Since 1997, I've been involved in high level sales, marketing, and consulting roles within the financial services industry.  Due to COVID-19, and the CARES Act, some really lucrative opportunities are available to small to mid-sized employers, that will allow for substantial increase in free cash flow.   One opportunity is ERC (Employee Retention Credits), and the other is Health and Wellness benefits that are taken pre-tax, thus reducing employee and employer FICA taxes.  ERC is still available, even if you were a recipient of PPP or EIDL loans.  These are 941 tax credits that don't have to be repaid.  Employers qualify for up to $26K per employee that was maintained post COVID.  The Health and Wellness plan offers alternative health benefits, taken pre-tax, that comes at zero net cost to employees, and reduces the employers FICA taxes by up to $980 per employee, per year.