IRS Announces Moratorium on Processing of Employee Retention Credit (ERC) —
IRS Announces ERC Moratorium —

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

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ERC Bridge Financing Hero Image

Up to 85%

of Employer's ERC Claim 2


Rates, Selection, and Terms

72 Hours

to Secure ERC Funds 3

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.

Easy Application Process

It takes just four minutes and some basic information to get started, and we’ll guide you through every step of your application from there.

Fast Turnaround on Funds

Get an approval decision in as little as 48 to 72 hours and have your ERC funds deposited into your bank account the same day.​

Industry-Leading Support

We'll help you determine your fit for ERC Bridge Financing with full transparency and work with you to secure the best rate and terms.

Prerequisites for ERC Financing

Is ERC Bridge Financing Right for You?

Prerequisites Employers Should Consider for ERC Bridge Financing Image

There’re some prerequisites employers should consider before applying for ERC financing with 1st Capital Financial.

At A Glance

Pending ERC Claim with the IRS
Valuation must be $75,000 or higher.
Operating Since February 2020
Recovery Startup Businesses are not eligible.
Minimum FICO Score or Lien Assessment

Application Process for ERC Financing

Our ERC Bridge Financing Process

Submit Your ERC Financing Application

Submit Your ERC Financing Application

Time to Complete = 4 Minutes

Provide some basic information about you, your business, and your ERC claim using our four-minute ERC Financing Application.

Connect with Our ERC Financing Team

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

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

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.

ERC Bridge Financing

Employee Retention Credit (ERC) Bridge Financing, or an ERC Advance, which includes loan and buyout options, allows businesses to access up to 85% of their ERC refund without waiting on the IRS.

Apply Now

The #1 Source for ERC Financing, 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, as well as 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 alike.


Employers Served Since the Start of the COVID-19 Pandemic

$10 Billion+

ERC Refunds Recovered by 1st Capital Financial and Its Affiliates

25+ Years

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:

  1. The business must have submitted a valid Employee Retention Credit (ERC) claim of $75,000 or higher with the IRS.
  2. The business must have been operating since at least February 2020.
  3. 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.

Still have questions? Give us a call at +1 (833) 317-8227.
There is no upfront cost, commitment, or impact on credit to apply for ERC Bridge Financing online with 1st Capital Financial. Any fees associated with 1st Capital Financial’s services will be explained in writing and subject to client’s approval beforehand.
Actual percentages will very based on credit worthiness, the chosen lender, and other factors. 1st Capital Financial has partnered with multiple lenders so that the company can offer greater flexibility and coverage to its ERC clients.
The timeline to receive funds will vary based on client responsiveness, lender capabilities, and other factors. Not all 1st Capital Financial’s lenders are able to secure funds in 72 hours.

Time Is Money, We'll Save You Both

Apply for ERC Bridge Financing today so that you can get back to growing your business.

Get Started

How Can We Help Your Business?

Speak with a Financing Expert

Get all your questions answered in a brief call with one of our small business financing experts.

Speak with an ERC Specialist

Learn more about the ERC program, our ERC Filing Service, and our ERC Bridge Financing in a brief call.​

Submit an ERC Application

Find out if you're eligible for the ERC and receive a complimentary estimate in as little as eight minutes.

Your Financing Consultation is Confirmed

You will be receiving an email confirmation shortly.

Your ERC Consultation is Confirmed

You will be receiving an email confirmation shortly.

Your ERC Partner Application has been received!

A team member will contact you within 1 to 2 business days. Welcome to the 1st Capital family.