Sell Your ERC Tax Credits & Unlock Faster Cash Flow

What Is an ERC Buyout?

  • The Employee Retention Credit (ERC) is a refundable tax credit from the IRS designed to help businesses retain employees during COVID-era disruptions. An ERC buyout allows you to sell your future tax credit now in exchange for immediate cash, bypassing lengthy IRS processing times.
A pen is on a piece of paper that says employee retention tax credit

Why Choose Stellar for Your ERC Buyout?

  • Get cash in hand fast
    You can receive up to     85% of your ERC claim upfront, with pre-approval decisions in as little as 72 hours.
  • No debt, no monthly payments
    Unlike traditional loans, ERC buyouts are structured as asset purchases—so there's     no debt liability added to your balance sheet.
  • Keep the rest of your refund
    Once the IRS processes your ERC refund, any remaining balance—called the holdback—is sent directly to you.

How It Works – Simple, Transparent, Efficient

  1. Confirm your ERC eligibility
    Ensure your business qualifies through evidence of shutdowns or revenue drops and payroll records.
  2. Submit documentation
    Provide Forms 941, amended filings, payroll summaries, financials, and other IRS-required documentation .
  3. Get pre-approved in 72 hours
    Our team moves quickly—no upfront commitment, and fast turnaround beginning within the same week.
  4. Choose your payout amount
    We’ll offer to buy all or a portion of your ERC. You receive the agreed funds immediately—no hidden fees.
  5. Receive holdback post-IRS processing
    After the credit is fully processed, you receive any undistributed portion directly, keeping the full value.

Who's a Good Fit?

  • Minimum $100,000 ERC claim
  • Businesses seeking immediate working capital without adding debt
  • Owners wanting to avoid the average 6–12 month IRS refund wait 
  • Firms that need stability to manage payroll, invest in growth, or navigate cash shortages.

Feature:

  • Structure
  • Monthly payments
  • Funding based on
  • Speed to funding
  • IRS holdback handling

ERC Buyout:

  • Asset sale (no debt)
  • None
  • ERC eligibility + documentation
  • Pre-approval in ~72 hours
  • You receive holdback directly

Traditional Loan/Advance

  • Loan (increases liabilities)
  • Required
  • Credit profile + business revenue
  • Slower, variable
  • N/A

FAQ

Q: Will selling my ERC affect my credit?

A: No - it’s not classified as a loan and does not directly impact your credit score.


Q: Can I sell ERC filed through a PEO (like ADP or Paychex)?

A: Absolutely. Even if a PEO files your ERC, the credit belongs to your business. A majority of PEO-filed credits are sellable.


Q: What’s the timeline for funding?

A: Typical timeline is 7–10 business days from accepted offer to funds disbursed.



Q: Are there any fees or interest?

A: No monthly interest or hidden fees - you simply sell a portion of your ERC in exchange for cash.

Get Started Today

  1. Reach out to us for a free consultation.
  2. Gather your ERC documentation.
  3. Receive a custom offer and quick funding options.



Unlock the full potential of your ERC. Empower growth, invest in your people, and manage operations confidently, without waiting on IRS timelines.

💬 Ready to explore? Fill out the ERTC Application.


Why Stellar?

  • Expertise you can trust
    Our team specializes in tax-credit purchase programs and provides transparent guidance supported by IRS-aligned practices.
  • Streamlined, no-pressure process
    Modern documentation systems and support allow for a fast and worry-free experience.
  • National reach, local service
    Serving businesses nationwide with tailored funding solutions and personalized service.