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Erica Seppala

Editor & Senior Staff Writer

Expertise: Accounting, QuickBooks, Payroll, Business Funding, POS

Education: AA Liberal Studies, Limestone University

Erica began writing on small business topics in 2008. She joined Merchant Maverick in 2018 and focuses on loans, accounting, and POS. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll. She has been cited in MSN, Reader’s Digest, Vox, U.S. News & World Report, and Real Simple. She is a graduate of Limestone University and resides in Greenville, South Carolina.

Merchant Maverick Archives for Erica Seppala

apply for erc loan

How To Apply For An ERC Loan

Instead of waiting up to a year or longer to receive an Employee Retention Credit refund check from the IRS, business owners are seeking ERC loans. With an ERC loan, a lender provides a percentage of an ERC refund (typically up to 65% of the refund amount) upfront so businesses have quick access to capital.

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Sep 7, 2023 Filed under: Employee Retention Credit
what is an erc loan

What Is An ERC Loan?

The Employee Retention Credit is a refundable tax credit. It is not a loan and does not need to be repaid. However, ERC loans and advances taken from an ERC lender will need to be repaid according to the terms in your contract.

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Sep 6, 2023 Filed under: Employee Retention Credit
Lendio logo

Lendio ERC Review

Lendio’s ERC program has a lot going for it. Similar to its application process for small business funding, Lendio’s ERC application is quick and easy to fill out. Lendio’s experienced ERC partners can also help you along the way to simplify and expedite the ERC process.

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Sep 25, 2023 Filed under: Employee Retention Credit (ERC) Tax Specialists
erc funding llc

ERC Funding Review

ERC Funding has a few good things going for it. It has a fast and easy claims process and typically submits claims to the IRS within one to three weeks. Its ERC advance buyout program also provides fast funding to businesses that can’t afford to wait months for their refund checks to arrive. It also doesn’t require upfront fees for its services, and it will assist with ERC reviews or IRS audits.

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Sep 7, 2023 Filed under: Employee Retention Credit (ERC) Tax Specialists

Accelerate Tax Review

Small- to medium-sized businesses that are looking for a company that specializes in ERC refunds won’t be disappointed in what Accelerate Tax has to offer. The fast application process, white-glove customer support, quality control processes, including CPA reviews, and the potential to get funds quickly through Accelerate Tax’s ERC advances, are all standout features.

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Sep 25, 2023 Filed under: Employee Retention Credit (ERC) Tax Specialists
declined business loan

What To Do If Your Business Loan Is Denied

Your business loan may be denied for reasons including low credit score, not enough revenue, lack of collateral, or an incomplete loan application. Your lender should provide written notice as to why your loan was denied. However, you can also reach out to the lender directly to learn more about why you weren’t approved.

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Jun 28, 2023 Filed under: Business Loans, Small Business