Don’t wait a year for your employee retention credit (ERC) Refund.

Enjoy your

Get an Advance on Your ERC Refund for Immediate Cash Flow

What is the ERC?

During the pandemic, Congress passed the CARES Act, creating the Employee Retention Credit (ERC), a powerful tax credit for small and mid-sized businesses. Employers can claim this refundable credit on overpayment of payroll taxes paid during the COVID pandemic. Business owners may be eligible for a cash refund from the IRS of up to $26,000 per full-time employee.

How Peach Capital Helps?

The government is severely backlogged with ERC refund claims, leaving businesses strapped for immediate cash flow. Peach Capital offers bridge loans based on your anticipated ERC refund value, helping small and mid-size businesses like yours to keep running strong while you await YOUR cash.

The best part?

You don’t need to have filed your ERC with Peach Capital.

Peach Capital’s Loan Advantages


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


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

Equitable &

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

Bride Loan details

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. 



What are the loan terms?

We Make Funding Dreams Happen.

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

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

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


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

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

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.