Upfront

What Upfront does

Upfront (Upfront Advances Inc.) is a New York-based, venture-backed software company founded in 2023 that builds Vero, a back-office platform for residential real estate brokerages. The platform unifies transaction management, compliance review, commission disbursement, and agent financial services in a single system, with modules including Upfront Docs (AI-native document and compliance review), Upfront Care (healthcare and benefits for agents), Agent Wallet (embedded financial tools), SoloK (tooling for 1099 contractors), and Ops as a Service. Upfront reports 80+ brokerage customers representing 20,000+ agents and processes 50,000+ transactions per year, with $1.5B+ in commissions and $22B+ in real estate transaction volume flowing through the platform; named customers include RE/MAX, JPAR, Coldwell Banker Canada, NextHome, Heritage 1st, and RE/MAX Alliance, and channel partners include the Austin Board of REALTORS, Oklahoma Association of REALTORS, and MoxiWorks.

The platform's core technology combines AI-driven document and compliance review (NLP and computer vision) with transaction workflow automation, and is built on an AI-native architecture rather than as legacy add-ons. Upfront monetizes through custom, transaction-volume-based pricing rather than per-seat SaaS, aligning revenue with brokerage throughput. The company closed a $2.5M funding round in September 2024 and acquired MoxiBalance from MoxiWorks in May 2025, materially expanding its agent base and distribution. Operational scale remains small at 1-10 employees despite the customer footprint, which constrains the current revenue base even as the business reports 38% YoY transaction growth and rapid module expansion.

Name

Upfront

Legal name

Upfront Advances Inc.

Website

https://myupfront.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Upfront builds Vero, an AI-native back-office platform that unifies transactions, compliance, commissions, and embedded financial services for residential real estate brokerages, serving 80+ brokerages and 20,000+ agents processing 50,000+ deals per year.

Ownership category

akta.pro rank

Product category

Real Estate Back Office Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro industry

PRIMARYFSAGALAK

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYBPAAAGAF

Fixed Assets Accounting (Capitalization, Depreciation, Asset Register)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Finance & Accounting Outsourcing (AP/AR, GL, Billing)

SECONDARYFSAGAGAD

Customer Engagement, CRM & Agent/Broker Enablement Platforms

Financial & Insurance/Financial Technology (Fintech)/Insurtech Platforms (Digital Insurance Enablement)

Keywords

• Real estate back office software
• Trust accounting platform
• Commission disbursement software
• AI compliance review
• Agent financial services

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Back Office / Vero Platform: Subscription pricing for back-office platform. Custom pricing based on deal volume, services covered, and hours of operation. Replaces multiple legacy tools.
2. Agent Benefits (Care): Healthcare platform deployed at no cost to brokerages. Agents pay own premiums. Brokerages gain recruiting/retention advantage.
3. Agent Wallet: Financial tools for agents including early commission access, savings, bill pay. Participation-based economics that grow with brokerage roster.
4. MLS/Association Partnerships: White-labeled deployment at MLS-pricing with revenue share on member adoption. Participation-based economics as adoption grows.
5. Ops as a Service: Variable cost model tied to actual transaction volume. Three tiers from AI-only to fully outsourced. Operates as managed services with US-based TC team.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Upfront is an AI-native financial platform for residential real estate brokerages, anchored by Vero, a unified back-office ledger that consolidates trust accounting, commission disbursement, agent onboarding, document management, and reporting into a single system. It sells modular add-ons (Upfront Docs AI compliance, Care healthcare benefits, Agent Wallet financial tools, SoloK retirement, and Ops as a Service managed outsourcing) to brokerages and MLS partners across the US and Canada.

Product overview

Upfront is an AI-native financial platform for residential real estate, offered as a modular platform-plus-modules architecture. The core product is Vero, a brokerage back-office platform that unifies trust accounting, commission disbursement, agent onboarding, document management, and reporting under one ledger. Additional modules include Upfront Docs (AI-powered compliance review), Care (healthcare benefits), Agent Wallet (financial tools including savings and early commission access), SoloK (Solo 401(k) retirement), and Ops as a Service (managed outsourcing). Products can be deployed standalone or together, with brokerages choosing plug-and-play or end-to-end implementation.

