ERTC Advance for Restaurants
Your restaurant filed for Employee Retention Tax Credit months ago. The refund could be $30,000-$200,000 or more based on staff retention through COVID shutdowns and restrictions. The IRS says 6-12 months processing. An ERTC advance lets you access most of that refund now.
How much funding do you need?
Drag the slider or type an amount
Understanding ERTC for Restaurants
The Employee Retention Tax Credit provided significant refunds to restaurants that maintained staff through COVID restrictions. IRS processing backlogs create long waits for approved refunds.
Restaurant ERTC Eligibility
Restaurants qualified for ERTC through government-ordered shutdowns, capacity restrictions, or significant revenue decline. Most restaurants that operated during COVID experienced qualifying events.
Staff Retention Credits
Each retained employee generated ERTC. A 20-person restaurant through COVID periods could generate $100,000-$400,000+ in credits depending on wages and retention periods.
Processing Reality
IRS ERTC processing currently takes 6-12+ months due to massive filing volume. Restaurant 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
Restaurant 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.
Equipment Waiting
That ERTC refund could fund kitchen renovation, new equipment, or expansion. Instead it sits in IRS processing.
Renovation on Hold
Dining room refresh would drive revenue, but the capital is stuck waiting for IRS timing.
Opportunity Cost
Money in IRS processing is money not working in your restaurant. Equipment, renovation, and growth wait.
Uncertain Timeline
No way to predict exactly when your refund arrives. Could be two months or eight more months.
Competitive Timing
Competitors investing while you wait for government processing. The timing gap affects your market position.
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, renovation, or growth.
Immediate Capital
Receive 70-90% of your 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 the claim, you may not owe the difference (varies by provider).
Restaurant Understanding
We understand restaurant ERTC claims and the shutdown, restriction, and revenue decline basis.
No Monthly Payments
The advance is repaid when IRS issues your refund. No monthly payment obligations.
Flexible Use
Deploy the advance for equipment, renovation, working capital, or any business purpose.
Growth Enablement
Convert waiting capital to growth investment. Do not let IRS timing constrain your trajectory.
Using Your ERTC Advance
How restaurants deploy ERTC advance capital.
Kitchen Equipment
New commercial equipment funded with ERTC advance. Improve efficiency now.
Typical funding: Based on ERTC amount
Dining Room Renovation
Refresh dining room to drive customer traffic and revenue.
Typical funding: Based on ERTC amount
Second Location
Fund expansion to additional location. Non-dilutive growth capital.
Typical funding: Based on ERTC amount
Debt Payoff
Pay down high-cost MCA or other financing. Improve cash flow.
Typical funding: Based on ERTC amount
Working Capital
Strengthen cash position for operations and inventory.
Typical funding: Based on ERTC amount
Technology Upgrade
New POS, online ordering, and kitchen display systems.
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 |
| 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 shutdown orders, restrictions, or revenue decline.
Valid eligibility
Reasonable Calculation
ERTC calculation methodology must be defensible under IRS guidelines.
Proper methodology
Operating Business
Restaurant 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
Riverside Grille
Full-Service Restaurant, Ohio
The Challenge
Riverside filed $145,000 in ERTC claims based on maintaining their 18-person staff through COVID shutdowns and restrictions. Filed 11 months ago, still waiting. They wanted to renovate the dining room.
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
Riverside completed dining room renovation immediately. Customer traffic increased 25%. When IRS paid 5 months later, the advance settled automatically. Renovation revenue far exceeded advance cost.
“I could wait another 6+ months for the full refund or take $116,000 now and renovate. The renovation increased revenue immediately. Best decision I made.”
ERTC Program Data for Restaurants
Understanding the ERTC landscape for food service.
Why Advance Your ERTC
Strategic considerations for restaurant ERTC advance decisions.
Investment Now
Equipment and renovation working now is worth more than money later.
Competitive Timing
Invest while others wait. Capital timing affects competitive position.
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.
Debt Elimination
Use advance to pay off expensive COVID-era financing.
Non-Dilutive Capital
ERTC refund is your money. Advancing it provides capital without new debt.