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Start Your ERC Financing Application

We can advance your total ERTC Credit upfront.

Get the funds from your Employee Retention Tax Credit (ERTC) up front instead of waiting for the IRS.

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Fast Online Process

Complete an application for an ERTC advance online. Upload your required documents and fill in a short questionnaire about your business to determine your eligibility. It’s fast and secure. You can complete the whole process online in just a few minutes.

Are you still Waiting to Receive your Employee Retention Credit (ERC) Refund Check?

We can advance you up to 90% of your anticipated ERC Claim
in just 1 week.

Get the funds from your Employee Retention Tax Credit (ERTC) up front instead of waiting for the IRS. Finance your approved ERTC Funds in just 1 week!

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How do I qualify?

If you have already filed an ERTC claim valued at over $100,000.

How does it work?

  • Provide an application with ERC Documentation
  • We validate your claim
  • We fund your refund. In as fast as one week, you can receive up to 90%* of your refund amount

Helping Small Businesses Grow Every Day

Amounts Starting at $25k

Applies to some products only

Better Business 
Bureau

Small Businesses 
Funded

Why Work With

PRICING

At purchase fee, we are the cheapest we have seen in the industry at providing an advance. Our cost to purchase the advance is a fixed purchase fee. Keep more of the ERTC for yourself.

EASY

From application through funding, we do all the heavy lifting, so you can focus on doing what you do best, growing your business.

FAST

Swift SBF can buy your erc refund so you can get paid today, and we will wait for the ERC check to arrive which can take over 12 months.

ECONOMICAL

Unlike a loan or sales-based financing product, there are no daily, weekly, or monthly payments against the money we provide you today.

How Swift SBF ERTC Advance Works

No monthly interest payments.

Access up to 90% of ERTC amount up front.

Securely spend your ERTC credit money now rather than waiting with no set time line.

We fund you the full ERTC credit amount less our purchase fee and a safety buffer at the closing (the buffer gets refunded to you after the IRS sends us a check).

Let us advance your ERTC credit today.

Let us connect you to the right funding options. We’ll help you get your ERTC funds faster, so you can spend less time worrying about cash and more time taking on the world.

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Frequently Asked Questions

Everything you need to know about the Swift SBF.

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Apply today and get up to $3,000,000 Tomorrow.

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SWIFT SBF HOLDINGS, LLC is a financing partner and affiliate with various banks. We are a preferred network lender.

Same-Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday – Friday before 10:30 a.m. ET. If checkout is done before 10:30 a.m. ET, funds will be available by 5 p.m. local time the same day. If checkout is done after 10:30 a.m. ET, or on a weekend or bank holiday, it will not qualify for Same-Day Funding and funds will be deposited within 2 – 3 business days.

Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draws between $1,000 – $10,000, and you can only make one draw request per day. Not all banks or debit card providers participate, and you must register a business debit card matching the information associated with your Swift SBF account. Transfers are typically completed within 30 minutes, but may be subject to additional restrictions or delays.

There are some industries we cannot serve (see list of restricted industries). In addition, Swift SBF does not lend to businesses in North Dakota. Other underwriting requirements may apply.

When you prepay your term loan in full, we will apply a discount on remaining unpaid interest based on the Prepayment Interest Reduction Percentage stated in your loan agreement.

Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with Swift SBF. The average rate for term loans is 56.1% APR and the average rate for lines of credit is 55.9% APR. Averages are based on loans originated in the half-year ending March 31, 2024.

Depending on your state and other circumstances of your application, you may be required to make a minimum draw of $1,000 at origination.

Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the Swift SBF family of companies or by Celtic Bank. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval.

Swift SBF® is a Registered Trademark. All rights reserved.

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Swift SBF® is a Registered Trademark. All rights reserved.