ERTC Advance for Dental Practices
Your dental practice filed for Employee Retention Tax Credit months ago. The refund could be $50,000-$200,000+ based on staff retention through COVID shutdowns and capacity restrictions. The IRS says 6-12 months processing. An ERTC advance lets you access most of that refund now.
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Understanding ERTC for Dental Practices
The Employee Retention Tax Credit provided significant refunds to dental practices that maintained staff through COVID disruptions. IRS processing backlogs create long waits for approved refunds.
Dental ERTC Eligibility
Dental practices qualified for ERTC through government-mandated shutdowns, capacity restrictions, or significant revenue decline during COVID periods. Many practices experienced qualifying events.
Staff Retention Credits
Each retained employee generated ERTC. A dental practice with 8-15 staff through COVID restrictions could generate $75,000-$200,000+ in credits depending on wages.
Processing Reality
IRS ERTC processing currently takes 6-12+ months due to massive filing volume and increased scrutiny. Dental practice claims face the same delays.
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.
The ERTC Waiting Problem
Dental practice ERTC refunds are stuck in IRS processing backlogs.
IRS Processing Delays
Filed your ERTC claim months ago. Still waiting. The IRS says 6-12 months, but many claims take longer.
Equipment Waiting
That ERTC refund could fund new CBCT or operatory upgrade. Instead it sits in IRS processing queue.
Working Capital Locked
Refund could strengthen cash reserves. Instead you manage tight cash while money sits at IRS.
Opportunity Cost
Money sitting in IRS processing is money not working in your practice generating revenue.
Uncertain Timeline
No way to predict exactly when your refund arrives. Could be two months or eight more months.
Growth Constraints
Expansion plans delayed waiting for capital that is technically yours but locked in IRS processing.
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 practice 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, working capital, or growth.
Immediate Capital
Receive 70-90% of expected ERTC refund within weeks rather than waiting 6-12+ months.
Non-Recourse Structure
Many ERTC advances are non-recourse. If IRS reduces or denies claim, you may not owe the difference.
Dental Practice Understanding
We understand dental practice ERTC claims based on COVID shutdowns, capacity limits, and revenue impact.
No Monthly Payments
The advance is repaid when IRS issues your refund. No monthly payment obligations during wait.
Flexible Use
Deploy the advance for equipment, working capital, or any practice purpose.
Timing Control
Get capital when your practice needs it, not when IRS processing completes.
Using Your ERTC Advance
How dental practices deploy ERTC advance capital.
Equipment Purchase
CBCT, CAD/CAM, operatory equipment purchased now instead of waiting.
Typical funding: Based on ERTC amount
Working Capital
Strengthen cash reserves and operating position.
Typical funding: Based on ERTC amount
Debt Payoff
Pay down high-cost MCA or other expensive financing.
Typical funding: Based on ERTC amount
Operatory Expansion
Build out additional operatories for growth.
Typical funding: Based on ERTC amount
Technology Upgrade
Digital imaging, practice management systems, technology investment.
Typical funding: Based on ERTC amount
Marketing Campaign
Patient acquisition investment to drive growth.
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 practice |
| 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 |
| Equipment 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 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 shutdowns, capacity limits, or revenue decline.
Valid eligibility
Reasonable Calculation
ERTC calculation methodology must be defensible under IRS guidelines.
Proper methodology
Operating Practice
Dental practice 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
Bright Smiles Family Dentistry
General Dentistry, Florida
The Challenge
Bright Smiles filed $145,000 in ERTC claims based on maintaining their 12-person staff through COVID shutdowns. Filed 8 months ago, still waiting. Wanted to add CAD/CAM system and expand marketing.
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
Bright Smiles purchased CAD/CAM system and launched marketing campaign immediately. Equipment is generating revenue and same-day crown production while waiting for IRS.
“Waiting another 6-12 months for IRS meant delaying growth. The CAD/CAM system is already generating revenue. Worth every penny of the advance cost.”
ERTC Program Data for Dental
Understanding the ERTC landscape for dental practices.
Why Advance Your ERTC
Strategic considerations for dental practice ERTC advance decisions.
Equipment Now
CBCT or CAD/CAM generating revenue now is worth more than money sitting in IRS queue.
Competitive Timing
Invest while competitors wait. Gain market advantage with modern equipment.
Eliminate Uncertainty
Stop wondering when IRS will process. Convert uncertainty to known capital.
Risk Transfer
Non-recourse structures transfer some IRS adjustment risk to advance provider.
Debt Elimination
Use advance to pay off expensive MCA or other high-cost financing.
Growth Capital
Deploy for expansion rather than waiting while opportunities pass.