ERTC Advance for Hotels & Hospitality
Your hotel filed for Employee Retention Tax Credit months ago. The refund could be $100,000-$500,000 or more given hospitality's significant staffing. The IRS says 6-12 months processing. An ERTC advance lets you access most of that refund now instead of waiting for government timelines.
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Understanding ERTC for Hospitality
The Employee Retention Tax Credit provided significant refunds to hospitality businesses that maintained staff through COVID disruptions. IRS processing backlogs create long waits for approved refunds.
Hospitality ERTC Impact
Hotels were among the most affected industries during COVID. Government shutdown orders closed properties. Revenue drops exceeded 50%. These factors drove significant ERTC eligibility for hospitality.
Large Staff, Large Credits
Hospitality is labor-intensive. A 100-room hotel might have 50-100 employees. At up to $26,000 per employee, ERTC claims in hospitality often reach $500,000-$2M+.
Processing Reality
IRS ERTC processing currently takes 6-12+ months due to massive filing volume. Hospitality 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 for Hospitality
Large hospitality 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. Your large refund sits in processing limbo.
Capital Needs Now
Renovation projects, equipment replacement, or seasonal preparation cannot wait for IRS timelines. Your property needs capital while waiting.
Large Claim, Long Wait
Hospitality ERTC claims are often substantial due to large staff. A $600,000 refund sitting in IRS processing represents significant idle capital.
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 in IRS processing is not working in your property. Renovation, equipment, and improvements wait while the refund sits idle.
Cash Flow Impact
You budgeted for that refund months ago. Continued delays strain property cash flow and constrain operations.
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 property 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 property.
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).
Hospitality Expertise
We understand hospitality ERTC claims. Shutdown order impacts, revenue reduction tests, and industry-specific factors.
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 any property purpose: renovation, equipment, working capital, or debt payoff.
Large Claim Capacity
Hospitality claims are often substantial. We can handle advances on large ERTC claims common in the industry.
Using Your ERTC Advance
How hospitality businesses deploy ERTC advance capital.
Property Renovation
Use advance for room updates, common area improvements, or amenity enhancements. Do not wait for IRS.
Typical funding: Based on ERTC amount
Equipment Replacement
Replace HVAC, kitchen, or laundry equipment now using ERTC advance.
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
Working Capital
Strengthen property cash position. Bridge seasonal gaps and operational needs.
Typical funding: Based on ERTC amount
Pre-Season Investment
Fund seasonal preparation without depleting reserves or taking other financing.
Typical funding: Based on ERTC amount
Cash Reserve
Build property 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 | 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 property |
| 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
Valid eligibility
Reasonable Calculation
ERTC calculation methodology must be defensible under IRS guidelines.
Proper methodology
Operating Property
Hospitality property must still be operating and in good standing.
Active property
No Current IRS Issues
Should not have outstanding IRS liens, levies, or major tax disputes.
Clean IRS standing
ERTC advances require thorough claim review. Hospitality claims with clear shutdown order impacts or documented revenue drops receive favorable terms.
Real Results
Oceanfront Resort
120-room Beach Resort, Florida
The Challenge
The resort filed $780,000 in ERTC claims across 2020 and 2021 quarters based on government shutdown orders and 70%+ revenue decline. Filed 11 months ago, still waiting. The owner wanted to complete a $300,000 room renovation before summer season.
The Solution
We reviewed the ERTC filing and advanced $625,000 (80% of claimed amount). Fee structure meant approximately $530,000 net after IRS payment.
The Result
Renovation completed before Memorial Day. Updated rooms commanded $50/night higher rates. When IRS paid 4 months later, the advance settled automatically. The renovation generated returns far exceeding the advance cost.
“I could wait another 6+ months for the full refund or take $625,000 now and renovate before summer. The renovated rooms are generating $200,000 more revenue this season. The decision was obvious.”
ERTC Program Data for Hospitality
Understanding the ERTC landscape for hotels and lodging.
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 improvements.
Seasonal Timing
Complete renovation or improvements before peak season. Do not wait for IRS.
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.
Cash Flow Improvement
Strengthen property cash position without taking on traditional financing.
Claim Validation
Professional review of your ERTC claim may identify issues before IRS review.