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ERC Advance Payment Loan: Get your employee retention tax credit refund fast and without waiting

Business owners who have qualified for the ERC tax credit can’t wait for the IRS to process their credit checks. Many businesses would prefer to get an advance on their ERC. 

The government has promised to pay the ERC tax refund within 6 weeks, but often they don’t keep their word.

Our service allows companies to cash their checks immediately!

If you know you are going to receive an ERC – Don’t wait!

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What Is An ERC Advance?​

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ERTC advance payment

The Employee Retention Credit Advance is a beneficial program designed to assist business owners who have successfully filed an Employee Retention Credit (ERC) claim

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Faster Access to Funds

With this option, eligible businesses can receive an upfront payment based on their anticipated ERC refund, giving them access to their ERC in an expedited manner

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Timely Financial Relief

Instead of waiting for an extended period of 7 to 12 months to receive the full ERC refund, businesses can choose the option to do an advance and receive a substantial portion of their expected credit within a week

How to apply for an employee retention tax credit advance

Supercharge Your Cash Flow: Say Goodbye to Waiting for ERC Refunds!

Who has time to wait up to 12 months to access their hard-earned Employee Retention Credit refunds? Not you! It’s time to seize control of your cash flow and put your money to work for your small business right now.

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Determine eligibility

Congratulations on qualifying for the Employee Retention Credit (ERC)! Now, it’s time to kickstart your success by unlocking your funds without delay. Say goodbye to waiting and hello to immediate financial empowerment.

We understand the urgency and ambition that drive your business forward. That’s why we’ve created a seamless process that puts you in control. Let us guide you through the steps to expedite your ERC and power up your financial journey.

Calculate Your Expected Amount​

Businesses can qualify for up to 100% of the value of their unpaid ERC and up to $5 million. In order to proceed with the advancement process, you need to have a valid claim for the ERTC with the IRS. The approval and funding amount will be determined based on the expected refund from the ERC.

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Unlock Your Funds Instantly! Say goodbye to delays and hello to immediate cash! With our groundbreaking service, you get paid today eliminating the frustrating wait. We understand the value of your time and finances. That’s why we offer upfront payment for your ERC, putting money in your pocket immediately. Experience the freedom of instant payment and seize the opportunities that await you. Get paid upfront for your ERC to help take your business to the next level.


The ERC program is a  refundable tax credit program through the IRS to reward business owners that maintained and paid W-2 waged employees during the 2020/2021 COVID-19 pandemic. Business owners may be left waiting for up to 1 year to receive payment from the IRS. However, with our ERC lending program, our loans provide a bridge to receive working capital on your ERC refund. 

If your business has a valid ERC claim filed, you may qualify for an advance on your ERC credit. Even if you received a PPP loan. Our quick tool gives you the ability to submit an ERC tax credit advance. Loans are typically based on your credit score. However, with ERC financing there are no minimum credit scores required, only a valid ERC claim.

To get the process started, use our application to learn if you qualify for an ERC loan. Applying is easy and free! Once you submit your inquiry, you will know if you are eligible to get an ERC advance and start receiving your funds. 

Our ERTC advance program is designed for you to get funded fast without the hassle. It takes approximately 1 week to receive your ERC advance. Whereas with the IRS, you could be waiting anywhere from 7-12 months to receive your ERC refund. 

No, there are no interests or repayments involved if your business qualifies for the purchase of the IRS check(s) receivables outright. On the other hand, interest and repayments will be considered if your ERCT funding is structured as a business loan or line of credit. You are not obligated to accept our offer(s) and there is no impact on your credit score when applying.

Small business owners that wish to claim the credit and apply for an ERC bridge funding or receive an advance on their ERC must have filed at least $100k. Our maximum funding amount is $5million. If less than $100k, we can still provide adequate funding with a short-term loan or interest only revolving line of credit. *Some states and industries restrictions may apply

  • Hotels and Hospitality
  • Retail and E-commerce
  • Information Technology (IT) Services
  • Financial Services (Banks, Insurance, Investment)
  • Automotive (Dealerships, Repair, Parts)
  • Real Estate and Property Management
  • Entertainment and Media (Film, Television, Music, Publishing)
  • Travel and Tourism
  • Transportation and Logistics
  • Energy and Utilities
  • Pharmaceuticals and Biotechnology
  • Fashion and Apparel
  • Sports and Recreation
  • Advertising and Marketing
  • Architecture and Interior Design
  • Aerospace and Defense
  • Telecommunications
  • Education and Training
  • Environmental Services
  • Non-profit Organizations
  • And many more


We are a trusted provider with the resources to help your business get the funds quickly! Our transparent process provides our ERC clients with the most secure advance on their credit. From start to finish, we guide you along the way and provide everything you need to know.