ERC Buyout

Get up to 95% of your ERC

No Broker Fees

ERC Funds in days not years

Fast funding: In as few as 3 days

Split of accrued interest

Why Choose an ERC Purchase Over Waiting for the IRS?

For many business owners, the excitement of qualifying for a significant tax credit has been replaced by the frustration of federal delays. Currently, waiting for an ERC Refund from the IRS can take anywhere from 12 to 18 months—and in some complex cases, even longer.

When you opt for an ERC Buyout , you are making a strategic decision to bypass the IRS backlog entirely. Instead of letting your funds sit idle in a “pending” status, an ERC Purchase allows you to unlock the value of your credit in a matter of days.

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Speed

Bypass the Backlog

Move to the front of the line by converting your pending ERC Refund into immediate liquidity.

Clarity

Reinvest Immediately

Use the proceeds from your ERC Purchase to fund payroll, purchase inventory, or launch new marketing campaigns today—not two years from now.

Guarantee

Eliminate Uncertainty

The IRS timeline is unpredictable; an ERC Buyout provides a guaranteed funding date, giving your CFO and leadership team the certainty they need for accurate financial forecasting.

Our Impact

We fund businesses that are ready to grow. With over $900M funded across 1,000+ companies , Icarus Fund delivers fast, flexible capital to help you seize opportunities and keep moving forward.

$4.2B+

Committed Capital

$900M+

Funded

81

Industries Served

1,000+

Businesses Funded

Access your employee retention tax credit funds upfront, instead of waiting for the IRS to process your claim.

The valuation of your ERC claim must be $100,000 or higher. There is no cap on the amount that can be financed. Rates and terms may vary.

Avoid IRS Processing Delays with Our ERC Purchase Program

Utilize your ERC refund now with the industry’s best buyout options.

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Easy Application Process

It takes just four minutes and some basic information to get started, and we’ll guide you through every step of your application from there.

Fast Turnaround on Funds

Get a pre-approval decision in as little as 72 hours and have your funds deposited the same day you accept your ERC buyout offer.

Industry-Leading Support

We’ll help you determine if your fit for an ERC buyout with complete transparency and work with you to get access to your funds.​

Book a discovery call

What is an ERC Buyout?

An ERC Buyout provides a faster way to access your funds compared to waiting for the IRS. You can sell part or all of your Employee Retention Credit claim for immediate cash. Unlike a Bridge Loan, which requires monthly interest payments with no clear timeline for your funds, selling your ERC to us means no monthly interest and no upfront fees.

Minimum Total ERC Claim of $100,000

Upfront access to as much as 95% of your ERC amount.

24 Hours Approval Time

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Testimonials

Hear from clients we've helped

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Trustpilot (1000+ verified reviews)

“Icarus Fund really helped my business turn a pending ERC refund into usable cash in under two weeks, and the process was clear and fast.”

Michael Reynolds

Marketing Agency - CEO

“We decided to move forward with an ERC buyout through Icarus Fund and received funds quickly without confusion or unexpected steps.”

Sarah Whitman

E-commerce Brand - Founder

“Our ERC refund was delayed for months, so working with Icarus Fund gave us access to cash when it actually mattered for operations.”

Daniel Porter

Manufacturing Company - CEO

“Icarus Fund walked us through the ERC buyout process carefully and delivered funding far sooner than the IRS timeline we were facing.”

Laura Bennett

Staffing Firm - CFO

“The ERC buyout allowed us to stabilize cash flow, and Icarus Fund handled everything professionally from review to funding.”

Anthony Morales

Construction Company - Founder

“We appreciated how transparent Icarus Fund was during the ERC buyout, and the funds arrived well ahead of any IRS expectation.”

Rachel Kim

Technology Services Firm - CEO

“After months of waiting, selling our ERC claim through Icarus Fund helped us unlock capital without disrupting our business.”

Brian Collins

Logistics Company - Owner

“Icarus Fund made the ERC buyout process straightforward, and the early payout helped us plan growth instead of waiting.”

Emily Foster

Healthcare Consulting Firm - CFO

“After months of uncertainty with our ERC refund, working with Icarus Fund gave us predictable funding and much-needed clarity for planning.”

Melissa Harding

Multi-Location Retail Company - CFO

“Icarus Fund helped us access capital tied up in our ERC claim without dragging out the process, and communication stayed clear from start to finish.”

Jonathan Pierce

Professional Services Firm - CEO

The Leading Provider of Employee Retention Credit Purchase

Why Clients Trust Us

Dedicated to Your Business's Success

As trusted experts, we provide you with the latest information, insights, and recommendations, backed by our extensive experience.

Proven Success with Employers

In addition to our highly sought-after ERC buyout, we have successfully facilitated billions of dollars in financing for numerous companies.

Leaders in Small Business Solutions

Icarus Fund’s financing options and employer services have become powerful tools for business owners and entrepreneurs.

FAQ's

FREQUENTLY ASKED QUESTIONS

Is there any upfront fees?

No there is no upfront fees

What's the difference between an ERC buyout and an ERC loan?

Loans are typically based on two primary factors:

Your detailed ERC qualification under IRS guidelines.

Your monthly business revenue.

Unlike loans, which require monthly payments, buyouts are an asset purchase and do not add debt to your balance sheet. While revenue still matters, buyouts are less dependent on it than loans.

What documents are required to get an offer?

To receive an ERC Buyout offer, you’ll need the following:

2019-2021: Form 941s

2020-2021: Form 941X (with proof of filing and tracking numbers)

2019-2022: Business Tax Returns (including P&L and Balance Sheet for 2022)

2019-2022: Quarterly Financials (P&L and Balance Sheet)

Last 3 Months: Business Bank Statements (main operating account)

Signed Application: Provided by us

Signed Program Agreement: Provided by us

Debt Schedule: Only if there’s existing debt (template provided if needed)

ERC Calculations & Summary: Must include proof of eligibility, with a quarterly breakdown of ERC calculations, per employee breakdowns, and any available CPA Opinion Letters or Eligibility Reports.

What are the LTVs offered for buyouts and loans?

Buyouts: 80-95% LTV, depending on qualification.

In this context, LTV (loan-to-value) is also known as a holdback. The portion not funded upfront will be received later from the IRS.

Example: A 80% LTV on a $100K claim means you would receive $80K immediately.

How long does it take to get funded?

Buyouts: Approximately 10 business days

The timeline depends on the completeness of your file and how quickly you can provide any additional documents requested by the underwriting team.

Will an ERC Buyout add debt to my balance sheet?

No, an ERC Buyout is an asset purchase, not a loan. This means it won’t add any additional debt to your balance sheet, making it a more flexible option for businesses looking to access capital without increasing their liabilities.

What happens if the IRS issues my ERC refund after the buyout?

After the buyout, any remaining portion of your ERC refund, referred to as the holdback, will be paid directly to you by the IRS once they process your refund. This ensures you still receive the full value of your ERC claim.

How do I know if an ERC Buyout is right for my business?

An ERC Buyout may be ideal if you need quick access to capital without the burden of monthly payments or additional debt. It’s especially useful for businesses that have qualified for the ERC but are waiting on their refund from the IRS.

Do I have to accept the full amount offered by Icarus Fund to purchase? Or can I request a specific amount?

You can specify the amount you would like purchased.

Press

LATEST 🪩 ERC INSIGHTS

Stay informed with expert commentary, case studies, and actionable guidance on the evolving Employee Retention Credit landscape. Whether you’re navigating audits, disallowances, or buyout opportunities, our updates give you the clarity and strategy you need to make confident financial moves.

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