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.

Introducing the Self-Employed Tax Credit

1st Capital Financial’s SETC Self-Service Platform is the easiest, fastest, and most secure way for individuals to claim their FFCRA self-employed tax refund. Take our pre-qualification survey online to get started.

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Claim Your SETC Tax Credit With Our 100% Online Tool

Easy, Fast, and Accessible

Our guided application is easy to use, mobile-friendly, and spares you and your CPA the hours of work and frustration typically experienced when filing for this program.

Patent-Pending Technology

We utilize patent-pending technology to automatically calculate your tax credit(s) and amend your tax returns without uploading additional financial data.

Accurate and Compliant

Our application process has been carefully designed by CPAs, tax attorneys, and fintech developers to ensure accuracy, legitimacy, and compliance.

SETC Tax Credit Overview

What Is the SETC Tax Credit?

The Families First Coronavirus Response Act (FFCRA) is a federal law (Public Law No. 116-127) that provides self-employed individuals with tax credits that reimburse them, dollar for dollar, for the cost of being unable to work due to COVID-related issues.

The Self-Employed Tax Credit (SETC) refers to the provisional sick and family leave tax credits for self-employed individuals introduced under the FFCRA in March 2020.

At A Glance

Provides up to $32,220 per Self-Employed Individual
Based on Sick Leave Equivalent and Family Leave Equivalent Amounts
Applies to Q2 (2020) Through Q3 (2021)
With Up to 20 Sick Leave Days and 110 Family Leave Days
May Be Claimed Retroactively For a Limited Time
The deadlines are April 15, 2024, and April 15, 2025.

Self-employed individuals who had to take time off in 2020 or 2021 because of COVID-19 are likely to qualify for the SETC tax credits provided by the FFCRA.

At A Glance

Identify as a Self-Employed Individual (e.g., Sole Proprietor, Freelancer, Independent Contractor, or Gig Worker)
Filed a Schedule SE (IRS Form 1040) for 2020 or 2021
and Reported a Positive Net Income
Unable to Work or Telework in 2020 or 2021 Due to a COVID-Related Issue

SETC Tax Credit Eligibility

Who Is Eligible for the SETC Tax Credit?

Accountants and Bookkeepers

Airbnb Hosts

Amazon Resellers


Construction Workers



Graphic Designers

General Practitioners

Personal Trainers


Rideshare and Delivery Service Drivers

Real Estate Agents

Social Media Marketers


Website Designers and Developers

How To Claim Your SETC Tax Credit

Using Our SETC Self-Service Platform

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Take the Pre-Qualification Survey
Use our pre-qualification survey survey, consisting of five simple questions, to determine your FFCRA SETC eligibility.
Create an Account
Once you have determined your FFCRA SETC eligibility, you will be prompted to create an account. You will use this account to complete your application and monitor the status of your refund.
Gather Your Tax Information
We will ask you questions about the dates you missed work, dates your child's school or childcare facility was closed, if applicable, and your net earnings (Line 6 of Schedule SE from your IRS Form 1040).
Verify Your Identity
The IRS requires that we verify your identity. To do so, we utilize Onfido's Real Identity Platform. It takes just a few minutes to complete, and all you need is a valid government-issued ID (i.e., driver's license or passport) and a mobile device.
Complete Your SETC Application
Answer the remaining questions, e-sign a few documents, and select your preferred payment method for the processing fee.
Note: You will receive a final copy of your SETC application, including your amended tax returns, for review before we submit it to the IRS.

FAQs About the FFCRA, SETC, and Our Self-Service Platform

Frequently Asked Questions, Answered

1st Capital Financial’s self-service platform, powered by Adesso360™, charges a 20% processing fee. You have the option to pay with a debit card, credit card, or PayPal account. If you use a PayPal account, you can Pay in 4 or Pay Monthly.

Money-Back Guarantee: If you do not receive your refund for any reason, we will reimburse you for any fees you have paid¹.

The average SETC refund clients receive using our self-service platform is about $9,400.

It can take up to three weeks for the IRS to acknowledge their acceptance of your SETC claim and 20 weeks for the IRS to process your SETC claim and issue your checks or direct deposit. However, our clients typically receive their refund in about nine weeks. Clients who opt for direct deposit may receive their refund even sooner.

No, the SETC is not a loan or grant. The funds you receive from the SETC are a refund against the taxes you have already paid or owe. These tax credits are intended to compensate you for the income you have lost due to COVID-19.

Yes, two deadlines apply to the amended tax returns required for your claim. The deadline for your 2020 amended tax return is April 15, 2024. This deadline applies to the period between April 1, 2020, and March 31, 2021, and accounts for $15,110 of the SETC value. The deadline for your 2021 amended tax return is April 15, 2025. This deadline applies to the period between April 1, 2021, and September 30, 2021, and accounts for $17,110 of the SETC value.

Still have questions? Give us a call at +1 (833) 317-8227.
“Money-Back Guarantee(s)” are provided by Adesso Capital, Inc. 1st Capital Financial, Inc. is not responsible for processing fees collected through the Adesso360™ platform.
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Find Out If You're Eligible for the SETC Tax Credit

You may be able to recover up to $32,220 as a sole proprietor, freelancer, independent contractor, or gig worker. Take our pre-qualification survey to get started.

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