Employee Retention Credit


  • Competitive industry rates
  • Terms Up To 60 Months
  • Funding in as Little as 24 Hours


  • Must be operational by February 15, 2020,
  • Must have an Employer Identification Number (EIN) by December 31, 2020.
  • Gross receipts must have decreased by at least 20% over the same quarter in 2020.

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Any Equipment You Need - In or Out of the Office

Whether you need a tractor for your farm or a bunch of laptops for your office, equipment financing may be right for you. Find out more in our Ultimate Guide to Equipment Financing in 2021

What is the Employee Retention Tax Credit (ERTC)?

Did your small business maintain payroll coverage during the pandemic? Congratulations! You may qualify for a tax credit from the Internal Revenue Service.

Employee Retention Credits, or ERTCs, were introduced as part of CARES Act relief in the early days of the COVID-19 pandemic. This program was intended to encourage smaller businesses to retain their employees but was widely overshadowed by the Payment Protection Program.

It is still possible to apply for ERTC retroactively both for 2020 and 2021. Additionally, small businesses who have received PPP loans are eligible to take the ERTC.

ERTC is a credit, i.e., free money off your tax bill. Remember that unlike a deductible, which decreases a business’s taxable income, a credit reduces the amount of total tax owed to the IRS.

By the end of tax season 2022, millions of dollars will be available in the form of ERTC—make sure you are getting the cash you deserve if you’re eligible.


Financial Health

Improve your business credit with on-time payments. Upgrade your equipment without disrupting cash flow.


Easy Qualification

Qualify for up to $150,000 with a 675 FICO & 3 years in business

Only 1 Year  in business is needed if you have Excellent Credit (775+)


Additional Perks

Simple application and qualification process with quick access to funds.

Equipment financed or leased may qualify for the Section 179 Tax Deduction.


How To Apply?

It only takes a few minutes to apply for a line of credit with IMS Fund. Please fill out our online application, upload your three most recent bank statements, and you're good to go! Upon receipt of your application and bank statements, our Financing Specialist will contact you and let you know what credit line size you qualify for.