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Get Your ERC Tax Credit Today

We help businesses apply for and get their 2020-2021 ERTC tax credits.

  •   Get Up to $26,000 Per Employee

  • Funded by the 2020 CARES ACT

  • Available even if you received a PPP loan

  • Get a FREE evaluation by our Expert Accounting Team to Pre-Qualify Your Business for Rebate

  •    Don’t Wait to Apply -  This Window of Opportunity Will Close

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Answers to your ERC questions

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The IRS Employee Retention Credit and PPP

When the CARES Act was introduced in 2020 with both the PPP and ERTC programs, businesses had to choose between either the Paycheck Protection Program (PPP) OR ERTC. The majority chose the PPP option.

The ERC became more widely used starting in March 2021 when the American Rescue Act changed the IRS regulations making millions of businesses eligible for both the PPP and ERC program by amending their Quarterly Form(s) 941. In addition, the Employee Retention Credit was extended to include the first 3 quarters of 2021 in addition to the original credit for 2020.

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We have helped many happy clients apply for - and get - their ERC funds.

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A tax credit based upon payroll expenses you have already paid.

  • The 2020 ERC Program is a refundable tax credit of 50% on up to $10,000 in wages paid per employee from 3/12/20-12/31/20 by an eligible employer. That is up to $5,000 per employee.

  • The 2021 ERC was increased to 70% of up to $10,000 in wages paid per employee per quarter for Q1, Q2, and Q3. That is a potential of up to $21,000 per employee!

Our ERTC Team has Helped Get Employee Retention Tax Credits For

  • A national Nutrition Products Distributor with 208 employees - $1,152,330.98 for 2021 Q1

  • A Beauty Salon in California with 36 employees -  $107,792.22 for 2020

  • A Graphic Design Agency in Tennessee with 11 employees - $50,954.46 for 2021 Q3

  • A Toilet Manufacturer in Arizona with 63 employees - $252,104.88 for 2020

  • A General contractor in Pennsylvania with 59 employees - $364,283.71 for 2021 Q1

  • A Steakhouse in North Carolina with 56 employees - $213,029.88 for 2020

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    Once you've applied with us ...

    Employee Retention Credit FAQs

    What is the Employee Retention Credit (ERC)? Is it the same as the Payroll Protection Program (PPP)?

    The 2020 CARES act included two programs help businesses to be able to keep their workers employed and paid: the Payroll Protection Program (PPP) which was administered by the Small Business Administration and the Employee Retention Tax Credit (ERTC) - also commonly called the Employee Retention Credit (ERC) - which is administered by the Internal Revenue Service.

    PPP funds were distributed based on 2.5 months of payroll and there were strict rules for how they could be used. A minimum of 80% of the funds received had to be used for payroll to be eligible for forgiveness.

    In contrast, the ERC funds are tax credits. They are credits (or refunds) for a percentage of payroll already paid in each quarter that you qualify. There are specific rules for determining eligibility by quarter, and limiting the dollars that can be claimed for each employee

    Can I apply for the ERTC even if I received a PPP loan?

    Yes, you can now claim ERTC even if you received a PPP loan that has been forgiven - although this may reduce the amount to which you are entitled.

    When the CARES Act was first implemented, employers had to choose to apply for PPP or claim ERTC credits. It was either one or the other - not both.

    Most small businesses opted for PPP loans and never gave the Employee Retention Credits another thought.

    The American Rescue Plan Act of 2021 included modifications and revisions of the CARES Act. These included making businesses who had received PPP funds eligible to also claim ERTC credits. The qualification requirements were loosened and the period covered was extended to include the first 3 quarters of 2021. In addition, the refundable credit amount was increased for 2021 to 70% of qualifying wages from the 50% it was for 2020. These 2020 and 2021 credits could also now be applied for retroactively. 

    What if my 2021 revenue was back to its pre-pandemic level? Do I qualify for ERTC?

    Before you simply assume that you won't qualify because revenue seems to be back to normal, you should consider these points:

    1. 2020 and 2021 are considered separately. Even if revenue is back to 100% for 2021 you could be eligible for a 2020 credit if your business was partially or fully closed because of government mandates or if your 2020 revenue was down when compared to 2019.

    2. For 2021, Q1, Q2 and Q3 are each considered separately. You may still qualify for credits for Q1 or Q2 even if Q3 was back to normal. You could qualify for up to $7,000 per employee for each eligible quarter.

    3. There is a provision in the act which may make it possible for you to claim a credit for Q1 2021 based on 2020 Q4 revenue if it was down by 20% compared to 2019's Q4.

    I have to repay my deferred 2020 payroll taxes. Will I have to repay my Employee Retention Credit?

    The CARES act did allow businesses to defer the payment of the employer's portion of Social Security taxes in 2020 but mandated that these funds still needed to be paid - half in 2021 and the rest in 2022.

    Funds received through the ERC program are not a deferral. They are tax credits based upon the payroll expenses you already paid. The money you receive is yours to keep and does not have to be repaid...ever.

    Not only that, these funds do not carry the same restrictions that PPP loans did. Unlike PPP loans, ERC funds do not have to be used to cover payroll expenses.

    They can be used in any way you see fit....as long as it's legal, of course... 😏

    If this is legit, why hasn't my bank, financial advisor, CPA, or payroll service provider told me about it?

    Your bank loved PPP loans because it was, essentially, getting you an SBA loan and they were paid an administration fee from the SBA for their services. They have nothing to do with filing taxes and they have no incentive to help you with this because there are no fees for them in this program.

    Because almost everyone chose to apply for PPP loans in 2020, many CPAs and financial advisors completely forgot about the ERTC program and most the ones who do remember what it is, don't realize you can now apply for the ERTC credit even if you received a PPP loan. 

    The ERC program is not even on the radar of the typical payroll service provider as applying for an ERC credit is beyond the their scope of practice. Even though they make sure your payroll taxes get paid, they do not routinely have access to the information they would need to take care of this for you. Nor do they have the expertise or experience needed for this.

    How do I apply for an Employer Retention Tax Credit?

    You don't really apply for ERC tax credits. You claim the tax credits with the IRS just like you do any other tax credit. Since this is now being done retroactively, it requires you to file an amended Form 941-X which allows you to apply this credit against your current quarter's payroll tax contributions. Any extra can be rolled over and applied to future quarters or you can request a check for the excess credit. If it is early in the quarter and you do not want to wait until it is complete, an IRS Form 7200 can be filed to request your credit as a cash advance.

    Can I have my CPA take care of this for me?

    CPAs and Enrolled Agents are experts in filing taxes. They will confirm that staying up to date on the latest changes in the tax code is a full time job. The ERTC program is a complex section of the code with which few CPAs/EAs have had experience. Not many can afford to take the necessary time to also become experts on all the regulations and the IRS interpretations of the CARES Act, American Rescue Plan Act, Families First Act, Consolidated Appropriations Act, PPP Payroll Flexibility Act and the Payroll and Healthcare Enhancement Act to name a few.

    If your CPA is able to accurately break down the last 2 years and determine your eligibility for each quarter, compute the maximum credits to which you are entitled, file your amended forms and prepare the necessary support documentation needed should you ever be audited, then letting them handle this for you should be fine.

    However, most CPAs recognize that you will get a better and more cost effective result if you go with someone who is already an expert in this area.

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