ERTC Bridge Financing

Do you have an ERTC Claim of $100k or more?

ERC Bridge Financing allows you to access cash upfront for your ERC refund, so you don’t have to wait on the IRS.

What to Expect

What to Expect

Up to 90%

of the Value of ERC
Refund

Industry’s Best

Rates, Selection,
and Terms

24 Hours

Pre-Approval Time

The valuation of your ERC claim must be $100,000 or higher. There is no cap on the amount that can be financed. Rates and terms may vary.

Skip IRS Processing Delays with ERC Bridge Financing

Put your ERC refund to use now and get access to the
best ERC financing rates, selection, and terms
available in the industry.

Easy Application
Process

It takes just a few minutes and some
basic information to get started, and
we’ll guide you through every step
of your application from there.

Fast Turnaround on Funds

Get a pre-approval decision in as
little as 72 hours and have your
funds deposited the same day you
accept your ERC financing offer.

Industry-Leading Support

We'll help you determine your fit for
ERC Bridge Financing with complete
transparency and work with you to
secure the best rate and terms.

overview of erc financing

What is ERC Bridge Financing?

We offer two programs to get early access to the capital from your ERTC Checks

at a glance

Lower Capital Cost Than Traditional Financing

ERC Bridge Financing is suitable for most business purposes.

Use Cases

Use Cases for erc financing

What can ERC Bridge Financing Be Used For?

Types, Features, and Benefits of ERC Financing

Types of ERC Financing We Offer

ERC Bridge Loan

An ERC Bridge Loan allows you to borrow a portion of your ERC tax refund while paying interest-only remittances until the IRS issues your checks.

Key Features

24 Hours

Pre-Approval Time

As Low As 1.5%

Interest Rate

Until Refund Is Issued

Repayment Term

ERC Buyout

An ERC Buyout allows you to sell apportion of your ERC refund in exchange for a percentage-based fee with no interest and no repayment term.

Key Features

1-2 Weeks

Pre-Approval Time

No Interest

Interest Rate

No Repayment Term

Repayment Term

Types, Features, and Benefits of ERC Financing

Is ERC Financing Right For You?

There are some prerequisites you should consider before applying for ERC Bridge Financing.

Minimum Criteria

Amount must be $100k or higher

For more information, see
The Ultimate Guide to ERC Bridge Financing.

how to apply for erc financing

Our ERC Financing Easy Application Process

Start Your ERC Financing Application Online

(Time to Complete = 4 Minutes)
Provide some basic details about you, your business, and
your ERC claim using our four-minute ERC Financing Form.

(Time to Complete = 5 Minutes)
We'll contact you to discuss the documentation needed to
complete your application and answer any questions you
may have.

(Time to Complete = 48-72 Hours)
We'll begin processing your application as soon as we've
received all the necessary documentation and get you an
approval decision in as little as 48-72 hours.

(Time to Complete = Same Day)
We'll provide you with your final ERC Bridge Financing
offer(s) to review. Once accepted, your funds will be
deposited into your account.

The nation’s best source for erc loans and erc buyouts, period

Why Our Clients Choose US

90,000+

Small Businesses Served Since Before
the COVID-19 Pandemic

$10 Billion+

Financing and Tax Refunds Recovered by
ERTC Loans and Its Affiliates

30+ Years

Industry Experience Serving Small
Businesses and Employers

Committed to Your
Business's Success

As a leading authority, we empower
you with the most up-to-date
information, insights,
recommendations, and our shared
experience.​

90,000+

Small Businesses Served Since Before
the COVID-19 Pandemic

Proven Track Record
with Employers​​

In addition to our coveted financing
solutions, we have helped recover
billions of dollars from COVID-19
relief programs like the PPP and
ERC.

$10 Billion+

Financing and Tax Refunds Recovered by
ERTC Loans and Its Affiliates

Leaders in All Things
Small Business​

ERTC Loan's small
business financing solutions and
employer services have become
force multipliers for business owners
and entrepreneurs.

30+ Years

Industry Experience Serving Small
Businesses and Employers

The nation’s best source for erc loans and erc buyouts, period

Frequently Asked Questions

Are there any limitations on how I use funds from ERC funding?

No. There are no limitations on how qualifying employers use the funds they receive from ERC funding options
(i.e., ERC Advance Loans or ERC Buyouts).

Yes, ERC loans are secured against employers’ anticipated ERC refund amount. Personal guarantees may also apply depending on the viability of employers’ businesses, creditworthiness, and other factors.

Pre-approvals can take as little as 24 hours, but the time it takes to receive funds for an ERC Buyout or an ERC loan is closer to one to two weeks. ERC Buyouts can be faster. Turnarounds are primarily determined by applicants’ responsiveness to requests for documentation or information and lenders’ capabilities.

Lenders’ requirements for ERC Advance Loans and ERC Buyouts vary but generally include the following:

Satisfy the IRS’s ERC Eligibility Criteria
Proof of IRS Form 941-X Report Submission(s)
Minimum ERC Refund of $75,000 (ERC Buyout) or $100,000 (ERC Advance Loan)
Minimum Credit Score of 500 (ERC Buyout) or 600 (ERC Advance Loan)
No Tax Liens or Judgements

The IRS will include accrued interest when issuing employers’ ERC refunds based on the dates the refund amount applies and their processing time. This IRS-paid interest accounts for the time value of outstanding ERC balances with the agency.

Still have questions? Give us a call at +1 516 687 9488

Additional ERC Financing Resources

2024 ERC Refund Delays: How Long You Must Wait

Article

Additional ERC Financing Resources

Article

    1. There is no upfront cost, commitment, or impact on credit to apply for ERC Bridge Financing online with ERTC Loans. Any fees associated with ERTC Loan’s services will be explained in writing and subject to client’s approval beforehand.
    1. Actual percentages will very based on credit worthiness, the chosen lender, and other factors. ERTC Loans has partnered with multiple lenders so that the company can offer greater flexibility and coverage to its ERC clients.
  1. The timeline to receive funds will vary based on client responsiveness, lender capabilities, and other factors. Not all ERTC Loans lenders are able to approve funds in 72 hours.

STOP WAITING, START
APPLYING

Apply for ERC Bridge Financing today so you can start putting your payroll tax refund to use.