Finance ERC is a financial services provider that specializes in Employee Retention Credit (ERC) financing. Founded in 2022 by David Goldin and Jeffrey Rubin, the company helps businesses manage cash flow challenges by offering upfront payments against pending ERC refunds. This service is particularly beneficial for small businesses affected by COVID-19-related economic disruptions, especially those facing delays in receiving their ERC refunds from the IRS. The company operates a partner-driven model, collaborating with merchant acquirers, ISOs, ERC filing companies, and business loan brokers to facilitate access to capital for clients. Finance ERC purchases ERC refunds at a discount, providing immediate cash without upfront costs or repayment obligations until the IRS processes the refund. This approach not only offers liquidity to businesses but also mitigates the risk associated with IRS processing delays.