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While the ERTC was created in the CARES act along with the PPP Loans - this is not a loan, there is no repayment. There are no restrictions for what recipients of the credit must use the funds. Maximizing Your Claims For Keeping Americans Employed. The government has authorized unprecedented stimulus, and yet billions of dollars will go unclaimed. Do Not wait to claim your refund / credit! These funds belong to you. After analysis, you are under no obligation to file.