[Rick Lee]

When you don't have to pay it back during the ramp-up period, it's called a non-recoverable draw. You usually get to keep commissions earned in that period as well, as an extra bonus. After the non-recoverable draw period, it's a draw against future commissions. If you're 100% commission, they have to give you a draw because they need to withold taxes more often than you're usually paid commissions.