File Your ERC Claim With Confidence

1st Capital Financial’s ERC Filing Service is the simplest and most reliable way for employers to claim their payroll tax refund. Start your ERC application online to find out if you’re eligible.

No Upfront Cost or Agreement to Sign, and Pay Only When You Receive Your Refund ¹

BBB Accredited Business Seal with A+ Rating
Hero Image for 1st Capital Financial’s ERC Filing Service With 1st Capital Financial Branding

You're in Good Hands When You Use Our ERC Filing Service

Get the comprehensive support of 1st Capital Financial’s ERC specialists and independent team of CPAs with no upfront cost or agreement to sign, and pay only when you receive your refund.

Easy ERC Claim Processing

Our processing team and CPAs spare you time and frustration, and make claiming the ERC an easy and rewarding experience.

Higher ERC Refund Recovery

We leverage our extensive knowledge of the tax legislature to ensure we recover every dollar possible for our clients.

Best-In-Class ERC Service

We prioritize our quality of service above all else, which has supported over a 90% retention rate with our clients in recent years.

Specialized ERC Experience

Unlike other tax advisors or ERC mills, we've specialized in employer relief programs since the start of the COVID-19 pandemic.

IRS ERC Audit Protection

Our clients’ ERC claims are accurate, well-documented, and now supported by IRS ERC Audit Protection at no additional charge.

Access to ERC Bridge Financing

Our ERC clients can advance up to 85% of their refund with ERC Bridge Financing, which includes ERC advance loans and ERC buyouts.

65,000+

ERC Claims Filed 2

$10 Billion+

ERC Refunds Recovered

Up to 50%

Lower Filing Fee 3

ERC Tax Credit Overview

What Is the ERC Tax Credit?

The Employee Retention Credit (ERC) was introduced under the Coronavirus Aid, Relief, and Economic Security (CARES) Act in 2020 as a refundable tax credit intended to encourage employers to keep employees on payroll during the COVID-19 pandemic.

At A Glance

Provides up to $26,000 per Eligible Employee
or $100,000 for Recovery Startup Businesses
Applies to Q2 (2020) Through Q3 (2021)
or Q3 and Q4 of 2021 for Recovery Startup Businesses
Employers Can Still File Their ERC Claim in 2024

Employers negatively impacted by the COVID-19 pandemic in 2020 or 2021 will likely meet the ERC eligibility requirements.

At A Glance

Employers That Experienced a Full or Partial Suspension, a Reduction of Revenue, or a Supply Chain Disruption
Recovery Startup Businesses
Paycheck Protection Program (PPP) Recipients

ERC Tax Credit Eligibility

Who Is Eligible for the ERC Tax Credit?

How To Claim Your ERC Tax Credit

Our ERC Application Process

Photo of Businesswoman Smiling During Easy Mobile ERC Filing Process with 1st Capital Financial

Start Your ERC Application

Start your application online using our ERC Intake Form. An ERC specialist from our team will contact you to go over the program, help you determine your eligibility, identify the documentation needed by our CPAs and the IRS, and answer your questions.

Submit the Necessary Documentation

As soon as we receive all the necessary documentation, our CPAs will conduct their due diligence and prepare a comprehensive ERC assessment for your business. This assessment will include a detailed summary report and final calculations for your ERC refund amount.

We File Your ERC Claim

Our CPAs file your amended employer tax returns (IRS Form 941-Xs or equivalent forms) and supporting documentation. We then monitor your claim status and assist with any additional information or communications the IRS needs.
 
Note: You will receive a final copy of your ERC application, including your amended tax returns, for review before we submit it to the IRS.

Collect Your ERC Refund

After taking advantage of our ERC Filing Service, the IRS will issue your refund through a series of checks (one for each quarter of the program you qualified for).
 
Note: IRS processing of ERC claims is now expected to take 10-16 months. For immediate access to your ERC refund, 1st Capital Financial offers ERC Bridge Financing (ERC Bridge Loans and ERC Claim Buyouts).

