ERTC Advance for Medical Practices
Your medical practice filed for Employee Retention Tax Credit months ago. The refund could be $50,000-$500,000 or more. The IRS says 6-12 months processing time. An ERTC advance lets you access most of that refund now instead of waiting for government timelines.
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Understanding ERTC for Healthcare
The Employee Retention Tax Credit provided significant refunds to medical practices that maintained employees through COVID disruptions. IRS processing backlogs create long waits for approved refunds.
Healthcare ERTC Eligibility
Medical practices qualified for ERTC through revenue reduction tests or government shutdown orders affecting operations. Many practices maintained staff through disruptions, generating substantial credit amounts.
Processing Reality
IRS ERTC processing currently takes 6-12+ months due to massive filing volume and increased fraud review. Legitimate claims face the same delays as problematic ones.
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. Net result: capital now instead of later.
Recent Program Changes
The IRS has increased scrutiny of ERTC claims and temporarily paused processing of new claims while reviewing for fraud. This affects advance availability for recently filed claims.
The ERTC Waiting Problem
Legitimate ERTC refunds for medical practices are stuck in IRS processing backlogs.
IRS Processing Delays
Filed your ERTC claim 8 months ago. Still waiting. The IRS says 6-12 months, but many claims take longer. Your refund sits in processing limbo.
Capital Needs Now
Equipment needs, credentialing gaps, or growth opportunities do not wait for IRS timelines. Your practice needs capital while waiting for the refund.
Uncertain Timeline
No way to predict exactly when your refund arrives. Could be two months or eight more months. Cannot plan around uncertainty.
Opportunity Cost
Money sitting in IRS processing is money not working in your practice. Equipment purchases, growth investments, and opportunities pass while waiting.
Cash Flow Impact
You budgeted for that refund months ago. Continued delays strain practice cash flow and constrain operations.
Increased Scrutiny Concerns
IRS has increased ERTC fraud review. Even legitimate claims face additional delays as the agency works through backlogs.
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 in your practice.
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).
Healthcare Expertise
We understand medical practice ERTC claims. Revenue impact calculations, government order effects, and healthcare-specific factors.
No Monthly Payments
The advance is repaid when IRS pays the refund. No monthly payment obligations during the waiting period.
Flexible Use
Deploy the advance for any practice purpose: equipment, working capital, credentialing, expansion, or debt payoff.
Claim Validation
Our review process helps validate your claim calculation. Identify potential issues before IRS review.
Using Your ERTC Advance
How medical practices deploy ERTC advance capital.
Equipment Purchase
Use advance for medical equipment instead of waiting for refund. Equipment generates revenue while IRS processes.
Typical funding: Based on ERTC amount
Working Capital
Strengthen practice cash position. Bridge reimbursement timing and operational needs.
Typical funding: Based on ERTC amount
Debt Payoff
Pay down high-cost financing. Using ERTC advance to retire expensive debt improves cash flow.
Typical funding: Based on ERTC amount
Practice Investment
Fund growth initiatives, facility improvements, or technology upgrades.
Typical funding: Based on ERTC amount
Credentialing Capital
Fund new provider credentialing periods while waiting for ERTC refund.
Typical funding: Based on ERTC amount
Cash Reserve
Build practice cash reserves for emergencies and opportunities.
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 | Regular 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 |
| Best When | Need capital now | Can wait | No pending ERTC |
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 revenue reduction or government orders.
Valid eligibility
Reasonable Calculation
ERTC calculation methodology must be defensible under IRS guidelines.
Proper methodology
Operating Practice
Medical practice must still be operating and in good standing.
Active practice
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
Dr. Richard L.
Multi-Specialty Practice, Atlanta GA
The Challenge
Richard's 12-physician practice filed $420,000 in ERTC claims across 2020 and 2021 quarters. Filed 9 months ago, still waiting. He wanted to purchase $180,000 in diagnostic equipment but preferred not to take on debt with a large refund pending.
The Solution
We reviewed his ERTC filing and advanced $340,000 (81% of claimed amount). Fee structure meant he would receive approximately $280,000 net after IRS payment, compared to $420,000 if he waited.
The Result
Richard purchased the diagnostic equipment immediately. Equipment began generating $18,000 monthly in new revenue. When IRS paid 5 months later, the advance settled automatically. Equipment revenue more than covered the advance cost.
“I could wait another 6 months for full refund or take $340,000 now and put it to work. The equipment is generating $18,000 monthly. That revenue over 6 months exceeds what I gave up in advance fees.”
ERTC Program Data
Understanding the ERTC landscape for medical practices.
Why Advance Your ERTC
Strategic considerations for ERTC advance decisions.
Time Value of Money
Money now is worth more than money later. Deploy capital for revenue-generating activities.
Eliminate Uncertainty
Stop wondering when IRS will process. Convert uncertain timing to known capital.
Opportunity Capture
Equipment deals and growth opportunities do not wait for IRS timelines.
Risk Transfer
Non-recourse structures transfer some IRS adjustment risk to the advance provider.
Cash Flow Improvement
Strengthen practice cash position without taking on traditional financing.
Claim Validation
Professional review of your ERTC claim may identify issues before IRS review.