Get an Advance on Your ERC Refund
1st Capital Financial’s Employee Retention Credit (ERC) Bridge Financing gives employers immediate access to their ERC refund without waiting on the IRS. Submit an ERC financing application online to get started.
No Upfront Cost, Commitment, or Impact on Credit ¹
Up to 85%
Valuation of employer’s ERC claim must be $75,000 or higher. There is no cap on the ERC claim amount that can be financed. Rates and terms may vary.
Skip the IRS's Processing Time 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.
Prerequisites for ERC Financing
Is ERC Bridge Financing Right for You?
There’re some prerequisites employers should consider before applying for ERC financing with 1st Capital Financial.
At A Glance
Application Process for ERC Financing
Our ERC Bridge Financing Process
Connect with Our ERC Financing Team
Time to Complete = 10 Minutes
We’ll contact you to discuss the documents needed to complete your application and answer any questions you may have.
Get Approved for ERC Bridge Financing
Time to Complete = 48-72 Hours
We’ll begin processing your application as soon as we’ve received all the necessary documents and get you an approval decision in as little as 48 to 72 hours.
Accept Offer and Receive ERC Funds
Time to Complete = Same Day
We’ll provide you with your final ERC financing offer(s) to review. Once accepted, your ERC funds will be deposited into your account.
The #1 Source for ERC Financing, PEriod
Why Our Clients Choose Us
Employers Served Since the Start of the COVID-19 Pandemic
ERC Refunds Recovered by 1st Capital Financial and Its Affiliates
Industry Experience Serving Small Businesses and Employers
FAQs About ERC Financing
Frequently Asked Questions, Answered
Funds will typically reach a business’s bank account within 24 hours once approved, but it can take up to three business days, depending on the bank.
ERC Bridge Financing proceeds can be used for any business expense. Unlike other COVID-19 relief programs, there are very few restrictions regarding businesses’ use of their refund.
In most cases, the following three factors determine whether a business will qualify for an ERC Bridge Loan or ERC Claim Buyout:
- The business must have submitted a valid Employee Retention Credit (ERC) claim of $75,000 or higher with the IRS.
- The business must have been operating since at least February 2020.
- The business owner, or the business, must meet credit approval or lien assessment requirement.
IRS processing for the Employee Retention Credit (ERC) can take up to ten months. This timeline is too long for businesses tackling rising inflation, higher interest rates, and limited access to capital. ERC Bridge Financing allows businesses to access their refund in days and use it wherever it’s needed.
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.
Time Is Money, We'll Save You Both
Apply for ERC Bridge Financing today so that you can get back to growing your business.