ERTC Advance for Technology Companies
Your IT company filed for Employee Retention Tax Credit months ago. The refund could be $50,000-$300,000 or more based on retained engineers and staff. The IRS says 6-12 months processing. An ERTC advance lets you access most of that refund now for growth investment.
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Understanding ERTC for IT Companies
The Employee Retention Tax Credit provided significant refunds to IT companies that maintained staff through COVID disruptions. IRS processing backlogs create long waits for approved refunds.
IT Company ERTC Eligibility
IT companies qualified for ERTC through revenue reduction tests or government shutdown orders affecting client access. Many companies maintained engineering staff despite reduced project work.
Tech Staff Credits
High-salary technical staff generate larger credits per employee. An engineer earning $100,000+ generates significant ERTC. IT companies often have substantial total credit amounts.
Processing Reality
IRS ERTC processing currently takes 6-12+ months due to massive filing volume. IT company 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
IT company 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 refund sits in processing limbo.
Growth Capital Waiting
That ERTC refund could fund hiring, equipment, or expansion. Instead it sits in IRS processing while growth opportunities pass.
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 money not working in your company. Engineers, infrastructure, and growth investments wait while the refund sits idle.
Cash Flow Impact
You budgeted for that refund months ago. Continued delays constrain operations and growth investment.
Competitive Timing
Competitors investing while you wait for government processing. The timing gap affects competitive positioning.
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 growth, hiring, or operations.
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).
Tech Understanding
We understand IT company ERTC claims. Revenue impact calculations and staff retention documentation for technology businesses.
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 business purpose: hiring, equipment, working capital, growth investment.
Growth Enablement
Convert waiting capital to growth investment. Do not let IRS timing constrain your trajectory.
Using Your ERTC Advance
How IT companies deploy ERTC advance capital.
Hiring Investment
Use advance to hire engineers or sales staff. Do not wait for IRS to build capacity.
Typical funding: Based on ERTC amount
Equipment Purchase
Infrastructure, servers, and development tools funded with ERTC advance.
Typical funding: Based on ERTC amount
Growth Capital
Fund sales, marketing, and business development. Invest in growth now.
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 cash position for operations, project execution, or AR bridge.
Typical funding: Based on ERTC amount
Acquisition Capital
Fund MSP or IT company acquisition. ERTC provides non-dilutive capital for M&A.
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 business |
| 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 Business
IT company must still be operating and in good standing.
Active business
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
TechCore Solutions
IT Services Company, Seattle WA
The Challenge
TechCore filed $185,000 in ERTC claims based on maintaining their 12-person engineering team through significant revenue reduction. Filed 9 months ago, still waiting. They wanted to use the refund for growth investment.
The Solution
We reviewed the ERTC filing and advanced $148,000 (80% of claimed amount). Fee structure meant approximately $125,000 net after IRS payment.
The Result
TechCore invested in sales and marketing immediately. Revenue grew 35% over the next 8 months. When IRS paid 5 months later, the advance settled automatically. Growth investment generated returns far exceeding the advance cost.
“I could wait another 6+ months for the full refund or take $148,000 now and invest in growth. The growth investment generated 3x returns in the time I would have spent waiting.”
ERTC Program Data for IT
Understanding the ERTC landscape for technology companies.
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.
Growth Timing
Invest in hiring, sales, and capacity now. Do not let IRS timing constrain growth.
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.
Competitive Positioning
Invest while competitors wait. Capital timing affects competitive dynamics.
Non-Dilutive Capital
ERTC refund is your money. Advancing it is non-dilutive growth capital.