Get your Employee Retention Credit refund in weeks, not months.
If you've filed an Employee Retention Credit claim with the IRS, an ERTC advance lets you access the funds today — without waiting on the IRS processing backlog.
What ERTC advance financing is
The Employee Retention Credit (ERC, sometimes called ERTC) was a federal payroll tax credit created during the pandemic for businesses that kept employees on payroll under specific qualifying conditions. Eligible businesses can claim up to $26,000 per employee.
The catch: IRS processing of ERC claims has been notoriously slow — many businesses are waiting 6–12 months (or longer) for their refund check. ERTC advance financing lets you access most of that refund today, with the lender taking repayment directly from the IRS when the refund arrives.
Important: the IRS has tightened ERC enforcement and many aggressive ERC filings have been rejected or audited. We only work with reputable ERC filings prepared by established tax professionals.
How an ERTC advance works
You provide the lender with documentation of your filed ERC claim — the amount, the filing date, and the supporting calculations. The lender underwrites the credit and the strength of your filing.
If approved, the lender advances 60–90% of your expected refund (less their fee) to your business account within 1–2 weeks. Repayment happens automatically when the IRS issues your refund check — the lender typically receives it directly.
If the IRS reduces your refund amount, you're responsible for the difference. This is why we only work with lenders who advance against well-documented, professionally prepared claims.
What to weigh before you apply.
Pros
- Access your ERC refund without waiting on the IRS backlog
- Fast funding — typically 1–2 weeks
- No restrictions on use of funds
- Repayment comes from the IRS refund — no monthly payments required
Cons
- Only available if you've already filed an ERC claim
- Lender fee reduces your total refund amount
- You're responsible for any IRS reduction of the claim
- Aggressive or undocumented claims may be rejected for financing
Questions before you apply.
Do I need to have filed my ERC claim already?
Yes. ERTC advances are only available against a claim that has been properly filed with the IRS by a qualified tax professional or payroll provider.
What if the IRS reduces my refund?
You're responsible for repaying the difference. This is why lenders underwrite the claim strength — well-documented claims from reputable preparers carry less risk.
Is the ERC even still available?
The ERC was for qualifying wages paid in 2020 and 2021. You can no longer claim ERC for new wages, but if you've already filed an amended return claiming ERC and are waiting on the refund, an advance can bridge the gap.