ERTC Advance for Accounting Firms
Your accounting firm filed for Employee Retention Tax Credit months ago. The refund could be $30,000-$150,000+ based on staff retention through COVID. The IRS says 6-12 months. An ERTC advance lets you access most of that refund now.
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Understanding ERTC for Accounting Firms
The Employee Retention Tax Credit provided significant refunds to accounting firms that maintained staff through COVID. IRS processing backlogs create long waits.
Accounting Firm Eligibility
Many CPA firms qualified for ERTC through revenue decline during COVID periods when clients delayed work or reduced engagements.
Staff Retention Credits
Each retained employee generated ERTC. A CPA firm with 5-10 staff could generate $35,000-$100,000+ in credits depending on wages.
Processing Reality
IRS ERTC processing currently takes 6-12+ months due to filing volume and scrutiny.
How Advances Work
ERTC advance providers evaluate your filed claim and advance 70-90% of expected refund. When IRS pays, the advance is repaid.
The ERTC Waiting Problem
Accounting firm ERTC refunds are stuck in IRS processing.
IRS Processing Delays
Filed your ERTC claim months ago. Still waiting. IRS says 6-12 months.
Technology Waiting
That ERTC refund could fund technology upgrade. Instead it sits in IRS queue.
Working Capital Locked
Refund could strengthen cash reserves. Instead you manage tight cash.
Opportunity Cost
Money in IRS processing is money not working in your firm.
Uncertain Timeline
No way to predict exactly when refund arrives.
Growth Constraints
Expansion delayed waiting for capital that is technically yours.
ERTC Advance Process
Convert pending ERTC refund to capital in weeks.
Application
Submit ERTC filing documentation, 941-X forms, and calculations.
Submit documents
Claim Review
We verify your filed claim and assess refund likelihood.
5-10 days
Offer
Receive advance offer: percentage of expected refund and fee structure.
Upon review
Funding
Accept and receive advance deposited to firm account.
3-7 days
Bridge IRS Processing Delays
An ERTC advance converts your pending refund into immediate capital. Stop waiting 6-12+ months. Get 70-90% of expected refund now for technology, working capital, or growth.
Immediate Capital
Receive 70-90% of expected ERTC refund within weeks.
Non-Recourse Structure
Many ERTC advances are non-recourse. If IRS reduces claim, you may not owe difference.
Accounting Firm Understanding
We understand CPA firm ERTC claims based on COVID revenue impact.
No Monthly Payments
Advance repaid when IRS issues refund. No monthly obligations.
Flexible Use
Deploy advance for technology, working capital, or any purpose.
Timing Control
Get capital when your firm needs it, not when IRS processes.
Using Your ERTC Advance
How accounting firms deploy ERTC advance capital.
Technology Investment
Software, servers, and technology purchased now.
Typical funding: Based on ERTC
Working Capital
Strengthen cash reserves and operating position.
Typical funding: Based on ERTC
Debt Payoff
Pay down high-cost MCA or expensive financing.
Typical funding: Based on ERTC
Staff Hiring
Fund new accountant while ERTC processes.
Typical funding: Based on ERTC
Office Improvement
Renovations and improvements.
Typical funding: Based on ERTC
Marketing Campaign
Client development investment.
Typical funding: Based on ERTC
ERTC Advance vs. Waiting
Understanding the trade-offs of advancing your ERTC refund.
| Feature | ERTC Advance | Wait for IRS | Other Financing |
|---|---|---|---|
| Time to Capital | 2-4 weeks | 6-12+ months | 1-4 weeks |
| Amount Received | 70-90% of refund | 100% of refund | Based on practice |
| Cost | 10-30% of refund | None | Interest |
| Monthly Payments | None until refund | N/A | Yes |
| Certainty | Known timeline | Uncertain | Known terms |
| Risk if IRS Reduces | Varies (non-recourse) | Receive less | N/A |
| Technology Purchase | Now | When IRS pays | Now |
| Investment Timing | Controllable | Unknown | Controllable |
ERTC Advance Requirements
What is needed to advance your pending ERTC refund.
Filed ERTC Claim
Must have already filed amended 941-X forms.
Filed and acknowledged
Claim Documentation
Complete ERTC calculations and supporting documentation.
Full documentation
Legitimate Claim Basis
Claim must be based on actual eligibility.
Valid eligibility
Reasonable Calculation
ERTC calculation must be defensible under IRS guidelines.
Proper methodology
Operating Firm
Accounting firm must still be operating.
Active operation
No Current IRS Issues
Should not have outstanding IRS liens or disputes.
Clean IRS standing
ERTC advances require thorough claim review. Stronger claims with clear documentation receive better terms.
Real Results
Summit Tax & Advisory
CPA Firm, Florida
The Challenge
Summit filed $85,000 in ERTC claims based on maintaining 8-person staff through COVID revenue decline. Filed 9 months ago, still waiting. Wanted technology upgrade and marketing investment.
The Solution
We reviewed the ERTC filing and advanced $68,000 (80% of claimed amount).
The Result
Summit purchased new server infrastructure and launched marketing campaign immediately. Technology operational while waiting for IRS.
“Waiting another 6+ months for IRS meant delaying technology that we needed. The advance let us invest in the firm now.”
ERTC Program Data
Understanding the ERTC landscape.
Why Advance Your ERTC
Strategic considerations for ERTC advance decisions.
Technology Now
Software and equipment generating value now is worth more than money in IRS queue.
Competitive Timing
Invest while competitors wait.
Eliminate Uncertainty
Stop wondering when IRS will process. Convert to known capital.
Risk Transfer
Non-recourse structures transfer some IRS adjustment risk.
Debt Elimination
Use advance to pay off expensive financing.
Growth Capital
Deploy for expansion rather than waiting.