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Advance Your ERTC
Accelerate Your Business

Skip the IRS Backlog

Recover up to 95% of your ERC refund FAST - choose Buyout for speed or Accelerate for maximum payout.

Begin Application

*See Terms & Conditions for details

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Apply Online

Apply in minutes: complete our simple application.

Get Approved

Receive approval in 7-14 days or less.

Receive Funds

Direct deposit of up to 95% of your pending ERC claim.

Accelerate

Watch your business excel with the use of your funds.

Why ERTC Refund is the Best Choice for Expediting

Outcome ERTC Refund Expediting Waiting in the IRS Backlog
Timeframe to Get Paid



10-14 Days



2–3+ Years

if any money is left

Upfront Cost



$0



$0 - $20,000

Application Process



15 Minutes



No Fast Track

Audit Protection



Included



No

100% Risk-Free



Yes



No

Customer Support



24/7 Phone & Text Support



No
ne

Stop Waiting. Start Growing.

The IRS is currently processing only 1,000–2,000 ERC claims per week. At this pace, it could take up to 10 years for all claims to be paid. You don’t have to wait that long.

We offer two powerful ways to get your ERC refund faster:

  • Buyout – Receive up to 85% of your principal refund amount within 30 days. Perfect if you need capital now.
  • Accelerate – Our experts go to bat for you with the IRS to recover up to 95% of your principal refund amount within 120 days — with no upfront fees and payment only if we succeed.

Everything You Need. All in One Place.

Track your funding progress, upload required documents, and securely communicate with our team through our streamlined customer portal

Begin Application

Top FAQs

How much funding can I receive?

With our Buyout option, you can receive up to 85% of your ERC principal refund amount in as little as 30 days.

With our Accelerate option, our team works directly with the IRS to recover up to 95% of your principal refund amount in 120 days or less — with no upfront fees and payment only if we succeed.

Is this a loan or an advance?

No, in both programs, this is not a loan.

With Buyout, it’s an asset purchase agreement — we purchase the rights to a portion of your approved ERC refund, giving you up to 85% of your principal refund now.

With Accelerate, there’s no purchase at all — we work to get your full ERC refund released faster and simply charge a 5% success fee if we recover your funds in 120 days or less.

What happens if the IRS denies my claim?

IRS denials are extremely rare — out of thousands of cases we’ve handled, only a handful have had issues.

  • Buyout: If your claim is reduced or denied, you’ll be asked to appeal the decision in good faith. If the appeal doesn’t resolve it, we’ll work with you directly to find a fair solution, including flexible repayment options.

Accelerate: If the IRS ultimately denies your claim, you pay nothing — there are no upfront fees, and our success fee only applies if we recover your funds within 120 days.

Bottom line: We’re on your side and will fight to get your claim approved.

Are there credit checks or collateral required?

No personal credit check is required for either program.

  • Buyout: The asset purchase is secured solely by your anticipated ERC refund. Business underwriting may apply.

  • Accelerate: No credit checks, no collateral — we simply work to get your ERC funds released faster and only charge our success fee if we succeed.

Bottom line: Your eligibility is based on your ERC claim, not your credit score. You get your money faster, without taking on debt.

WHAT IS ERTC?

The Employee Retention Credit (ERC), also referred to as the Employee Retention Tax Credit (ERTC)

The Employee Retention Credit (ERC or ERTC), established under the CARES Act, was designed to incentivize businesses to retain employees by offering a tax credit for wages paid to eligible employees. This refundable credit applies to wages paid between March 13, 2020, and September 30, 2021, and can be claimed even by businesses that received PPP loans. Additionally, businesses that launched after February 15, 2020, may qualify for up to $100,000 in credits for wages paid between July 1, 2021, and December 31, 2021.

Start Application
Estimate my refund
No Cost to Apply
Simple Upload of Documents
Receive Refund
No Cost to Apply
Simple Upload of Documents
Receive Refund

Have Additional Questions?

We’re here to help you access the ERC refund you’ve already claimed as quickly and easily as possible. If you’re approved and stuck waiting in the backlog, our team is dedicated to advance you up to 85% of your refund in as little as 10–14 days.

  • No Upfront Cost – It’s 100% free to apply.
  • Fast & Easy Process – Just minutes to get started.
  • Get Funded, Not Frustrated

Let’s get your money moving today.

