ERTC Sale: Turn Your Refund Into Ready Cash Today
Because smart businesses don’t wait — they leverage.
Whatever it is, the way you tell your story online can make all the difference. If you’re sitting on an Employee Retention Tax Credit (ERTC) refund, don’t let it just sit there. Sell your ERTC refund today and turn waiting into winning. Swift SBF is your trusted partner for ERTC sale, providing fast, secure, and transparent ERTC loan solutions tailored for businesses like yours.
Why Choose an ERTC Sale Over Waiting?
Don’t wait months — get your funds now.
If you’ve filed for your ERC and are waiting on the IRS to release your funds, you might be waiting a while. But your business needs working capital today — for operations, growth, hiring, or to stay ahead of competition.
By choosing ERTC sale through a trusted ERTC loan provider like Swift SBF means you can:
Get up to 70-90% of your ERC claim amount in days
Avoid long IRS processing delays (which can take 6-12 months)
Stay cash-flow positive while retaining all your ownership
We make it seamless, fast, and stress-free ERTC financing
How Does ERTC Sale Work?
From ERC to cash, without the wait.
We’ve simplified our ERTC advance process to make it easy for you:
Apply Online – Fill out a short form with your ERC claim details
Fast Review – We verify your claim eligibility and amount
Get Funded – Receive your ERTC loan in as little as 48 hours
IRS Pays Later – When the IRS sends your refund, you repay the advance
You're not borrowing against your business — you're just accelerating money that’s already yours.
Why Choose Swift SBF for ERTC Sale or Loan Provider
Speed. Security. Simplicity.
As a leading ERTC loan provider, we’ve helped hundreds of U.S. businesses access their ERC funds early. Here’s what sets us apart:
No hidden fees
Transparent terms
Competitive advance rates
Hands-on support from real people
Quick approvals — even with delayed IRS timelines
Your success is our mission — and that starts with liquidity when you need it most.
Isn’t Just a Loan — It’s Leverage
Your ERTC refund can be a game-changer. Let it work for you now.
Selling your ERC refund isn’t about debt — it’s about empowerment. The refund you’re waiting on can fund your next big hire, a product launch, inventory restock, or help you stay lean through uncertain times. With Swift SBF, you don’t have to wait for your business to thrive and easily access ERTC Loan Financing.
Understanding Business Term Loans
$10,000-2,000,000
Loan Amount
Time to Fund
As Soon As 24 Hours
2-10 Years
Loan Terms
Inters Rate
As Low As 6%
FAQs
Can I sell my ERC refund?
Yes! You can sell your expected ERC refund to a qualified ERTC lender like Swift SBF and receive an ERTC loan based on your approved claim.
Does ERTC have to be paid back?
No. The ERTC (Employee Retention Tax Credit) financing is a refundable tax credit, not a loan. However, if you receive an advance loan based on your ERC refund, you will repay the lender once the IRS issues your refund.
What is ERC in lending?
In lending, ERC refers to the Employee Retention Credit refund, which can be sold or used as collateral for a loan advance by businesses awaiting IRS payment.
How is the ERC credit calculated?
ERC is calculated based on qualified wages paid to employees during specific periods in 2020 and 2021. The credit amount depends on your number of employees and the wages paid, with a maximum of up to $26,000 per employee.
What is ERC in loan?
An ERC loan (or ERTC loan) is a financing solution where businesses receive an advance on their approved ERC refund from a provider like Swift SBF. It’s not a traditional loan — it's a bridge until the IRS funds are received.