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Up to 90% Advance
Get up to 90% of your filed ERTC claim value advanced to you.
Your ERTC Refund, Without the Wait
You've filed for your Employee Retention Tax Credit, but the IRS is taking months to process it. An ERTC advance puts cash from your pending refund in your account now, so your business can keep moving while the IRS catches up.
- Advances of up to 90% of your filed claim value
- No monthly payments while you wait
- Repaid when your IRS refund arrives
What You Need to Qualify
Filed
ERTC Claim With the IRS
Up to 90%
Of Filed Claim Value
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Filed Claim to Cash in Days, Not Quarters
01
Tell Us About Your Claim
Share basic business details and the ERTC claim you have already filed with the IRS.
02
We Review Your Filing
We review your filed claim to verify the filing and estimate the refund amount.
03
See Your Advance Amount
Get an offer based on your filed claim value, with the advance amount and total cost laid out clearly.
04
Put Your Refund to Work
Funds go to your account so you can use them now. The advance is repaid when your IRS refund arrives.
Get Your Tax Credit Refund Without the Wait
What Is an ERTC Advance?
An ERTC advance gives you cash today against an Employee Retention Tax Credit refund you have already filed for and are still waiting on. Instead of letting money you are owed sit with the IRS, you put it to work in your business now.
Here is how it works: once your ERTC claim is filed, we review the filing and estimate the refund you expect to receive. We then advance you a portion of that value, up to 90%. When the IRS issues your refund, it repays the advance under the terms of your agreement. There are no monthly payments in between, so your day to day cash flow is not tied up while you wait.
ERTC Advance at a Glance
An ERTC advance is sized to the refund you have already claimed, not to your revenue or credit history. The amount you can access depends on the value of your filed claim and our review of the filing.
Every offer lays out the advance amount and the total cost before you accept, so you know exactly what you receive now and what is repaid from your refund.
- Loan Amounts
- Up to 90% of filed claim value
- Rates
- Quoted per claim
- Terms
- Repaid from your IRS refund
- Speed
- Days, not months
Businesses Waiting on ERTC Refunds
Any business with a filed claim still pending can use an advance. These industries often have larger payrolls, and larger refunds tied up in processing.
- Restaurants and Food ServiceKeeping kitchen and front of house staff on payroll can mean a sizable claim. Use an advance for payroll, repairs, or supplier bills.
- Construction CompaniesFirms with field crews often have significant claims waiting on the IRS. Put that money toward equipment and upcoming jobs.
- Medical PracticesClinical and administrative staff add up. Fund equipment, hiring, or cash flow gaps while insurance and IRS payments are pending.
- Dental PracticesAccess your practice's pending refund for new equipment, office upgrades, or day to day operations.
- Manufacturing and DistributionProduction and warehouse teams can mean substantial claims. Use an advance for materials, inventory, or equipment.
- Staffing AgenciesPayroll is the business. An advance helps bridge the gap between paying workers and waiting on your refund.
How Credit Factors Into an ERTC Advance
An ERTC advance is based mainly on the refund you have already filed for, so your credit score plays a smaller role than it does with a traditional loan.
- Your filed ERTC claim is the key factor
- Filing documentation supports the claim review
- Business details confirm who is owed the refund
- Credit history may still be reviewed
Good news
Because the advance is tied to your filed claim rather than to future revenue, a less than perfect credit profile does not automatically rule you out. Your filing tells most of the story.
Well Documented Claim
Smoother review and a clearer estimate of your refund
760Score
Incomplete Documentation
Review takes longer until filing records are provided
502Score
ERTC by the Numbers
$26K
per employee. The Employee Retention Tax Credit provided up to $26,000 per employee for businesses that kept staff during COVID shutdowns or revenue declines.
Source: Employee Retention Credit
6-12+ mo
that the IRS has been taking to process many ERTC claims, leaving money businesses are owed stuck in limbo.
Source: Reported processing times
Up to 90%
of your filed claim value can be advanced, so you are not waiting on the IRS to use money you are owed.
Source: Tree of Life Funding
Evaluating an ERTC Advance
Pros
- Use money you are owed now instead of waiting on the IRS
- No monthly payments while your refund is pending
- Repaid from your IRS refund when it arrives
- Based on your filed claim, not just your credit score
- Use funds for any business purpose
- Removes uncertainty from your cash flow planning
Cons
- You receive less than the full refund amount
- Only available once your claim has been filed
- If the IRS adjusts or denies your claim, your agreement terms apply
- Not a substitute for professional tax advice on your claim
ERTC Advance vs Other Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| ERTC Advance | Up to 90% of claim | Quoted per claim | Days, not months |
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Business Term Loan | $50K to $5M | 6% to 25% APR | 1 to 3 days |
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | Same day to 48 hrs |
ERTC Advance Requirements
- ERTC Claim With the IRS
- Filed
- Refund Not Yet Received
- Pending
- Filing Documentation Available
- Records
Get Your ERTC Advance
The application focuses on the claim you have already filed. Have your filing documentation ready and the review moves quickly.
Apply for an ERTC AdvanceStep 1: Submit Application
Provide basic business information and tell us about the ERTC claim you have filed. Takes about 5 minutes to complete.
Step 2: Share Your Filing
Send your ERTC filing documentation so we can verify the claim and estimate the refund amount.
Step 3: Review and Accept
Receive your advance offer with clear terms showing the amount advanced and how it is repaid from your refund.
Similar Funding Products
If you haven't filed yet or need more capital than your claim covers, these options may be a better fit.
ERTC Advances by Industry
Businesses in these industries commonly use ERTC advances to access refunds tied up in IRS processing.
FAQs
ERTC Advance Questions
The Employee Retention Tax Credit is a refundable payroll tax credit for businesses that kept employees on payroll during COVID-19. It provided up to $26,000 per employee for eligible businesses.
We review your filed ERTC claim, verify it, and advance you up to 90% of the expected refund value. When your IRS refund arrives, it repays the advance.
Yes, you need to have already filed your ERTC claim with the IRS to qualify for an advance. We can refer you to ERTC specialists if you haven't filed yet.
No. We do not determine ERTC eligibility or give tax advice. Eligibility is between your business, your tax professional, and the IRS. We advance funds against claims that have already been filed.
We review claims before advancing funds. If the IRS adjusts or denies a claim, the terms of your advance agreement would apply. We walk through those terms with you before you accept.
No. The advance is repaid when your IRS refund arrives. There are no monthly payments in the meantime.
Up to 90% of your filed claim value. The exact amount depends on the size of your claim and our review of your filing.
Once your filing documentation is reviewed and you accept an offer, funding moves in days rather than the months you might otherwise spend waiting on the IRS.
Any business purpose. Many businesses use an advance for payroll, operations, growth, or paying down debt.
Less than with a traditional loan. The advance is based mainly on your filed ERTC claim, though we may still review your credit history as part of the process.
Stop Waiting on Your ERTC Refund
Find out how much of your filed claim you can access today. Our team helps businesses of all sizes put their pending ERTC refunds to work.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score