Employee Retention

The Employee Retention Credit is available to churches who retained employees throughout the COVID-19 pandemic, even if you received a PPP loan. We have seen churches who were eligible for anywhere from tens of thousands of dollars to hundreds of thousands of dollars. You do not want to miss out on this financial support for your church. Fill out the form below to see if your church is able to claim these credits!


Our ERC Specialist Partner will walk you through the application process, answer your questions and give your church a completely free calculation of how much you are eligible for in ERC credits. They understand the unique ways ERC applies to churches with clergy employees to get an accurate calculation of ERC credits. Fill out the form below to see how your church is able to claim these credits!


Applying for ERC (Employee Retention Credit) credits for churches involves a straightforward process aimed at providing financial assistance to these religious organizations. Churches are eligible to claim ERC if they meet certain criteria, such as facing government-imposed restrictions due to COVID-19. The application process typically involves gathering relevant financial information, including payroll records and documentation of revenue loss. Churches can then submit the necessary forms, such as Form 941, to the Internal Revenue Service (IRS) for evaluation and approval. Successful applicants can receive substantial tax credits, helping them retain employees and navigate the economic challenges posed by the pandemic. Fill out the form below and we’ll help your church walk through the process to claim these credits!



Download our ERC Case study to see how real churches we work with are receiving over $100,000 on average in Employee Retention Credits. Whether a church faced restrictions on gathering sizes, reduced tithes, and donations, or had to temporarily close its doors, the ERC can provide financial relief and help offset some of the losses incurred during this challenging time. By accessing this credit, churches can navigate the uncertainties of the pandemic while ensuring the stability of their ministry and supporting their staff as they continue to serve their congregation and community.

Frequently Asked Questions

What is ERC?
The Employee Retention Credit (ERC) under the CARES Act is a tax credit that eligible employers can fully refund. In 2020, the ERC amounted to 50% of qualified wages, including allocable qualified health plan expenses, paid to their employees. This credit applies to wages paid between 3/12/2020 and 1/1/2021, with a maximum wage limit of $10,000 per employee for all calendar quarters, resulting in a $5,000 maximum credit per employee.

The 2021 credit increased to 70%, and the limit for each quarter is now $10,000. As a result, the maximum annual credit for an employee has risen to $28,000.

Does it have to be paid back?
The ERC is a tax credit, NOT a loan – it does not have to be repaid or used in any specific way. Even though churches do not pay taxes, they are still eligible to receive the ERC for keeping employees during the pandemic.
Are there restrictions on how to spend the money?
Unlike the PPP, there are no stipulations on how to spend the money, which means you can put these funds toward ministry.
Are churches eligible?

Yes! Many churches think they are ineligible because they must meet all criteria. However, all churches and nonprofits are eligible if they meet just one of the following criteria:

  • Fully or partially suspended operations by a governmental order (many churches in many states experienced this), or
  • Experienced a significant decline in gross receipts during a calendar quarter when compared to the same quarter in 2019
We received a PPP loan. Can we apply for the ERC?
Yes! Before the Consolidated Appropriations Act 2021, the CARES Act prohibited organizations from obtaining a PPP loan and claiming the Employee Retention Credit (ERC) simultaneously. However, the provision was repealed retroactively to March 12, 2020, with the signing of the Consolidated Appropriations Act on December 27, 2020. This repeal means you can now claim the ERC while receiving total forgiveness on your PPP loan(s). Many churches have already taken advantage of this opportunity.
Could we apply for the ERC ourselves?
You can access these credits by refiling your church’s 941s. However, refiling is a complicated process. To ensure compliance and proper utilization of these benefits, our specialist will gather the appropriate documentation and information from you to file these on your behalf.

It is essential to proceed with caution, as “double-dipping” between these programs is not allowed. You cannot consider wages or benefits used to secure forgiveness on your PPP loan(s) for the ERC.

While it is possible to apply for the ERC yourself, there is room for error that can result in costly repayments, interest, and penalties. Due to the complicated nature of these forms and the risk of penalties, we strongly advise using a professional.

How long will it take to apply?
It will take about 15 minutes to complete the survey to determine eligibility. Once we determine your eligibility, we will need some documents from you to see how much you are eligible for. You can expect to spend less than half a day’s work on this and receive thousands of dollars for ministry!
How much is my church eligible for?

Many factors go into the calculation, which requires a thorough assessment. Recent churches we’ve worked with have encountered significant returns. 

Here are some sample calculations:

  • 8 employees (6 eligible) = $30,000 + $42,000 = $72,000
  • 15 employees (11 eligible) = $55,000 + $77,000 = $132,000
  • 25 employees (20 eligible) = $100,000 + $140,000 = $240,000
How long will it take to receive the ERC?
Once the amended 941s are submitted, receiving the credit can take up to 9 months. However, we have seen some churches receive the credit within three months.
How are the tax credits refunded?
The IRS refunds these tax credits by check. You will receive a check for each eligible quarter.
How much does it cost, and when do I pay?
We charge 10% of the refund received. However, you only have to pay once the refund is received. Beware of scams that try to get you to pay upfront before you have received your refund.
When is the deadline to apply?
The filing deadline for the 2020 quarters is 2024, and for the 2021 quarters is 2025. However, the IRS is considering shortening the deadline due to the demand for these credits. Now is the time to see if you are eligible!

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