KHJ Consultant

🚨🚨🚨TAX TALK🚨🚨🚨

REFUND ADVANCES—-WHO DO YOU THINK APPROVE ADVANCES??

Let’s clear up the confusion because misinformation causes frustration every tax season.

Here’s the truth:

A Refund Advance Loan is issued by a bank — NOT your tax preparer.

Most tax offices work with the same partner banks, so there is no special access, pull, or connection that guarantees approval.

✔️ Your tax preparer does NOT approve or deny advances
✔️ The bank makes the final decision
✔️ Approval is based on risk + verification, not preference

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Important to Understand
🔻🔻🔻
• A refund advance is a bank product
• It is NOT guaranteed money
• Approval varies by client and filing details

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What Banks Review When Deciding an Advance💰

📂 Your tax return must be accepted
🆔 Identity verification must clear with no flags
📊 Income must be reasonable compared to prior years
📉 Large drops in income may lower or deny an advance
📑 Prior history with advances is reviewed
⏳ Early-season advances are intentionally smaller to manage bank risk

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Important Disclosure

Refund advances are issued and approved by the partner bank, not the tax preparer.
The preparer cannot determine approval, change the amount, or override bank decisions.

Advance eligibility and amounts depend on:
• Verified income
• Filing status
• Credits claimed
• Bank compliance and risk assessment guidelines

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Accuracy Matters

Rushing a return or inflating numbers to try to qualify for an advance can:
⚠️ Trigger IRS review
⚠️ Delay your refund
⚠️ Result in advance denial

Providing complete and accurate information supports smoother processing and faster funding.

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