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Bolt Funding
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Same-day funding available ★★★★★ 4.9/5 · 847 Google reviews

ERC Advance Funding
$25K – $5M

Don't wait 12 months for the IRS. Get up to 90% of your ERC credit in 5 days.

  • ✓ Amounts: $25K – $5M
  • ✓ Term: Until IRS pays out
  • ✓ Speed: 5 – 10 business days
  • ✓ Min credit: Any · Min time in biz: Must have filed ERC
$2.4B+
funded to date
38,000+
businesses funded
92%
approval rate
Talk to a funding expert Or apply below ↓

Apply for ERC Advance Funding

No upfront fees. Soft credit pull only.

⚡ Funded in 24 hrs 🔒 Soft credit pull ✓ 92% approved
Step 1 of 5 · 20% complete

Last step — where should we send your offer?

A funding specialist will review your information and call you within minutes.

By clicking "Get My Offer" you agree to be contacted by Bolt Funding by phone, SMS or email regarding your inquiry. Consent is not required for purchase. Msg & data rates may apply.

Or call us directly: (516) 363-2658

⚡
24-Hour Funding
Same-day for MCA
⚡
A+ BBB Rating
Accredited business
⚡
No Upfront Fees
Apply free
⚡
Soft Credit Pull
Won't hurt your score

What is erc advance funding?

The IRS is taking 9–18 months to pay ERC claims. We will advance you up to 90% of your filed ERC credit in about a week — non-recourse, so if the IRS denies the claim, you keep the money and we eat the loss.

If you have already filed your Employee Retention Credit (Form 941-X) and you are tired of waiting on the IRS, our ERC advance program gets you up to 90% of your credit in cash within 5–10 business days. Because Bolt Funding is affiliated with ERC Capital Now (one of the largest ERC buyers in the country), we underwrite our own deals and close faster than anyone in the market. Most of our advances are non-recourse: if the IRS denies the claim, you do not owe the advance back.

Why business owners choose ERC

  • ✓ Up to 90% advance on your ERC credit
  • ✓ Non-recourse — if IRS doesn't pay, you don't owe
  • ✓ Closes in 5 business days
  • ✓ No personal credit minimums
  • ✓ Affiliate of ERC Capital Now

Things to consider

  • ! Must already have filed your ERC claim (941-X)
  • ! Credit must be verified by our underwriting team

Who it's best for

Businesses awaiting IRS refundsOperators needing capital now

From application to funded in 24 hours

No bank-style runaround. Just real money, fast.

1

Apply in 60 seconds

Tell us how much you need, how long you have been in business, and your monthly revenue. No documents, no credit pull.

2

Get matched & approved

Our team shops your file across 75+ lenders and brings you the best offer within hours — often in minutes.

3

Sign & get funded

Pick the offer you like. Sign digitally. Most deals are funded in 4 – 24 hours, same day for MCAs submitted before 11am ET.

ERC Advance Funding FAQ

Do I need a credit check?

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No personal credit minimum. We are underwriting the IRS receivable, not you.

What if the IRS denies my claim?

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On non-recourse advances, if the IRS denies the claim through no fraud of yours, you keep the money and we absorb the loss. That is why we underwrite the claim itself carefully up front.

How much of my credit can I get?

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85–90% of the filed credit, depending on claim size, filing date, and supporting documentation.

Other Bolt Funding products

Merchant Cash Advance

$5K – $2M · Same day – 24 hours

Same-day funding against future sales. No collateral. All credit considered.

SBA Loans

$50K – $5M · 30 – 60 days

SBA 7(a) and 504 loans up to $5M. Terms up to 25 years. The lowest cost of capital in the market.

Business Line of Credit

$10K – $500K · 24 – 72 hours

Revolving credit up to $500K. Draw what you need, pay interest only on what you use.

Business Term Loans

$25K – $2M · 2 – 7 days

Lump-sum financing from $25K to $2M with fixed payments over 1 to 10 years.

Equipment Financing

$10K – $5M · 24 – 72 hours

Up to 100% financing on trucks, machinery, tech, restaurant equipment and more.

Commercial Real Estate Loans

$100K – $25M · 21 – 60 days

Owner-occupied and investor CRE loans up to $25M. SBA 504, conventional, and hard money.

Get funded with ERC today.

Apply free. Funded in 5 – 10 business days.

Apply Now ⚡ 📞 (516) 363-2658