SBTPG refund advance
Eligible tax filers may apply for an optional short-term loan based on an expected federal refund. This is a loan—not the actual tax refund—and approval is not guaranteed.
Prepare and electronically file your federal return with Tax Advantage Ink LLC and choose whether to apply. SBTPG and its lending partner review the application. If approved, the advance may be issued by check or direct deposit. The loan balance and applicable interest are repaid from the tax refund when it is received.
The current 2026 program lists loan amounts from to ,000 and availability from January 2 through March 12. Most decisions may be made within hours, but timing and approval vary.
SBTPG currently discloses a 35.99% Annual Percentage Rate (APR). For its published example, a ,000 loan repaid in 30 days has a total repayment of ,059.16. Tax preparation, refund-transfer, and other optional-product fees may also apply and will be disclosed before authorization.
A federal refund must be expected. Approval and the maximum amount depend on the lender’s criteria, refund amount, IRS acknowledgment, offsets, and other factors. Not all applicants qualify. A tax return may be electronically filed without applying for this loan.
Ask Tax Advantage Ink about current availability and review every loan disclosure before signing.