Draw

An advance against future commission, used to provide income stability during ramp or seasonal variation.

Recoverable and non-recoverable

A recoverable draw is a loan repaid from future commission; a non-recoverable draw is guaranteed income. The distinction is material to both the seller's risk and the company's cost, and confusing the two in an offer letter creates a dispute later.

Recoverable draws can trap

A rep who accumulates draw debt during a slow period may be unable to earn out of it, which produces attrition at exactly the wrong moment.

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