Managing Breakaways in your business
Use this guide to understand your responsibilities when a Loan Writer leaves your business (“Breakaway”) and joins another Connective partner group. It explains how CA numbers, accreditations and commissions are handled, and how to generate the Breakaway Upfront Commissions Report so Connective can correctly manage upfront payments.
What is a Breakaway?
A Breakaway occurs when a Loan Writer moves from one Connective partner group to another. When this happens, the Loan Writer is issued a new CA number under the new group, while their old CA number remains active under the previous group.
Commissions continue to follow the CA number the loan was originally attributed to unless Connective reallocates them based on instructions from both groups.
Important:
Commission ownership must be confirmed between both partner groups. Connective does not determine ownership but will action the agreed instructions.
How CA numbers and accreditations are handled
Commissions are tied to the Loan Writer’s Broker Record (CA number).
Loans submitted under the old CA number continue to pay commissions to the old partner group unless reallocated.
Loans submitted under the new CA number will be paid to the new partner group.
Lender accreditations are not cancelled during a Breakaway. Most accreditation IDs identify the Loan Writer as a Connective broker, not a specific partner group.
Note:
The Connective Commissions Team manually assigns incoming commissions based on ownership instructions provided by both groups.
Setting the Separation Date
The Business Principal and the Breakaway Loan Writer must agree on a Separation Date.
This date determines which loans belong to the old group, which belong to the new group, and which upfront commissions may need monitoring or redirection.
Tip:
Confirm the Separation Date in writing to avoid disputes.
Generating the Breakaway Upfront Commissions Report
On the Separation Date, the Business Principal must generate a Breakaway Upfront Commissions Report. This report lists all opportunities and loan applications submitted under the old CA number that have not yet received upfront commissions.
To generate the report in Mercury Nexus:
Log in to Mercury Nexus.
Navigate to the [link: Reports] area.
Select Business statistics.
Choose the Breakaway’s name in the All users dropdown.
Set the relevant date range.
Select the appropriate loan status.
Click Launch report.
Email the completed report to [email protected] and provide a copy to the Breakaway Loan Writer.
How the Commissions Team manages upfront commission redirection
After receiving the Breakaway Upfront Commissions Report, the Commissions Team will monitor the listed loans for three commission runs.
During this period, the team will:
redirect upfront commissions for those loans to the Breakaway’s new CA number
confirm each redirection with both partner groups
track any late-arriving upfront payments
After the three-month monitoring period, any remaining upfront commissions will still be forwarded to the Breakaway. Any required commission splits must be arranged directly between the old and new groups.
Important:
Connective does not mediate commission-ownership disputes. Partner groups must provide clear, aligned instructions.
Need help?
If you need help managing a Breakaway or generating required reports, contact your Partnership Manager or email [email protected].