The Cash Flow Triangle:

How to Track What Came In, What Went Out, and What Never Made it to the Bank

As an agency owner, you are doing more than selling policies; you are managing a complex financial ecosystem. If you are relying on spreadsheets to track commissions, you are likely only seeing a fragment of the picture.

To truly master your business, you need to answer three questions instantly: What did we earn? What are we missing? And what do we owe our producers?

Commission Tracker (CT) answers these questions with three powerhouse reports: APR, AR, and ACE. Here is a deep dive into how these reports track the lifecycle of every dollar.

1. The “Source of Truth”: Agency Payments Received (APR)

Shows: Revenue Coming In

Before you split a dime with your agents, you need to know exactly what hit your bank account. The Agency Payments Received (APR) report is your high-level audit tool. It tracks the total commission received from the Carrier before it is split among agents.

This report is your “source of truth” for agency revenue.

• Tax Time Savior: The APR report is essential for reconciling against Carrier 1099s. You can run this report by Carrier to instantly match CT’s totals against the tax forms you receive.
• Spot Trends: With the new APR Annualized Report, you can view your revenue totals across a 12-month grid. This allows you to spot seasonal peaks and valleys instantly.
• Flexible Views: Whether you need to see revenue broken down by State (crucial for multi-state agencies) or verified against specific Import/Reconcile sessions, the APR report ensures that what you think you made matches what you actually made.

2. The “Revenue Rescue”: Accounts Receivable (AR)

Shows: Revenue That Never Made it to the Bank

This is the report that pays for the software itself. The Accounts Receivable (AR) report doesn’t show you what you have; it shows you what you are missing.

Many agencies confuse “Discrepancy” reports (which show underpayments) with “Accounts Receivable.” The AR report is different—it tracks payments that never arrived at all.

• Stop Working for Free: The AR report itemizes exactly how much commission is outstanding for each policy. If a carrier misses a payment entirely, this report flags it.
• Age Your Debt: You can filter by “Month(s) Overdue” to see which payments are 30, 60, or 90+ days late. This allows you to prioritize which carriers to call first.
• The “Setup” Secret: Because the AR report relies on knowing what you should have been paid, it works best when you utilize CT’s Carrier Tables to calculate Expected Commissions.

Don’t let “leaks” drain your agency. The AR report ensures that every policy you write actually results in money in the bank.

3. The “Producer Paycheck”: Agent Commissions Earned (ACE)

Shows: Revenue Going Out

Once you’ve verified your income (APR) and chased down missing money (AR), it’s time to pay your team. The Agent Commissions Earned (ACE) report is the engine that drives your payroll.

This report provides detail on every commission earned by agents during a pay period, handling even the most complex splits automatically.

• Total Transparency: You can choose how much detail your agents see. Format options include Detail (% of Premium), Detail (by Carrier), or a “Hybrid” view that shows their earnings as a percentage of the agency’s earnings.
• Effortless Distribution: Stop printing and stuffing envelopes. With a single click, you can email the ACE report directly to all your agents as a PDF attachment.
• Payroll Ready: Need a quick summary for your accountant? Run the “Summary Only” format to get a clean list of totals by agent, perfect for cutting checks or entering into QuickBooks.

The Bottom Line

Running an agency without these three reports is like flying a plane with no instrument panel.

1. APR confirms what you made.
2. AR finds what you lost.
3. ACE ensures your team is paid accurately.

Ready to see your agency’s finances with 20/20 vision? Schedule your Commission Tracker Demo Today and take control of your cash flow.