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Tax Filing Deadline is April 18 — Express Funding in 5-7 days with Lendesca’s Refund Advance

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Lendesca

Lendesca helps the Self-Employed get up to $32,220
from the SFLC Tax Credit.

Sick and Family Leave Tax Credit (SFLC) is a credit in the form of a refund for the self-employed who missed work due to the affects of the COVID-19 Pandemic.

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  • $0 cost to apply
  • Takes about 15 minutes
  • Funds in 5-7 days with Lendesca’s Advance Refund

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What is the Sick Leave and Family
Leave Tax Credit?

  • Self-Employed individuals may be eligible for tax credits of up to $32,200 for missed work in the 2021 tax year due to COVID.
  • Applies to 1099 Contractors, Small Business Owners, Sole Proprietors, Freelancers, and Gig-Workers.
  • These credits are NOT a loan or grant, but simply a tax credit in the form of a refund from taxes you already paid in 2021.
  • Claim the days COVID-19 affected your ability to work, up to $511 per day.
  • Deadline: Apply by April 10 to meet April 18, 2025 filing deadline.
Apply Now

Questions? Contact us for answers.

How does it work?

Claim Your Days

Couldn’t work due to COVID?
 Claim Up to $511 per day of work missed.

Verify Identity

No Tax Document Upload.
Photo ID and Facial Scan allow for Tax Transcripts to be pulled from IRS

Sign Amended Tax Return

Credit has been around since 2020!

Collect Refund

Access funding in 5-7 days with Refund Advance

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Receiving Your Tax Credits

Access funds faster with Refund Advance.

With our Refund Advance Loan you can access your funds in as little as 5-7 days after signing.*

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Our Flexible Payment Options

Select the payment plan that works best for you. We offer two flexible options for handling the processing fee associated with your tax credit.

Pay Later.

Faster Access to Funds.

Get the financial relief you need quickly with our Pay Later option. With this plan, you unlock the ability to receive an advance on your tax credit, ensuring you can access funds in days—not months.

  • Faster Funding: Access an advance on your tax credit, so you don’t have to wait for IRS processing.
  • Convenience: Ideal for those who need immediate financial relief without upfront costs.
  • Peace of Mind: Start using your funds right away to address your needs.

Apply now

Receive Funds 5-7 days

Pay Now.

A Simple, Upfront Payment Option.

For those who prefer to settle everything upfront, our Pay Now option offers simplicity and no further financial commitments after your initial payment.

  • One and Done: Pay upfront and move forward with confidence.
  • No Future Payments: No ongoing payment obligations to manage.

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Receive Funds in 12-16 weeks

Got questions? We’ve got answers.

The Sick Leave and Family Leave Tax Credit (SFLC) is a refundable tax credit for self-employed individuals who were unable to work in 2021 due to COVID-19-related reasons. You may qualify if you were sick with COVID-19, under quarantine, or caring for a child or dependent due to school or daycare closures. Eligible applicants can receive a maximum credit of $32,220.

If the IRS delays processing your refund, it won’t affect the Refund Advance option provided. The Refund Advance or “pay later” option is based on your approved credit amount, not the IRS’s processing timeline. Once your loan application is verified and approved, you can receive the advance regardless of any delays from the IRS in issuing the actual credit.

Not answer your question? Contact us.

No, there are no additional fees or interest charged on the Refund Advance if the IRS takes longer than expected to process your credit. The terms of the advance remain the same regardless of IRS processing times, so you won’t incur extra costs due to delays.

Yes, Lendesca offers an option to Pay Later using its SFLC Refund Advance loan. This program provides you with upfront funding at no out-of-pocket costs, as any processing fees are netted from the advance. If approved for this option, you can access your funds within 36-48 hours of signing the advance documents, eliminating the waiting period for IRS processing.

Typically, within 5-7 days of signing the refund advance paperwork, provided all steps are completed promptly.

Here’s the process:

1. You will wet-sign the Amendment (Tax) Paperwork and return to Lendesca.
2. Refund Advance paperwork is emailed to you for e-signature.
3. Once the refund advance paperwork is e-signed, Lendesca mails the amendment paperwork to the IRS.
4. After mailing, your advance deposit will be initiated within 36-48 hours by our bank.

Please note that ACH processing times may vary depending on your bank, so the deposit may not fall precisely within that timeframe. However, this is the general timing we expect.

When you accept your Refund Advance, we will verify your bank account details. The refund advance funds will be deposited as an ACH directly into the same bank account used during the verification process.

For the Refund Advance, there is a 20% processing fee and a 9% compliance fee, which is not maintained by Lendesca. For detailed terms and a full breakdown of fees related to the Refund Advance, please review our fee disclosure carefully when applying.

You might be missing out on money you’re owed. Get it.

Check your eligibility and complete the tax credit application process in as little as 15 minutes.

Apply Now

Lendesca® is a financial technology company, not a bank. Loan products are provided by Community Bank & Trust – WGA, an Equal Housing Lender, Member FDIC. Lendesca partners with various providers to enable you to compare offers from participating institutions such as lending. Lendesca is not a lender. Tax forms generated through Lendesca’s online portal are based on information provided by you, the applicant. Applicants are responsible for reviewing, confirming, and self-signing tax forms. If tax advice or tax preparation is needed, Lendesca contracts with AEI Tax LLC on an as-needed basis.

Tax forms generated through Lendesca’s online portal are based on information provided by you, the applicant. Applicants are responsible for reviewing, confirming, and signing tax forms under penalties of perjury. To be eligible for the Sick and Family Leave Credit (and equivalent amounts), among other requirements, Applicants must be able to document that they were unable to work for specific periods of time as a direct result of one or more COVID-related circumstances provided for by law and summarized in IRS Frequently Asked Questions, available here.

The SLFL Sick Leave and Family Leave Tax Credit, also known as (SETC) tax credit amount varies based on individual eligibility, income, and qualifying circumstances as determined by IRS guidelines. The maximum possible credit of $32,220 applies only to applicants who meet specific eligibility criteria, including the maximum number of qualifying leave days. Actual refund amounts may be lower and are subject to IRS review and approval. Lendesca LLC, Community Bank & Trust – WGA, an Equal Housing Lender, Member FDIC and its processing partners do not guarantee any specific refund amount or approval. Processing times and refund advances are contingent on application accuracy, IRS regulations, and banking requirements.

Applicants for the Sick Leave and Family Leave Credit applying through Lendesca may be eligible for a Refund Advance. Not all applicants are eligible. The tax credit amount must be $3,000 or greater to be eligible. Applicants in Iowa, Colorado, and U.S. Territories are not eligible for the Refund Advance.

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