ERC Clients' Reviews and Claims

Hear From the Best, Our ERC Clients

See Recently Recovered ERC Claims

Clients' ERC Claims
St. Augustine, FL
Convenience Store
Tax Credit Recovered
$113,882.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Chino, CA
Pharm. Manufacturing
Tax Credit Recovered
$909,768.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Mobile, AL
IT Services Company
Tax Credit Recovered
$446,488.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
San Diego, CA
Restaurant Chain
Tax Credit Recovered
$1,559,853.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Loma Linda, CA
Home Construction
Tax Credit Recovered
$1,707,446.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Burbank, CA
Assisted Living Services
Tax Credit Recovered
$1,958,947.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Goleta, CA
Auto Parts Supplier
Tax Credit Recovered
$2,539,144.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Costa Mesa, CA
Trucking Company
Tax Credit Recovered
$2,331,424.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Compton, CA
Pest Control Company
Tax Credit Recovered
$556,453.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Ford St. Metairie, LA
Towing Company
Tax Credit Recovered
$928,618.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Rancho Cucamonga, CA
Specialty Contractor
Tax Credit Recovered
$1,050,791.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Los Angeles, CA
Landscaping Supplier
Tax Credit Recovered
$1,102,151.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Victorville, CA
Full-Service Restaurant
Tax Credit Recovered
$338,295.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
San Bernardino, CA
Telecom Business
Tax Credit Recovered
$163,699.00
Qualifying Event(s)
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Burbank, CA
IT Services Company
Tax Credit Recovered
$120,042.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Clients' ERC Claims
Sherman Oaks, CA
Gas Equip. & Services
Tax Credit Recovered
$522,102.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Van Nuys, CA
Assisted Living Services
Tax Credit Recovered
$240,962.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Clients' ERC Claims
Lynwood, CA
Wholesale Business
Tax Credit Recovered
$556,404.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Los Angeles, CA
Tobacco & Smoke Shop
Tax Credit Recovered
$33,347.00
Qualifying Event(s)
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Montrose, CA
Dentisty
Tax Credit Recovered
$151,864.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Bakersfield, CA
Gas Station
Tax Credit Recovered
$332,849.00
Qualifying Event(s)
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Orlando, FL
Food Manufacturing
Tax Credit Recovered
$275,310.00
Qualifying Event(s)
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Los Angeles, CA
Manufacturing Business
Tax Credit Recovered
$180,411.00
Qualifying Event(s)
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Santa Barbara, CA
Marketing Agency
Tax Credit Recovered
$76,268.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Lancaster, CA
Property Management
Tax Credit Recovered
$230,212.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Ventura, CA
Full-Service Restaurant
Tax Credit Recovered
$109,024.00
Qualifying Event(s)
Reduction of Revenue
Full or Partial Suspension
Supply Chain Disruption
Clients' ERC Claims
Santa Maria, CA
Medical Transportation
Tax Credit Recovered
$207,305.00
Qualifying Event(s)
Full or Partial Suspension
Supply Chain Disruption
$ .00
$ .00
$
0.00
.00
This calculation tool estimates the value of your ERC refund based on the information you provide. The final valuation may be higher or lower after reviewing your business’s supporting documentation (e.g., P&Ls and 941s) and accounting for any overlap with other COVID-19 relief programs.

ERC Tax Credit Calculator

Discover How Much You May Be Eligible For

FAQs About Our ERC Service

Frequently Asked Questions, Answered

If your business was negatively impacted by the COVID-19 pandemic, but your CPA believes you’re ineligible — we still encourage you to apply.

It is not uncommon for CPAs, accounting agencies, or even Chief Financial Officers (CFOs) to get it wrong. The Employee Retention Credit (ERC) is a complex program and the IRS has released a number of warnings.

1st Capital Financial does not submit claims for businesses that’re ineligible. We take the time necessary to conduct our due diligence, present our assessment, and let our clients decide whether or not to proceed.

No, there is not. 1st Capital Financial’s clients only pay a 15% contingency fee, with no additional costs, and are never asked to sign an agreement before their ERC assessment is received. Our assistance and due diligence are free of charge.

We encourage businesses to reconsider their ERC processor if they are asked to pay additional fees for a consultation or assessment or are expected to sign an agreement before their ERC assessment is received.

1st Capital Financial charges a 15% contingency fee once your checks are received from the U.S. Treasury. There is no upfront cost.

Other major ERC processors charge up to 30% with additional upfront costs (e.g., Consultation Fees or Assessment Fees).

Employee Retention Credit (ERC) Bridge Financing refers to 1st Capital Financial’s solution for businesses that do not want or cannot afford to wait for the IRS to process their ERC refund. By applying for an ERC Bridge Loan or an ERC Claim Buyout, businesses can advance up to 85% of their refund in a matter of days.

