Business Builder or Brokerage Partner?
An LPT Realty alternative for Florida agents
LPT asks you to pick a plan: a $500 fee on every deal, or 20% until a $15,000 cap, plus $195 a transaction either way. Firelight360 keeps it to one plan: 95/5 for life as a founding agent, $49 a year, and no per-deal fee at all.
LPT figures below come from public sources dated 2025–2026 and are listed at the bottom of this page.
Three plans, one table
Firelight360 vs. LPT Business Builder vs. LPT Brokerage Partner
| Item | Firelight360 | LPT Business Builder | LPT Brokerage Partner |
|---|---|---|---|
| What you pay per deal | 5% of the commission | $500 flat per transaction | 20% of the commission |
| Annual cap | None needed | $5,000 (reached after 10 deals) | $15,000 |
| Transaction fee | None | $195 per deal with GCI of $2,500+, before and after cap* | $195 per deal, before and after cap |
| Annual fee | $49 | $500 (includes E&O) | $500 (includes E&O) |
| Optional monthly add-on | None | LPT Plus, $149/mo | LPT Plus, $89/mo |
| Revenue share and stock | Not offered | Stock possible; no revenue share; can’t lead a team | Revenue share down 7 levels, plus stock |
*LPT’s plan document describes the $195 as a fee charged to the customer; many comparisons count it as an agent cost. We show both below. Board and MLS dues apply at every brokerage and aren’t included.
The full year
What each plan costs you in a year
Total paid to the brokerage, assuming a $10,000 commission per deal. Lower is better for you.
| Yearly GCI | Firelight360 | Business Builder (you pay the $195) | Business Builder (client pays the $195) | Brokerage Partner |
|---|---|---|---|---|
| $60,000 · 6 deals | $3,049 | $4,670 | $3,500 | $13,670 |
| $120,000 · 12 deals | $6,049 | $7,840 | $5,500 | $17,840 |
| $250,000 · 25 deals | $12,549 | $10,375 | $5,500 | $20,375 |
Against Brokerage Partner
Firelight360 costs less at every level shown: about $10,600 less at $60K and $11,800 less at $120K.
Against Business Builder, honestly
Business Builder gets cheaper than us once you pass roughly $110,000 in GCI if your clients pay the $195, or about $180,000 if you pay it. Below that, 95/5 costs less.
What we hear from LPT agents
Why some Florida agents look past LPT
- Picking a plan is a bet. Choose Business Builder and have a slow year, and the $500-per-deal math stops working. Choose Brokerage Partner and you give up 20% until $15,000.
- The $195 never goes away. It applies before and after the cap on both plans, so it’s part of every closing.
- Business Builder limits growth. Agents on it can’t lead a team or earn revenue share, per published reporting.
- They want a smaller, broker-led office. A broker who knows their name and answers within 90 minutes.
Fair is fair
When LPT may be the better fit
- You close well over 11 deals a year on Business Builder and pass the $195 to clients.
- You’re actively building a revenue-share organization on Brokerage Partner. We don’t offer revenue share.
- LPT stock awards matter to you and you’re close to vesting.
If that’s you, staying may make sense. If not, let’s run your numbers.
Moving from LPT Realty to Firelight360
Ask LPT in writing first
What happens to unvested stock (published reporting cites three-year vesting) and to any revenue share you’ve earned.
Keep your board and MLS
We belong to ORRA, Suncoast Tampa, RWorld and Space Coast, so most Florida LPT agents don’t change associations.
Bring your team
Your own sub-account and brand, with 95/5 for everyone on it.
LPT agents ask us
Is Firelight360 cheaper than LPT Realty?
Compared with Brokerage Partner, yes, at every production level we modeled. Compared with Business Builder, we cost less for most agents under about $110,000–$180,000 in GCI, depending on who pays LPT’s $195 fee.
Do you have revenue share like LPT?
No. We keep 5% instead of 20% so the money stays with the agent who earned it, rather than funding a downline.
Is there a transaction fee at Firelight360?
No. There’s no per-deal fee, before or after anything. Your costs are 5% of each commission and $49 a year.
Which Florida markets can I work in?
We recruit in Orlando, Tampa, St. Pete, Miami and Fort Lauderdale, Palm Beach County and the Space Coast.
How long does the founding 95/5 last?
As long as your license is with us, with no production minimum.