Advance Loan

Client receives a portion of their expected

refund amount within minutes of SBBT loan

approval. The Advance is disbursed using the

same disbursement method selected by the

client to receive their federal product. The

remaining balance is available upon RAL

approval or IRS funding.

Federal Refund Anticipation Loan (RAL)

The Refund Anticipation Loan (RAL) is a fast

method for your client to receive money based

on their tax refund. Upon receipt of IRS accepted

acknowledgement from an approved transmitter,

and upon meeting SBBT loan approval criteria

(RAL approval), funds are quickly disbursed to

your client via their preferred disbursement

option.

Federal Refund Transfer (RT)

The Refund Transfer (RT) is a quick and cost

effective method for your client to receive

money based on their federal tax refund. IRS

deposits taxpayer s refund into a temporary

account with SBBT. Federal tax refund is usually

deposited within 7 to 14 days from IRS accepted

acknowledgement. Upon IRS funding fees

are deducted from the refund and the balance is

disbursed to you via one of several

disbursement methods. Funding times may vary

depending on IRS processing procedures.

State Refund Transfer (SRT)

Client can request the state taxing authority to

deposit their state refund to their federal RAL or

RT account at SBBT. Upon receipt of state

funding by SBBT, the state refund amount is

made available to you by the same

disbursement method chosen for the federal

product. Funding times vary from state to state.

Direct Deposit/Direct Mail

Both options have funds coming directly from the

IRS.  Both require prior paymet approval from Tax

Bracket to ensure service payment.  Taxpayers can

use the direct deposit line on the 1040 to specify

a deposit to one institution. For more than one

financial institution, taxpayers should use new

Form 8888, Direct Deposit of Refund to More Than

One Account.   Direct Deposit has a 7-14 pay window

and Direct Mail has a 6-9 week pay window.