ERTC Advance for Retail & Ecommerce
Your retail business filed for Employee Retention Tax Credit months ago. The refund could be $50,000-$200,000+ based on staff retention through COVID shutdowns. The IRS says 6-12 months. An ERTC advance lets you access most of that refund now for inventory.
How much funding do you need?
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Understanding ERTC for Retail
The Employee Retention Tax Credit provided significant refunds to retail businesses that maintained staff through COVID. IRS processing backlogs create long waits.
Retail ERTC Eligibility
Retail businesses qualified through government-mandated shutdowns, capacity restrictions, or revenue decline during COVID periods.
Staff Retention Credits
Each retained employee generated ERTC. A retail store with 10-20 staff could generate $75,000-$200,000+ in credits.
Processing Reality
IRS ERTC processing currently takes 6-12+ months. Retail claims face the same delays.
Inventory Opportunity
ERTC advance can fund inventory for upcoming seasons rather than waiting for IRS.
The ERTC Waiting Problem
Retail ERTC refunds are stuck in IRS processing.
IRS Processing Delays
Filed your ERTC claim months ago. Still waiting. IRS says 6-12 months.
Inventory Waiting
That ERTC refund could fund holiday inventory. Instead it sits in IRS queue.
Working Capital Locked
Refund could strengthen inventory investment. Instead you manage tight cash.
Opportunity Cost
Money in IRS processing is money not working in your business.
Uncertain Timeline
No way to predict exactly when refund arrives.
Seasonal Timing
Holiday season approaching. ERTC could fund inventory if IRS would process.
ERTC Advance Process
Convert pending ERTC refund to inventory capital in weeks.
Application
Submit ERTC filing documentation, 941-X forms, and calculations.
Submit documents
Claim Review
We verify your filed claim and assess refund likelihood.
5-10 days
Offer
Receive advance offer: percentage of expected refund and fee structure.
Upon review
Funding
Accept and receive advance deposited to business account.
3-7 days
Bridge IRS Processing Delays
An ERTC advance converts your pending refund into immediate capital. Stop waiting 6-12+ months. Get 70-90% of expected refund now for inventory, marketing, or growth.
Immediate Capital
Receive 70-90% of expected ERTC refund within weeks.
Non-Recourse Structure
Many ERTC advances are non-recourse. If IRS reduces claim, you may not owe difference.
Retail Understanding
We understand retail ERTC claims based on COVID shutdowns and restrictions.
No Monthly Payments
Advance repaid when IRS issues refund. No monthly obligations.
Inventory Capital
Deploy advance for inventory rather than waiting for IRS.
Timing Control
Get capital when your business needs it, not when IRS processes.
Using Your ERTC Advance
How retail businesses deploy ERTC advance capital.
Inventory Investment
Holiday or seasonal inventory funded now.
Typical funding: Based on ERTC
Equipment/Fixtures
Store improvements and equipment purchased now.
Typical funding: Based on ERTC
Working Capital
Strengthen operating position.
Typical funding: Based on ERTC
Marketing Campaign
Customer acquisition investment.
Typical funding: Based on ERTC
Debt Payoff
Pay down high-cost MCA or financing.
Typical funding: Based on ERTC
Expansion
Fund new location or channel.
Typical funding: Based on ERTC
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 |
| 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 |
| Inventory Purchase | Now | When IRS pays | Now |
| 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.
Filed and acknowledged
Claim Documentation
Complete ERTC calculations and supporting documentation.
Full documentation
Legitimate Claim Basis
Claim must be based on actual eligibility.
Valid eligibility
Reasonable Calculation
ERTC calculation must be defensible.
Proper methodology
Operating Business
Retail business must still be operating.
Active operation
No Current IRS Issues
Should not have outstanding IRS liens or disputes.
Clean IRS standing
ERTC advances require thorough claim review. Stronger claims receive better terms.
Real Results
Harbor Home & Garden
Home Goods Retail, Massachusetts
The Challenge
Harbor filed $120,000 in ERTC claims based on maintaining 15-person staff through COVID closures. Filed 10 months ago, still waiting. Holiday season approaching and inventory needed.
The Solution
We reviewed the ERTC filing and advanced $96,000 (80% of claimed amount).
The Result
Holiday inventory fully stocked. Best season in store history. ERTC advance cost fraction of inventory revenue generated.
“Holiday inventory was waiting on ERTC that was waiting on IRS. The advance let us stock fully. We had inventory when competitors were sold out.”
ERTC Program Data
Understanding the ERTC landscape.
Why Advance Your ERTC
Strategic considerations for retail ERTC advance decisions.
Inventory Now
Stock shelves now rather than waiting for IRS.
Seasonal Timing
Fund holiday inventory before season peaks.
Eliminate Uncertainty
Stop wondering when IRS will process.
Risk Transfer
Non-recourse structures transfer some IRS adjustment risk.
Debt Elimination
Use advance to pay off expensive MCA.
Growth Capital
Deploy for expansion rather than waiting.