Differentiator

Problem solved

Functional benefit

Brands

• Vero: Brokerage back office software providing trust accounting, commission disbursement, agent onboarding, document management, and reporting under one ledger. Originally acquired as MoxiBalance from MoxiWorks and rebranded.
• Care
• Upfront Docs
• SoloK
• Operations as a Service

Products and services

• Vero Unified brokerage back-office platform that consolidates trust accounting, commission disbursement, agent onboarding, document management, and reporting under one ledger. Purpose-built for residential real estate with multi-entity and franchise support, beneficiary-level ledger segregation, and three-way reconciliation.
• Upfront Docs AI-powered compliance review tool that reads transaction documents, compares them against brokerage-specific compliance rules, and routes flagged items for human review with an annotated summary and immutable audit trail.
• Care National broker-branded healthcare platform providing medical, dental, vision, life, and supplemental benefits to 1099 real estate agents, with guaranteed-issue supplemental benefits and year-round enrollment through nationally recognized PPO networks.
• Agent Wallet Broker-branded financial hub for 1099 agents providing high-yield savings, bill pay, expense management, and early access to earned commissions on pending closings, with same-day money movement on closings and direct data pull from the back-office.
• SoloK Pooled Employer Plan (PEP) Solo 401(k) retirement plan purpose-built for independent real estate professionals, allowing up to $70,000/year in tax-advantaged contributions ($77,500 if 50+) with zero compliance burden on the brokerage.
• Ops as a Service Managed back-office outsourcing service combining Upfront's technology with a US-based transaction coordination team that has real brokerage experience. Offered in three tiers — AI Ops Partner (AI layer on existing stack), full platform with client team, and fully outsourced DIY+ — with variable cost scaled to transaction volume and 30-75% reduction in back-office operating costs.

Quantifiable outcome

• 64% reduction in compliance review time
• +5 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability6 records

Feature6 records

Partnerships

Three partnerships are on record, tiered flagship and core.

• Austin Board of REALTORSflagshipChannel Partner/ Reseller/ Distributor · 3 February 2026First association to partner through NAR REACH Labs program graduate. Delivering healthcare insurance platform (Care) for 18,000 members as broker-branded member benefit.
• Oklahoma Association of REALTORScoreChannel Partner/ Reseller/ DistributorState-wide partnership providing back-office, compliance, and financial tools as member benefits under association brand.
• MoxiWorkscoreTechnology or IntegrationAcquired MoxiBalance back-office product from MoxiWorks. Rebranded as Vero, anchoring Upfront's end-to-end brokerage operations stack.

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• RealScout: Agent productivity and home search platform co-founded by Upfront COO Pierre Calzadilla. Adjacent rather than direct — shares target buyer (brokerages and agents) but focuses on consumer search and lead conversion rather than back-office.
• Stessa: Financial management software for real estate investors (owned by Roofstock). Comparable embedded-finance and per-transaction data approach to Upfront's Agent Wallet, but focused on investors rather than brokerages.
• Earnnest: Digital earnest money and closing payment platform for real estate. Adjacent fintech play that overlaps with Upfront's Agent Wallet and embedded financial services angle on broker-led payments.

Others

• Offerpad: iBuyer with embedded real estate services and agent-affiliated offerings. Not a direct competitor but a useful comp on the trajectory of verticalized real estate fintech platforms expanding into brokerage-adjacent services.

Direct peers

• SkySlope: Transaction management and compliance platform for brokerages and agents. Directly comparable to Upfront Docs (AI compliance) and adjacent to Vero on transaction workflow, and a frequent integration partner rather than substitute.
• MoxiWorks: Largest pure-play back-office and CRM platform for residential brokerages. Upfront acquired MoxiBalance from MoxiWorks and competes head-to-head for the same brokerage CIO/COO buyer with overlapping trust accounting, transaction management, and agent productivity modules.
• DotLoop: Transaction and e-signature workflow product owned by Inside Real Estate. Competes with Upfront's transaction management and document workflows inside Vero and is one of Upfront's listed integration partners.
• Inside Real Estate: Enterprise real estate platform combining kvCORE, DotLoop, and brokerage websites. Overlaps with Upfront's back-office, CRM, and transaction stack and competes for the same enterprise brokerage contracts.
• Brokermint: Commission accounting and back-office platform purpose-built for real estate brokerages. Direct overlap with Upfront's Vero and Agent Wallet modules on commission calculation, disbursement, and agent onboarding.
• Lone Wolf Technologies: Established residential brokerage back-office and accounting suite (formerly brokerWOLF). Competes with Upfront's Vero on trust accounting, GL, and transaction management and is the incumbent Upfront is most often displacing in mid-market deals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/get-upfront
• Xx.com/Upfrontable

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Upfront