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Frequently Asked Questions (FAQs)
What period does the program cover?
The program began on March 13th, 2020 and ends on September 30, 2021, for eligible employers.
You can apply for refunds for 2020 and 2021 after December 31st of this year, into 2022 and 2023. And potentially beyond then too.
We have clients who received refunds only, and others that, in addition to refunds, also qualified to continue receiving ERC in every payroll they process through December 31, 2021, at about 30% of their payroll cost.
We have clients who have received refunds from $100,000 to $6 million.
Do we still qualify if we already took the PPP?
Yes. Under the Consolidated Appropriations Act, businesses can now qualify for the ERC even if they already received a PPP loan. Note, though, that the ERC will only apply to wages not used for the PPP.
Do we still qualify if we did not incur a 20% decline in gross receipts?
- A government authority required partial or full shutdown of your business during 2020 or 2021. This includes your operations being limited by commerce, inability to travel or restrictions of group meetings.
- Gross receipt reduction criteria is different for 2020 and 2021, but is measured against the current quarter as compared to 2019 pre-COVID amounts.
Do we still qualify if we remained open during the pandemic?
Yes. To qualify, your business must meet either one of the following criteria:
- Experienced a decline in gross receipts by 20%, or
- Had to change business operations due to government orders
Many items are considered as changes in business operations, including shifts in job roles and the purchase of extra protective equipment. The ERC, in this case, also applies only for Q3 and Q4 of 2021. Businesses can qualify, regardless of the number of full-time employees.
GovernmentAid, a division of Bottom Line Concepts, assists clients with various forms of financial relief, particularly, the Employee Retention Credit Program.
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Exceptional Service
Outstanding experience! Their commitment to excellence and prompt responses have significantly eased our financial concerns. Truly a top-notch insurance agency dedicated to client satisfaction.
Comprehensive Coverage
Unmatched protection! Offering a wide range of coverage options, they have ensured our assets and interests are fully safeguarded. A trusted ally in navigating the complexities of insurance.
Customer-Centric Approach
Invaluable support! By prioritizing our needs and offering tailored advice, this agency has consistently demonstrated its dedication to our well-being. A partner you can rely on for personal and professional matters.
Expert Guidance
In-depth knowledge! Their team of experts has been instrumental in helping us understand our insurance options and make informed decisions. An invaluable resource for any insurance-related queries.
Responsive and Reliable
Immediate assistance! Whether dealing with claims or inquiries, their responsiveness and reliability have been exceptional. A dependable agency that stands by its clients in times of need.
Transparent and Trustworthy
Absolute integrity! Their straightforward approach and clear communication have built a foundation of trust. An insurance agency that operates with honesty and transparency at its core.



About Bottom Line Concepts
We are a no-risk, contingency-based cost savings company. We negotiate on behalf of our clients to get the best prices possible from their existing vendors. We audit old invoices for errors getting our clients refunds and credits. We increase the profitability and overall valuation of our client’s organizations. We believe strongly in all species being created equal. Therefore, animal rights, sustainability, and protecting the environment for future generations are paramount to us. Through our “Line Up For Charity” program we give our clients the opportunity to donate part of the cost savings we achieve to causes our clients are passionate about. We provide a work environment where you can make difference.
Interested in finding out more, or have any questions for us?