third parties involved!


## Version history (last 5 releases)

### 1.2.4 — 2024-10-28

Bug fixing and improvement

### 1.2.3 — 2024-07-26

Bugfix for new transaction type

### 1.2.0 — 2023-11-13

This version adds instant transfer capability as well as minor bug fixes to keep the app running smoothly.

### 1.0.1 — 2023-06-21

minor bug fixes

### 1.0 — 2023-06-06

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2025-05-29.*