Receivables Assistance Program (RAP)1
  • Get up to $250,000
  • Receive 50% of tax prep fees when filing season begins2
  • Start paying back your balance plus a 2% origination fee once funding begins
  • Open to new and existing EROs



In addition to RAP, EROs with prior Republic Bank experience can apply for preseasonRAP.

  • Republic Bank will provide an advance payment in early December to approved EROs
  • Once funding begins, we will withhold 50% of your tax prep fees to pay back your balance plus a 3% origination fee
  • Starting in late fall, sign up through the Tax Information Center (TIC) to apply


With one or both of our programs, you'll be able to:

  • Cover office expenses
  • Pay your employees
  • Advertise to new and existing customers
  • Update computers or software



1 Receivables Assistance Programs (RAP) are only available for EROs whose tax software partner sends Republic Bank taxpayer IRS e-file information.  EROs signed up for either RAP option are charged an origination fee on each dollar loaned that is paid from tax preparation fee disbursements. Please check with your software provider for availability.

2 If enrolled in both programs, in-season RAP advances would begin once your tax preparation fees submitted are twice the preseasonRAP amount advanced.