ERTC Advance for Gyms & Fitness
Your gym filed for Employee Retention Tax Credit months ago. The refund could be $20,000-$150,000 based on staff retention through COVID shutdowns. The IRS says 6-12 months processing. An ERTC advance lets you access most of that refund now for equipment, marketing, or operations.
How much funding do you need?
Drag the slider or type an amount
Understanding ERTC for Gyms
The Employee Retention Tax Credit provided significant refunds to gyms that maintained staff through COVID shutdowns and restrictions. IRS processing backlogs create long waits for approved refunds.
Gym ERTC Eligibility
Gyms qualified for ERTC through government-mandated shutdowns, capacity restrictions, and significant revenue decline during COVID periods. Most gyms experienced qualifying events.
Employee Retention Credits
Each retained employee generated ERTC. A gym with 8-10 staff through COVID restrictions could generate $50,000-$150,000+ 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. Gym 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
Gym 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 cardio replacement or new strength equipment. Instead it sits in IRS processing.
Marketing Timing
January is coming. Marketing campaign needs funding. ERTC refund would cover it but IRS has not processed.
Growth on Hold
Expansion planned. Equipment ready to order. Capital stuck waiting for government processing.
Facility Improvement
Facility needs refresh to compete. ERTC refund would fund renovation. Waiting loses members to newer competitors.
Uncertain Timeline
No way to predict exactly when your refund arrives. Could be two months or eight more months.
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, marketing, or gym improvements.
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.
Gym Understanding
We understand fitness ERTC claims based on shutdowns, capacity restrictions, 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, marketing, facility improvements, or any gym purpose.
Timing Control
Get capital when your gym needs it, not when IRS processing completes.
Using Your ERTC Advance
How fitness businesses deploy ERTC advance capital.
Equipment Purchase
Cardio, strength, or specialty equipment purchased now.
Typical funding: Based on ERTC amount
Marketing Campaign
Fund New Year or seasonal marketing push.
Typical funding: Based on ERTC amount
Facility Renovation
Flooring, locker rooms, or facility refresh.
Typical funding: Based on ERTC amount
Debt Payoff
Pay down high-cost financing or pandemic debt.
Typical funding: Based on ERTC amount
Operating Capital
Strengthen cash position for operations.
Typical funding: Based on ERTC amount
Expansion
Second location or facility expansion capital.
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 gym |
| 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 |
| Marketing Timing | Plan campaigns | Cannot plan | Plan campaigns |
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, restrictions, or revenue decline.
Valid eligibility
Reasonable Calculation
ERTC calculation methodology must be defensible under IRS guidelines.
Proper methodology
Operating Gym
Gym 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
FitZone Studio
Fitness Studio, California
The Challenge
FitZone filed $95,000 in ERTC claims based on maintaining their 10-person staff through COVID shutdowns and restrictions. Filed 8 months ago, still waiting. Equipment was aging and January marketing needed funding.
The Solution
We reviewed the ERTC filing and advanced $76,000 (80% of claimed amount). Fee structure meant approximately $65,000 net after IRS payment.
The Result
FitZone purchased new cardio equipment and launched January marketing campaign. When IRS paid 5 months later, the advance settled automatically.
“Waiting for IRS meant missing another January. ERTC advance funded equipment and marketing. We had our best Q1 ever. Worth every penny of the advance cost.”
ERTC Program Data for Gyms
Understanding the ERTC landscape for fitness businesses.
Why Advance Your ERTC
Strategic considerations for gym ERTC advance decisions.
Equipment Now
Equipment generating member satisfaction now is worth more than money later.
Marketing Timing
Fund January marketing when it matters, not when IRS processes.
Competitive Position
Facility improvements now protect membership against newer competitors.
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 pandemic-era financing.