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Advance Your ERTC
Accelerate Your Business

Skip the IRS Backlog

Get up to 85% of your refund fast, with no upfront fees and no hassle.

Begin Application

*See Terms & Conditions for details

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Apply Online

Apply in minutes: complete our simple application.

Get Approved

Receive approval in 7-14 days or less.

Receive Funds

Direct deposit of up to 85% of your pending ERC claim.

Accelerate

Watch your business excel with the use of your funds.

Why ERTC Refund is the Best Choice for Expediting

Outcome ERTC Refund Expediting Waiting in the IRS Backlog
Timeframe to Get Paid



10-14 Days



2–3+ Years

if any money is left

Upfront Cost



$0



$0 - $20,000

Application Process



15 Minutes



No Fast Track

Audit Protection



Included



No

100% Risk-Free



Yes



No

Customer Support



24/7 Phone & Text Support



No
ne

Stop Waiting. Start Growing.

Our ERC advance loan program helps you unlock working capital while your ERC refund is being processed by the IRS.

Here’s how it works:

  • Apply through our secure portal.
  • We verify your ERC claim.
  • Receive 85% of your ERC refund amount within 10-14 days.

Everything You Need. All in One Place.

Track your funding progress, upload required documents, and securely communicate with our team through our streamlined customer portal

Begin Application

Top FAQs

How much funding can I receive?

You can receive 85% of your ERC claim in 10–14 days. For those who do not qualify for that amount, we have other lending options.

Is this a loan or an advance?

No, this is not a loan. It’s an advance through an asset purchase agreement — we’re buying the rights to a portion of your approved ERC refund. Bottom line: You get up to 85% of your refund now.

What happens if the IRS denies my claim?

IRS denials are extremely rare — out of nearly 1,000 funded cases so far, only two have had any issues. In the rare event the IRS reduces or denies your refund, you’ll be asked to appeal the decision in good faith. If the appeal doesn’t resolve it, we’ll work with you one-on-one to figure out a fair solution, including flexible repayment options if needed.

Are there credit checks or collateral required?

No personal credit check is required, and the loan is secured solely by the anticipated ERC refund. Business underwriting may apply.

WHAT IS ERTC?

The Employee Retention Credit (ERC), also referred to as the Employee Retention Tax Credit (ERTC)

The Employee Retention Credit (ERC or ERTC), established under the CARES Act, was designed to incentivize businesses to retain employees by offering a tax credit for wages paid to eligible employees. This refundable credit applies to wages paid between March 13, 2020, and September 30, 2021, and can be claimed even by businesses that received PPP loans. Additionally, businesses that launched after February 15, 2020, may qualify for up to $100,000 in credits for wages paid between July 1, 2021, and December 31, 2021.

Start Application
Estimate my refund
No Cost to Apply
Simple Upload of Documents
Receive Refund
No Cost to Apply
Simple Upload of Documents
Receive Refund

Have Additional Questions?

We’re here to help you access the ERC refund you’ve already claimed as quickly and easily as possible. If you’re approved and stuck waiting in the backlog, our team is dedicated to advance you up to 85% of your refund in as little as 10–14 days.

  • No Upfront Cost – It’s 100% free to apply.
  • Fast & Easy Process – Just minutes to get started.
  • Get Funded, Not Frustrated

Let’s get your money moving today.

Begin Application

Get in Touch

Email

support@ertcrefund.com

Call

916-297-4613

Office

1717 Pennsylvania Avenue NW
10th Floor
Washington, D.C. 20006

Customer Support Hours

Monday – Friday
9:00am EST – 5:00pm EST

RESOURCES

  • Customer Portal

COMMUNITY

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CONTACT

  • 101 Creekside Ridge Court
    Suite 225B
    Roseville, California 95678

ERTC REFUND HOTLINE

  • 916-297-4613
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ERTC Refund is a financial technology company, not a bank. Loan products are provided by Community Bank & Trust – WGA, an Equal Housing Lender, Member FDIC.

Not all claimants are eligible for the Employee Retention Tax Credit (ERTC). Eligibility is determined by specific qualifications under applicable IRS tax regulations. As an applicant, you are responsible for providing accurate and truthful information. ERTC Refund provides a secure, proprietary technology platform to assist in gathering and verifying information for the purpose of filing the ERTC claim for qualified businesses. ERTC Refund utilizes only verified IRS data in calculating refund eligibility.

Applicants for the ERTC applying through ERTC Refund may be eligible for an Express Refund. Not all applicants qualify. The tax credit amount must be $3,000 or greater to be eligible. Applicants in Iowa, Colorado, and U.S. Territories are not eligible for the Express Refund option.

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Advance Your ERTC. Accelerate Your Business.

Turn your pending ERTC into working capital. Your claim is your asset. Start using it now.