Most business types, including hospitals, universities, and nonprofits, may be eligible for the ERC. The following list represents just a couple dozen examples we have experience with:

  1. Art Galleries
  2. Breweries, Distilleries, and Wineries
  3. Theaters and Live Arts
  4. Childcare and Behavior Centers
  5. Restaurants
  6. Events Venues
  7. Hotels
  8. Non-Profits
  9. Churches
  10. Medical Practices
  11. Dentists and Orthodontists
  12. Law Firms
  13. Construction and Real Estate Developers
  14. eCommerce Businesses
  15. Cannabis Businesses
  16. Tobacco and Smoke Shops
  17. Startup Businesses
  18. Barbershops, Cosmetologists, Salons, and Spas 
  19. Private Schools and Universities
  20. Manufacturing Businesses
  21. Liquor Stores
  22. Car Dealerships
  23. Automotive Repair Businesses
  24. Assisted Living Services

Do not worry if your business type is not listed above. We have filed ERC claims for businesses in more than 65 different industries. If you are uncertain of your business’s eligibility, we encourage you to give us a call at +1 (833) 317-8227.

For more information, check out this article: The ERC Eligibility Requirements Employers Need to Know in 2023.

1st Capital Financial’s ERC Filing Service is available to qualifying employers in all 50 states, including:

  1. Alabama
  2. Alaska
  3. Arizona
  4. Arkansas
  5. California
  6. Colorado
  7. Connecticut
  8. Delaware
  9. Florida
  10. Georgia
  11. Hawaii
  12. Idaho
  13. Illinois
  14. Indiana
  15. Iowa
  16. Kansas
  17. Kentucky
  18. Louisiana
  19. Maine
  20. Maryland
  21. Massachusetts
  22. Michigan
  23. Minnesota
  24. Mississippi
  25. Missouri
  26. Montana
  27. Nebraska
  28. Nevada
  29. New Hampshire
  30. New Jersey
  31. New Mexico
  32. New York
  33. North Carolina
  34. North Dakota
  35. Ohio
  36. Oklahoma
  37. Oregon
  38. Pennsylvania
  39. Rhode Island
  40. South Carolina
  41. South Dakota
  42. Tennessee
  43. Texas
  44. Utah
  45. Vermont
  46. Virginia
  47. Washington
  48. West Virginia
  49. Wisconsin
  50. Wyoming

The same applies to the company’s ERC Partner Programs.

Businesses can claim up to $26,000 per employee for the Employee Retention Credit (ERC) broken down as follows:

  • For 2020, you can claim up to fifty percent (50%) of qualified wages and health plan expenses for a maximum credit of $5,000 per employee for the year.
  • For 2021, you can claim up to seventy percent (70%) of qualified wages and health plan expenses for a maximum credit amount of $7,000.00 per employee per quarter and $21,000 for the year.

No, the IRS does not consider ERC refunds for income tax purposes.

However, you are required to reduce your business’s deductible wage expenses by the refund amount you receive. We encourage you provide this information to your current CPA or accounting agency.

As soon as you’ve completed your ERC application and submitted your documentation, our CPAs will get to work on a comprehensive assessment for your business. This process takes 5-10 business days. Assuming you decide to move forward, your amended employer tax returns (i.e., Form 941-Xs) and supporting documentation are filed with the IRS.

IRS processing of ERC claims is now expected to take 10-16 months with the moratorium.

For immediate access to your ERC refund, 1st Capital Financial offers ERC Bridge Financing (ERC Bridge Loans and ERC Claim Buyouts).

Yes, you certainly are! The Taxpayer Certainty and Disaster Tax Relief Act (enacted 12/27/2020) modified the ERC eligibility guidelines so that PPP applicants could also take advantage of the ERC program. However, you cannot claim the same dollar-for-dollar funds. We take this into account when processing your ERC claim.

Still have questions? Give us a call at +1 (833) 317-8227.

Additional ERC Tax Credit Resources

1
There is no upfront cost or agreement to sign, and 1st Capital Financial’s clients pay a 15% contingency fee only when the IRS issues their refund. 1st Capital Financial’s fee for its ERC Filing Service is explained in writing and is subject to clients’ approval after their ERC assessment is received and before their ERC claim is filed with the IRS.
2
1st Capital Financial and its affiliates have filed over 65,000 claims and recovered over $10 billion for the ERC program.
3
1st Capital Financial charges a 15% contingency fee, whereas other major ERC processors charge up to 30% with additional upfront costs (e.g., Consultation Fees or Assessment Fees).

Find Out If You're Eligible for the ERC Tax Credit

You may be able to recover up to $26,000 per employee in 2020 and 2021. This is money you’ve earned, brought to you by the company you trust. Start your ERC application online to find out if you’re eligible, or contact sales to learn more.

Important Notice

Due to processing changes made by 1st Capital Financial’s affiliate(s), the company’s SETC Self-Service Platform will be suspended for new clients effective April 11, 2024.
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