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 bridge financing form online to get started.

No Upfront Cost, Commitment, or Impact on Credit ¹

ERC Bridge Financing Form

Contact Information (Step 1 of 2)

First Name *

Last Name *

Email Address *

Phone Number *

Company Name *

Have you already submitted an ERC claim with the IRS? *

Financing Details (Step 2 of 2)

What is the approximate value of your ERC claim? *

No. of W2 Employees in 2020 *

No. of W2 Employees in 2021 *

What COVID-19-related issues did your business experience? *

When did you start your business? *

What is the approximate date you started your business? *

What is your business's annual revenue? *

What range does your FICO score fall into? *

Additional Information (Optional)

Up to 85%

of Business's ERC Refund ²

Industry-Best

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 Wait Time with ERC Bridge Financing

Put your ERC refund to use now and get access to the best ERC Bridge 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 Bridge Financing

Is ERC Bridge Financing Right for You?

There’re a few prerequisites to consider before submitting a request for ERC Bridge 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 Bridge Financing

Our ERC Bridge Financing Process

Complete Form and Await Follow Up

Provide some basic information using the form provided. A team member will then follow up within one business day.

Submit Requested Documents

We'll help you determine the best option(s), then we'll request a short list of documents to finish processing your application.

Accept Offer and Receive Funds

We'll present your approval offer(s) and answer any questions. Once you accept an offer, the funds will be deposited into your bank account.

Normy Mashhour

Manager at Mashhour Farmers

Great company. Rania makes the process as convenient as possible, especially during these hard times. Financing is always stressful and this company made it very simple. Keep up the good work!

FAQs About ERC Bridge Financing

Frequently Asked Questions, Answered

Employee Retention Credit (ERC) Bridge Financing refers to 1st Capital Financial’s solution for employers 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.

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.

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. The same applies to advanced funds.

IRS processing of Employee Retention Credit (ERC) claims submitted before the moratorium will now take 6-12 months. ERC claims submitted after the moratorium will take 10-16 months. This timeline is too long for businesses tackling rising inflation, higher interest rates, and limited access to capital. ERC Bridge Financing allows employers to access their refund in days and use it wherever it’s needed.

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 deliver funds in 72 hours.

Ready to Get Started?

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