1
No upfront fees
2
Determine your eligibility quickly
3
Get funds faster with our strategic partnerships and seamless tax software integrations
As we approach the end of the Self-Employed Tax Credit (SETC) program, we want to share a few important dates for those applying through Gig Worker Solutions:
Sunday, April 6th – Final day to submit new applications through Gig Worker Solutions
Friday, April 11th - All UPS packages must be sent to us no later than this date
Please note: We will stop accepting new application submissions after April 6th. If you plan to mail in documents, make sure your shipping label is used and your package is sent before the deadline.
Thanks for your patience as we help finish up this program and support those already in progress.
If you have questions or need assistance, feel free to reach out to our support team at 804-673-9070 (option 3).
As of March 18th, Carter Federal Credit Union and their technology platform Quilo have immediately stopped all loan funding, including cancelling all open but not yet funded loans—even those previously approved and waiting. Unfortunately, they made this decision without prior notice to us or to applicants.
If your loan was already funded, you're all set—no action needed.
If your loan was approved but not yet issued, Carter Federal Credit Union has cancelled it.
No new loans will be issued.
However, you will still receive your refund directly from the IRS, just through the standard process. Your funds are still yours—it’ll just come without the advance.
We know this is frustrating, and we're actively working to support everyone affected. We’ll continue to provide updates as we have them. Important: If you have not already submitted your Paid Sick and Family Leave Credit (SETC) to the IRS, these must be received by the IRS no later than April 15th, 2025. Please reach out to your SETC Processor or our support team to ensure your file reaches the IRS in time. Thank you for sticking with us.
As a contractor or home repair specialist, your hard work quite literally builds communities. When the pandemic struck, though, supply chains faltered, projects stalled, and client demand fell — leaving millions of contractors and small businesses without their regular income streams.
What many in the contractors and self-employed crews don’t realize is that there’s a unique government program available to help self-employed workers rebuild their businesses beyond pre-pandemic levels. Through this program, known as the Self-Employed Tax Credit (SETC), self-employed contractors and small business owners are eligible for up to $32,220 in tax credits.
These funds go beyond just filling the gaps — they’re an opportunity to invest in your business’s future. Whether it’s covering the rising cost of materials, investing in digital transformation, or securing resources to take on new projects, this tax credit can make a lasting impact. It’s about not just bouncing back — it’s about building a stronger foundation for the road ahead for self-employed workers and their communities.
The SETC Program provides a tax credit for self-employed individuals impacted by qualified COVID-19 disruptions, as outlined in the Families First Coronavirus Response Act (FFCRA) and the American Rescue Plan Act (ARPA). As part of these programs, the U.S. government has set aside millions in tax credits for self-employed individuals like you who were affected by the COVID-19 pandemic.
Unfortunately, many accountants did not (and still do not) know this program exists. So, when we discovered this hidden treasure in 2023, we decided to change it. Since then, we’ve partnered with Anchor Accounting Services to create a seamless experience to return over $500 million to qualified self-employed professionals, including independent contractors, home repair specialists, and small construction business owners.
We are one of the only self-employed communities in the country that is returning this money to its rightful owners. This isn't just any money; it's YOUR money, already earmarked by the government, waiting for you to claim. If unclaimed, these funds — your tax dollars — simply go back into the government's coffers.
Millions of self-employed construction workers and home repair specialists are potentially eligible:
Independent general contractors
Plumbers, electricians, and heating, ventilation, and air conditioning (HVAC) specialists operating as sole proprietors or single-member LLCs
Handymen or home service providers, such as painters and carpenters
Remodeling and renovation contractors
Small construction business owners with 1099 income
For self-employed construction workers directly or indirectly impacted by COVID-19:
Project delays or cancellations due to shutdowns or restrictions
Supply chain issues leading to higher material costs and project delays
Cash flow disruptions caused by delayed client payments
Health-related quarantines or caregiving duties
Reduced client demand from homeowners postponing repairs or upgrades
The following conditions apply:
Must have been self-employed in 2021 and receiving 1099 / Schedule C income
Must have experienced a qualified COVID-19 disruption (impacted)
Must have documentation available if requested to justify your claim
S-corps, C-corps, and W2 income are not eligible
We Make It Effortless to Claim YOUR Money from the Government
We’ve processed 80% of all SETC refunds issued to date, and we specialize in supporting independent contractors and tradespeople. With our experience handling the unique needs of construction and home repair businesses, we’ll manage your filing process end-to-end — getting you your refund fast and hassle-free.
Managing clients, projects, and paperwork at the same time isn’t easy. That’s why we take care of the entire refund process for you, so you can focus on what you do best — building and fixing. Have questions? We’re just a call away and happy to walk you through the steps to secure your refund.
Stop feeling like you have to do it all yourself. Gig Worker Solutions Services are here to provide the support you need to thrive in the gig economy. Get ready to:
Free up your time and energy to deliver exceptional service to your clients and grow your business.
Enjoy exclusive discounts negotiated through the collective power of our massive GWS community.
Get the guidance you need to make informed decisions about your finances, legal matters, and overall business strategy.
Connect with a community of like-minded self-employed professionals who understand your challenges and can offer valuable support.
© 2026 Gig Worker Solutions, Inc. All rights reserved.
