The Employee Retention Credit was a refundable payroll tax credit created to support eligible employers that kept staff on payroll during the COVID-19 period. The IRS says the credit applied to qualified wages paid after March 12, 2020 and before January 1, 2022, with eligibility varying by period and business circumstances.
Today, the conversation around ERC is different from what it was a few years ago. The IRS says the general deadline to claim the credit was April 15, 2024 for 2020 tax periods and April 15, 2025 for 2021 tax periods. That means most businesses are no longer filing brand-new ERC claims and are instead focused on reviewing prior eligibility, checking documentation, understanding claim status, or dealing with IRS follow-up. For businesses in Atlanta, Georgia, that makes people-first ERC guidance especially important. 15x Financial Solutions features Employee Retention Credit among its services and positions itself as an Atlanta-based resource for business owners seeking funding and financial guidance.
When business owners search for Employee Retention Credit help, they are usually not looking for recycled pandemic-era sales language. They want to understand whether their prior ERC position was solid, what records matter, and what steps make sense now. That is where a practical, organized review process becomes more useful than generic promises.
For Atlanta-area businesses, 15x Financial Solutions can help frame the ERC discussion around real business questions, such as whether the company may have met one of the historical eligibility tests, whether prior payroll periods were analyzed correctly, whether PPP overlap was handled carefully, and whether the business has the supporting records needed for a clean conversation with its payroll provider, CPA, or tax advisor.
A term loan is a type of loan that provides borrowers with a fixed amount of money that is repaid over a predetermined period, known as the loan term. These loans can be obtained from various financial institutions, such as banks, credit unions, or online lenders.
Equipment financing is a specialized type of business financing that allows companies to acquire the necessary equipment and machinery without the burden of making a full upfront payment. Instead, the equipment is purchased by a lender, who then leases it to the business for a fixed period
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A working capital loan serves as a brief business financing option crafted to ensure that a company possesses sufficient funds to cover its routine operational costs. These loans generally offer swift disbursement and feature concise repayment timelines. It’s worth noting that their purpose primarily centers on addressing immediate financial needs and isn’t tailored for substantial, extended-term acquisitions.
An SBA loan stands as a financial solution tailored for small businesses, offering support for initial expenses, operational funds, growth endeavors, real estate acquisitions, and various other purposes. This form of financial assistance is provided by a private lender, while receiving federal government backing to enhance its security and viability.
Accounts receivable financing is a financial alternative that utilizes your business’s outstanding invoices as collateral, unlocking a lump sum of cash. Under this arrangement, invoice financing is structured to offer you an upfront payment of a certain percentage of the invoice’s total value. Subsequently, the responsibility of collecting payments from your customers is assumed by the factoring company.
Asset Based Lending pertains to a business financing approach that hinges on utilizing a company’s assets as security. This framework empowers a company to promptly tap into the working capital inherent in their assets, encompassing factors like Accounts Receivable, Equipment, and Inventory.
The Employee Retention Credit (ERC) stands as a governmental initiative crafted to assist businesses that successfully maintained their workforce amid the challenges of the Covid-19 pandemic. Instituted through the CARES Act, this credit takes the form of a refundable tax benefit available for your business to claim.
The Employee Retention Credit is no longer just a filing opportunity. For most businesses, it is now a review issue, a documentation issue, or a claim-accuracy issue. The businesses that benefit most from good ERC support today are usually the ones that want a clearer understanding of what happened, what records matter, and what next steps make sense in light of current IRS guidance.
15x Financial Solutions offers Atlanta businesses a practical starting point for that process. Whether your goal is to review a past ERC position, organize payroll and PPP records, understand an existing claim, or prepare for a more informed conversation with a reputable tax professional, a more structured approach can help you reduce confusion and make better decisions.
15X Financial Solutions is a financial wellness agency that helps business owners from various industries access business funding resources.
2255 Cumberland Pkwy Bldg 1600, STE 115-A, Atlanta, Georgia 30339
District 360
19 Cargill Avenue, Kingston 10
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