Begin Application

Get in Touch

Email

support@ertcrefund.com

Call

916-297-4613

Office

101 Creekside Ridge Court
Suite 225B
Roseville, California 95678

Customer Support Hours

Monday – Friday
9:00am – 9:00pm PST

RESOURCES

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CONTACT

  • 101 Creekside Ridge Court
    Suite 225B
    Roseville, California 95678

ERTC REFUND HOTLINE

  • 916-297-4613
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ERTC Refund is a financial technology company, not a bank. Loan products are provided by Community Bank & Trust – WGA, an Equal Housing Lender, Member FDIC.

Not all claimants are eligible for the Employee Retention Tax Credit (ERTC). Eligibility is determined by specific qualifications under applicable IRS tax regulations. As an applicant, you are responsible for providing accurate and truthful information. ERTC Refund provides a secure, proprietary technology platform to assist in gathering and verifying information for the purpose of filing the ERTC claim for qualified businesses. ERTC Refund utilizes only verified IRS data in calculating refund eligibility.

Applicants for the ERTC applying through ERTC Refund may be eligible for an Express Refund. Not all applicants qualify. The tax credit amount must be $3,000 or greater to be eligible. Applicants in Iowa, Colorado, and U.S. Territories are not eligible for the Express Refund option.

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Advance Your ERTC. Accelerate Your Business.

Turn your pending ERTC into working capital. Your claim is your asset. Start using it now. 

Extension Deadline Per State

As of April 25, 2025, the IRS has granted federal tax filing and payment extensions to taxpayers in several states affected by natural disasters. These extensions apply to various tax filings and payments, including those related to the Employee Retention Tax Credit (ERTC), provided the business is located in a federally declared disaster area.
 
States with Tax Deadline Extensions Beyond April 15, 2025
 
September 25, 2025 Deadline
• North Carolina – Entire state (Hurricane Helene)
 
October 15, 2025 Deadline
• California – Los Angeles County (January Wildfires) 
 
November 3, 2025 Deadline
• Tennessee – Entire state (severe storms, straight-line winds, tornadoes, and flooding)
• Kentucky – Entire state (severe storms, straight-line winds, flooding, and landslides)
• West Virginia – Specific counties, including Boone, Greenbrier, Lincoln, Logan, McDowell, Mercer, Mingo, Monroe, Raleigh, Summers, Wayne, and Wyoming
 
Important Notes
• These extensions apply to various tax filings and payments, including individual income tax returns, business returns, and estimated tax payments.
• Taxpayers do not need to take any action to receive these extensions; they are applied automatically based on the taxpayer’s address of record.
• If you reside outside the designated disaster areas but your tax records are located within the affected regions, you may still qualify for relief. Contact the IRS at 866-562-5227 for assistance.
 
For the most current information and a complete list of affected areas, visit the IRS’s official page on Tax Relief in Disaster Situations.
Start a new claim

Advance Your ERTC. Accelerate Your Business.

Turn your pending ERTC into working capital. Your claim is your asset. Start using it now. 

Extension Deadline Per State

As of April 25, 2025, the IRS has granted federal tax filing and payment extensions to taxpayers in several states affected by natural disasters. These extensions apply to various tax filings and payments, including those related to the Employee Retention Tax Credit (ERTC), provided the business is located in a federally declared disaster area.
 
States with Tax Deadline Extensions Beyond April 15, 2025
 
September 25, 2025 Deadline
• North Carolina – Entire state (Hurricane Helene)
 
October 15, 2025 Deadline
• California – Los Angeles County (January Wildfires) 
 
November 3, 2025 Deadline
• Tennessee – Entire state (severe storms, straight-line winds, tornadoes, and flooding)
• Kentucky – Entire state (severe storms, straight-line winds, flooding, and landslides)
• West Virginia – Specific counties, including Boone, Greenbrier, Lincoln, Logan, McDowell, Mercer, Mingo, Monroe, Raleigh, Summers, Wayne, and Wyoming
 
Important Notes
• These extensions apply to various tax filings and payments, including individual income tax returns, business returns, and estimated tax payments.
• Taxpayers do not need to take any action to receive these extensions; they are applied automatically based on the taxpayer’s address of record.
• If you reside outside the designated disaster areas but your tax records are located within the affected regions, you may still qualify for relief. Contact the IRS at 866-562-5227 for assistance.
 
For the most current information and a complete list of affected areas, visit the IRS’s official page on Tax Relief in Disaster Situations.
Start a new claim