Letting agents are judged above all on whether landlords are paid on time. FinSphere advances the month’s rental roll to the agency ten days before month-end, so landlords are paid early and reliably regardless of when individual tenants settle. The agency repays the advance in the first days of the following month, with interest charged only for the short period the funds were used. The facility is arranged with the agency rather than with tenants or landlords, and the exposure is covered by credit insurance.