Get an Advance on Your ERC Refund
No Upfront Cost, Commitment, or Impact on Credit ¹
Up to 85%
Industry's Best
72 Hours
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
Fast Turnaround on Funds
Industry-Leading Support
What Is ERC Bridge Financing?
ERC Bridge Financing, also known as “ERC Advance Funding,” allows you to finance or sell a portion of your ERC refund to access the balance right away.
At A Glance
Use Cases
What Can ERC Bridge Financing Be Used For?
Types of ERC Financing We Offer
ERC Bridge Loan
Key Features
Pre-Approval Time
Interest Rate
Repayment Term
ERC Buyout
Key Features
Pre-Approval Time
Interest Rate
Repayment Term
Requirements for ERC Financing
Is ERC Financing Right for You?
There are some prerequisites you should consider before applying for ERC Bridge Financing.
At A Glance
How to Apply for ERC Financing
Our ERC Financing Application Process
Start Your ERC Financing Application Online
Connect With Our ERC Financing Team
Get Approved for ERC Bridge Financing
Accept ERC Bridge Financing Offer and Receive Funds
The Nation's Best Source for ERC Loans and ERC Buyouts, Period
Why Our Clients Choose Us
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.
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.
Leaders in All Things Small Business
1st Capital Financial’s small business financing solutions and employer services have become force multipliers for business owners and entrepreneurs.
Small Businesses Served Since Before the COVID-19 Pandemic
Financing and Tax Refunds Recovered by 1st Capital Financial and Its Affiliates
Industry Experience Serving Small Businesses and Employers
FAQs About ERC Financing
Frequently Asked Questions, Answered
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)
- Operating Since February 2020 or Earlier
- 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.
Additional ERC Financing Resources
Stop Waiting, Start Applying
Apply for ERC Bridge Financing today so you can start putting your payroll tax refund to use.