ERTC Advance for Agriculture
Your farm filed for Employee Retention Tax Credit months ago. The refund could be $25,000-$200,000 or more based on employee retention through COVID disruptions. The IRS says 6-12 months processing. An ERTC advance lets you access most of that refund now for equipment, inputs, or operations.
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Understanding ERTC for Agriculture
The Employee Retention Tax Credit provided significant refunds to farms that maintained employees through COVID disruptions. IRS processing backlogs create long waits for approved refunds.
Agriculture ERTC Eligibility
Farms qualified for ERTC through business disruptions, supply chain impacts, market shutdowns, or significant revenue decline during COVID periods. Most farming operations that maintained employees experienced qualifying events.
Employee Retention Credits
Each retained employee generated ERTC. A farm with 8-10 seasonal workers through COVID periods could generate $50,000-$200,000+ in credits depending on wages and qualifying periods.
Processing Reality
IRS ERTC processing currently takes 6-12+ months due to massive filing volume and increased scrutiny. Agricultural claims face the same delays as all industries.
How Advances Work
ERTC advance providers evaluate your filed claim, verify legitimacy, and advance 70-90% of expected refund. When IRS pays, the advance is repaid plus fees.
The ERTC Waiting Problem
Agriculture ERTC refunds are stuck in IRS processing backlogs.
IRS Processing Delays
Filed your ERTC claim many months ago. Still waiting. The IRS says 6-12 months, but many claims take longer.
Equipment Waiting
That ERTC refund could fund tractor replacement, implement upgrades, or equipment expansion. Instead it sits in IRS processing.
Input Capital Timing
Planting season arrives on schedule. IRS does not. Refund could fund inputs, but timing mismatch with agricultural needs.
Growth on Hold
Additional acreage available. Equipment expansion planned. But capital is stuck waiting for government processing.
Opportunity Cost
Money in IRS processing is money not working in your farm. Equipment, land, and inputs wait while government processes.
Uncertain Timeline
No way to predict exactly when your refund arrives. Could be two months or eight more months. Planning is impossible.
ERTC Advance Process
Convert pending ERTC refund to capital in weeks rather than months.
Application
Submit ERTC filing documentation, 941-X forms, and supporting calculations.
Submit documents
Claim Review
We verify your filed claim, evaluate calculation methodology, and assess refund likelihood.
5-10 days
Offer
Receive advance offer: percentage of expected refund and fee structure.
Upon review completion
Funding
Accept and receive advance deposited to business account. IRS pays us when refund processes.
3-7 days after acceptance
Bridge IRS Processing Delays
An ERTC advance converts your pending refund into immediate capital. Stop waiting 6-12+ months for IRS processing. Get 70-90% of your expected refund now and deploy it for equipment, inputs, or farm expansion.
Immediate Capital
Receive 70-90% of your expected ERTC refund within weeks rather than waiting 6-12+ months for IRS processing.
Non-Recourse Structure
Many ERTC advances are non-recourse. If IRS reduces or denies the claim, you may not owe the difference (varies by provider).
Agriculture Understanding
We understand farm ERTC claims and the disruption basis from supply chain, market access, and operational impacts.
No Monthly Payments
The advance is repaid when IRS issues your refund. No monthly payment obligations during the waiting period.
Flexible Use
Deploy the advance for equipment, inputs, land, operating capital, or any farm purpose.
Seasonal Alignment
Get capital when your farm needs it, not when IRS processing completes. Align with planting and harvest timing.
Using Your ERTC Advance
How farming operations deploy ERTC advance capital.
Equipment Purchase
Tractor, combine, or implement purchased now rather than waiting.
Typical funding: Based on ERTC amount
Input Capital
Fund next season's seed, fertilizer, chemicals, and inputs.
Typical funding: Based on ERTC amount
Land Purchase
Down payment or purchase of additional acreage.
Typical funding: Based on ERTC amount
Debt Payoff
Pay down high-cost operating loans or equipment financing.
Typical funding: Based on ERTC amount
Operating Capital
Strengthen cash position for operations and opportunities.
Typical funding: Based on ERTC amount
Infrastructure
Barns, storage, irrigation, or facility improvements.
Typical funding: Based on ERTC amount
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 farm |
| Cost | 10-30% of refund | None | Interest on amount |
| 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 |
| Investment Timing | Controllable | Unknown | Controllable |
| Seasonal Alignment | Possible | Unlikely | Possible |
ERTC Advance Requirements
What is needed to advance your pending ERTC refund.
Filed ERTC Claim
Must have already filed amended 941-X forms with the IRS claiming ERTC.
Filed and acknowledged
Claim Documentation
Complete ERTC calculation worksheets, 941-X forms, and supporting documentation.
Full documentation
Legitimate Claim Basis
Claim must be based on actual eligibility through disruptions, supply chain impacts, or revenue decline.
Valid eligibility
Reasonable Calculation
ERTC calculation methodology must be defensible under IRS guidelines.
Proper methodology
Operating Farm
Farm must still be operating and in good standing.
Active operation
No Current IRS Issues
Should not have outstanding IRS liens, levies, or major tax disputes.
Clean IRS standing
ERTC advances require thorough claim review. Stronger claims with clear documentation receive better advance terms.
Real Results
Blue Sky Farms
Row Crop Operation, Iowa
The Challenge
Blue Sky filed $145,000 in ERTC claims based on maintaining their seasonal crew of 12 workers through COVID disruptions. Filed 10 months ago, still waiting. They wanted to purchase a used combine at favorable pricing.
The Solution
We reviewed the ERTC filing and advanced $116,000 (80% of claimed amount). Fee structure meant approximately $98,000 net after IRS payment.
The Result
Blue Sky purchased the combine immediately at favorable pricing. Equipment operational for harvest. When IRS paid 5 months later, the advance settled automatically.
“I could wait another 6+ months for the full refund or take $116,000 now and buy that combine. The combine was earning money while I would have been waiting. Best decision.”
ERTC Program Data for Agriculture
Understanding the ERTC landscape for farming operations.
Why Advance Your ERTC
Strategic considerations for agriculture ERTC advance decisions.
Investment Now
Equipment working now generates returns immediately, not 6-12 months from now.
Seasonal Alignment
Get capital aligned with planting and harvest timing, not IRS processing.
Input Timing
Fund inputs when needed, not when government processes your claim.
Eliminate Uncertainty
Stop wondering when IRS will process. Convert uncertain timing to known capital.
Risk Transfer
Non-recourse structures transfer some IRS adjustment risk to the advance provider.
Debt Elimination
Use advance to pay off expensive operating loans or other financing.