Employee Retention Credit

Don’t Wait A Year For Your Employee Retention Credit (ERC) Refund!

Apply Now for an ERC advance loan with Peach Capital

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During the pandemic, Congress enacted the CARES Act, which introduced the Employee Retention Tax Credit (ERTC), an essential lifeline for small and mid-sized businesses. The ERTC, also known as the Employee Retention Credit (ERC), stands out as a powerful tax incentive designed to support employers during challenging times.

This refundable credit allows business owners to claim it on overpayments of payroll taxes made throughout the COVID-19 pandemic. Remarkably, eligible businesses may receive a cash refund from the IRS of up to an impressive $26,000 per full-time employee. This relief measure aimed to ease the financial burden on businesses and encourage them to retain their valuable workforce despite the economic difficulties caused by the pandemic.


Tired of ERC refund delays? Peach Capital is your answer. Our ERC loan, based on your expected refund, cuts through backlogs. Keep your business thriving while we handle the wait. Even if you haven't filed with us, seize this opportunity for prompt relief.

By offering ERC bridge loans based on the projected value of your ERC refund, Peach Capital provides a lifeline to businesses like yours, enabling you to maintain strong operations while awaiting your crucial funds. The best part is that you don't even need to have filed your ERC with Peach Capital to take advantage of this opportunity.

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Loan decisions are made in as little as one day, with closing in up to 30 days for existing clients.

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Loan values vary based on the expected ERC refund value of approved clients. There is no minimum or maximum loan amount.

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Equitable & Accommodating

Peach Capital serves typical borrowers and under-resourced clients, including low credit, the self-employed, and corporations/LLCs.

ERC Bridge Loan Details

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All you need to get started with Peach Capital is a valid ERC claim filed with the government. We provide a simple 12-month business bridge loan of up to 65% LTV of your anticipated ERC refund amount. Repayment begins after your loan clears, ending with a balloon payment once your ERC refund arrives. It is that simple! No lengthy paperwork or complex applications exist because we exclusively use your ERC refund as collateral. We close loans in just three days for Peach Capital’s existing ERC clients. New clients can have their ERC processed and receive advance funds in as little as 30 days.

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Peach Capital's innovative bridge loan offers a crucial lifeline to businesses during challenging times. This unique offering allows businesses to access much-needed capital while awaiting their ERTC refund, which can often take a considerable amount of time to process.

For instance, consider a small retail store facing declining revenue. By securing the ERTC Advance from Peach Capital, they can cover immediate payroll costs, invest in an online platform, and maintain financial stability. This powerful combination ensures businesses can strategically allocate funds, seize growth opportunities, and enhance employee morale, providing the necessary support to thrive amid economic uncertainties.

What are the Loan Terms?

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Peach Capital loans are available at up to 65% loan-to-value (LTV).

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You must have a valid Employee Retention Credit claim with the government.

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Repayment of the loan begins upon funding and ends with a balloon payment when you receive your refund.

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Loan value and approval are determined by your expected ERC refund.

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Financing can be processed in just 30 days with no up front fees.

Don't Miss Out

Peach Capital helps you manage your expenses with an infusion of working capital to purchase new equipment, pay talented employees, or expand your business.


Frequently Asked Questions (FAQs)

A: The ERTC Advance is an ERC loan program offered by Peach Capital, designed to provide immediate cash flow relief to businesses while they await their Employee Retention Tax Credit (ERTC) refunds from the IRS. It allows businesses to access much-needed capital during this waiting period, empowering them to maintain operations and invest in growth opportunities.