Get Fast ERTC Bridge Financing

Swift’s ERC Bridge Financing allows you to access cash upfront for your ERC refund, so you don’t have to wait on the IRS. Submit an ERC Financing Application online to get started.

Up to 95% of the
Value of ERC Refund.

Industry's Best
Rates, Selection, and Terms

24 Hours
Pre-Approval Time 

The valuation of your ERC claim must be $100,000 or higher. There is no cap on the amount that can be financed. Rates and terms may vary.

Skip IRS Processing Delays with ERC Bridge Financing

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Put your ERC refund to use now and get access to the best ERC financing rates, selection, and terms available in the industry.

Easy Application Process

It takes just a few minutes and some basic information to get started, and we’ll guide you through every step of your application from there.

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Fast Turnaround on Funds

Get a pre-approval decision in as little as 72 hours and have your funds deposited the same day you accept your ERC financing offer.

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Industry-Leading Support

We'll help you determine your fit for ERC Bridge Financing with complete transparency and work with you to secure the best rate and terms.

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OVERVIEW OF ERC FINANCING

What Is ERC Bridge Financing?

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We offer two programs to get early access to the capital from your ERTC Checks

Lower Capital Cost Than Traditional Financing

  • Bridge loan of up to 95% of your ERTC. Interest only monthly payments until the ERTC comes in

  • ERTC Sale for a one time 18-20% discount fee of your ERTC.

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TYPES, FEATURES, AND BENEFITS OF ERC FINANCING

Types of ERC Financing We Offer

ERC Bridge Loan

An ERC Bridge Loan allows you to borrow a portion of your ERC tax refund while paying interest-only remittances until the IRS issues your checks.

Key Features

  • 24 Hours
    Pre-Approval Time

  • As Low as 1.5%
    Interest Rate

  • Until Refund Is Issued
    Repayment Term

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ERC Buyout

An ERC Buyout allows you to sell a portion of your ERC refund in exchange for a percentage-based fee with no interest and no repayment term.

Key Features

  • 1 - 2 Weeks
    Pre-Approval Time

  • No Interest
    Interest Rate

  • No Repayment Term
    Repayment Term

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Our ERC Financing Application Process

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  • (Time to Complete = 4 Minutes)
    Provide some basic details about you, your business, and your ERC claim using our four-minute ERC Financing Form.

  • (Time to Complete = 5 Minutes)
    We'll contact you to discuss the documentation needed to complete your application and answer any questions you may have.

  • (Time to Complete = 48-72 Hours)
    We'll begin processing your application as soon as we've received all the necessary documentation and get you an approval decision in as little as 48-72 hours.

  • (Time to Complete = Same Day)
    We'll provide you with your final ERC Bridge Financing offer(s) to review. Once accepted, your funds will be deposited into your account.

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FAQS ABOUT ERC FINANCING

Frequently Asked Questions, Answered

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  • No. There are no limitations on how qualifying employers use the funds they receive from ERC funding options (i.e., ERC Advance Loans or ERC Buyouts).

  • Yes, ERC loans are secured against employers’ anticipated ERC refund amount. Personal guarantees may also apply depending on the viability of employers’ businesses, creditworthiness, and other factors.

  • Pre-approvals can take as little as 24 hours, but the time it takes to receive funds for an ERC Buyout or an ERC loan is closer to one to two weeks. ERC Buyouts can be faster. Turnarounds are primarily determined by applicants’ responsiveness to requests for documentation or information and lenders’ capabilities.

  • Lenders’ requirements for ERC Advance Loans and ERC Buyouts vary but generally include the following:

    • Satisfy the IRS’s ERC Eligibility Criteria

    • Proof of IRS Form 941-X Report Submission(s)

    • Minimum ERC Refund of $75,000 (ERC Buyout) or $100,000 (ERC Advance Loan)

    • Minimum Credit Score of 500 (ERC Buyout) or 600 (ERC Advance Loan)

    • No Tax Liens or Judgements

  • The IRS will include accrued interest when issuing employers’ ERC refunds based on the dates the refund amount applies and their processing time. This IRS-paid interest accounts for the time value of outstanding ERC balances with the agency.

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Stop Waiting, Start Applying

Start your ERC financing application today so you can begin using your payroll tax refund where it’s needed.

Start ERC Financing Application