The Nation’s Source for ERTC Loans

Get up to 95% of your ERTC—without waiting on the IRS.

 Apply for an ERTC Loan and access your Employee Retention Tax Credit now.
No commitments. No impact on credit.

Get up to 95% of your ERTC Now upfront rather than waiting for the IRS. Apply Now. No commitments. No impact on Credit.

A large, purple, curved arrow pointing to the right.
A woman with curly brown hair in a pink shirt sitting at a wooden table, working on a laptop and taking notes, in a well-lit room with a window, houseplants, and a bowl of bananas and kiwis.

ERTC Loan: Get Funded Without the Wait

Waiting on the IRS? With our ERTC Loan, you don’t have to.

We offer one of the most trusted and efficient ERTC Loan programs, designed to give your business up to 95% of your Employee Retention Tax Credit upfront, so you can access the ERTC financing funds you’re entitled to without delay.

No ERTC buyouts. No complex financing. Just a simple loan backed by your approved ERTC claim.

A cartoon girl with black hair holding a clock in her left arm and raising her right index finger, with a speech bubble containing two exclamation points, indicating surprise or realization.

What Is an ERTC Loan?

An ERTC Loan, also known as an ERC Bridge Loan, helps eligible businesses access the funds they're owed through the Employee Retention Tax Credit (ERTC) without waiting for the IRS. Instead of delays that can stretch for months, or even years, you can receive up to 95% of your ERTC amount now. 

This loan is backed by your approved ERTC claim and comes with interest-only payments until the IRS releases your refund. It's a smart solution for businesses needing immediate cash flow while still waiting on their tax credit. Apply easily online and get funded in as little as 24–48 hours.


Illustration of a person with short hair and a puzzled expression, holding a puzzle piece and a speech bubble with a question mark, set against a purple circular background.

How to Apply for an ERTC Loan

With our simple online application, we will process an offer for your ERTC Loan within 24-48 hours. Our streamlined ERTC Loan application requires basic business information and your ERTC claim details to get started.

A circular icon with a gradient purple and blue face, smiling, with two eyes and a curved mouth.

Up to $20M*

Amounts starting at $150k*applies to some products only

A+ Rated Since 2008

Better Business Bureau

+20,000

Small Businesses Funded

How Does the ERTC Loan Work?

Step 1

 Fill out our quick and easy online ERTC Loan application—it’s simple, secure, and takes just a few minutes.

Step 2

Our team will carefully review your ERTC claim and determine your eligible loan amount—up to 95% of your credit.

Step 3

You’ll be connected with a dedicated ERTC Loan Specialist to discuss your options and guide you through the process.

Step 4

Once your loan is approved, you’ll receive the funds in your business account within 24 to 48 hours.

Benefits of Choosing ERTC Financing

A stylized purple gear with an arrow circling around it pointing upward, representing growth or progress.

RAPID

ERTC Loan processing allows you to receive payment today, while we handle the waiting period for the ERC check, which might extend beyond 12 months. Our ERTC Loan approval system delivers immediate access to your funds.

Outline of a hand giving a thumbs up next to a price tag with a dollar sign, all in purple.

COST

We handle everything, from ERTC Loan application to funding, allowing you to concentrate on your core expertise of business growth. ERTC Loans can streamline your business operations.


Icon of a smartphone with a checkmark on the screen and a speedometer gauge, representing mobile performance or speed testing.

SIMPLE

Our team will review the ERTC Loan costs, we boast one of the most economical options in the industry for providing ERTC Loan financing solutions.

Outline of a globe, a dollar sign, and a computer screen with a rising graph, representing global financial growth.

EFFECTIVE

Unlike other types of financing, you won't have to make daily, or weekly payments with our ERTC Loan Options. ERTC Loans offer payment-free terms until your ERC refund arrives.

Group of five diverse adults in a bright, modern office or cafe space, some standing and some sitting, engaged with tablets, laptops, and papers.

Turn your ERTC credit into cash today with our ERTC Loan.

Don't wait months for your ERC refund, our ERTC Loan program delivers immediate funding. We handle all the paperwork and processing so you can access your ERTC financing or ERTC buyout and reinvest in your business operations right away.

 FAQs

  • No, absolutely not. The ERTC is a refundable tax credit from the IRS for eligible businesses that retained employees during the pandemic. An ERTC loan is a financial product offered by private lenders, providing an advance on your anticipated ERTC refund.

  • The processing time for an ERTC loan is significantly faster than waiting for the IRS. Once you provide the necessary documentation and your claim is verified, some lenders can fund within a few days to a couple of weeks, depending on their process.

  • Typically, lenders will require proof of your filed ERTC claim (e.g., Form 941-X), payroll records, financial statements, and potentially other business documentation to assess your eligibility and the validity of your ERTC claim.

  • If the IRS reduces your ERTC refund, you are still obligated to repay the full amount of the ERTC loan or advance you received from the lender. This could mean you'd need to use other business funds to cover the difference.

  • Consider an ERTC loan if your business has an immediate need for cash flow and cannot wait for the lengthy IRS processing times. Weigh the cost of the loan (fees/interest) against the benefit of having immediate access to capital for your operations.