Recover the tax credits your business has already earned.
We help U.S. business owners claim ERTC, R&D, and other federal tax credit programs — turning unused incentives into real working capital. No upfront fees, no obligation.
E R T C
Employee Retention Tax Credit
Refundable payroll credit for businesses that kept staff on through 2020–2021 disruptions. Claims may still be available for qualifying quarters.
See If You Qualify ›R & D
Research & Development Credit
Reward for U.S. companies developing new products, software, processes, or formulas — not just lab science. Available federally and in many states.
Explore R&D Credit ›W O T C
Work Opportunity & Other Credits
WOTC, energy-efficient building (179D), cost segregation, and state-level incentives. We screen every program you may have missed.
See All Programs ›
Built for business owners
Why companies choose Cold Reach Financial
Most small and mid-size businesses leave thousands — sometimes hundreds of thousands — in federal tax credits on the table every year. The rules are dense, the paperwork is brutal, and your CPA may not specialize in incentive recovery.
Our team handles the analysis, documentation, and IRS-ready filings end to end. You only pay when your refund is approved — never out of pocket.
Get a Free EstimateCPA & Tax Attorney Reviewed
Every claim we file is reviewed by licensed CPAs and tax attorneys who specialize in federal incentive programs — so your filing stands up to scrutiny.
Contingency-Based, No Risk
Free eligibility review and no upfront fees. Our work is paid as a percentage of the credits you actually recover — if you don't get paid, neither do we.
How we recover your credits:
A streamlined four-step process — most clients spend under an hour of their own time.
- 1
Free eligibility review
Tell us about your business — industry, headcount, payroll, and any innovation activities. We'll flag every credit you may qualify for.
- 2
Document & calculate
Our analysts collect payroll, financial, and project data, then build a defensible credit calculation aligned with IRS guidance.
- 3
File with the IRS
We prepare amended returns and supporting memos. CPA- and attorney-reviewed before anything is submitted.
- 4
Get paid
Refund checks are issued directly to your business by the U.S. Treasury. We invoice only after you're paid.
Get Started
Find out what your business is owed
Free eligibility review. No upfront fees. No obligation.
Start My ReviewCommon questions
Frequently asked questions
Is the ERTC still available in 2026?+
The original filing windows have closed for many quarters, but amended-return claims may still be available in limited cases. Our team will tell you up front whether your business still has a viable path.
What activities qualify for the R&D credit?+
Far more than people assume — software development, custom manufacturing processes, product design, formula improvement, and engineering work all routinely qualify. You don't need a lab or a PhD on staff.
What does it cost to work with you?+
The eligibility review is free. If you choose to move forward, we work on a contingency basis — a percentage of credits actually recovered. No refund, no fee.
Will this trigger an audit?+
Filing for legitimate credits does not increase audit risk. Every claim we prepare is documented to IRS standards and reviewed by licensed CPAs and tax attorneys, with full audit-defense support included.
Hear from clients
What business owners say
"Our CPA had told us we didn't qualify. Cold Reach walked us through the actual rules and recovered a six-figure ERTC refund a few months later."
Marcus D., HVAC company owner
Client
"We had no idea our custom development work was R&D-credit eligible. The whole process took maybe two hours of our team's time."
Priya S., software studio founder
Client
"Straightforward, no upfront cost, and clear about what we did and didn't qualify for. Easy to recommend."
Carla & Tom B., regional restaurant group
Client