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Section 45S Prospective Customers

Dual-Pathway Credit Map — Wage + Premium — All 50 States
$124M
Combined Opportunity
51
States + DC
14
Mandate States
Target Firms
406,034
50-499 employees
Eligible Employers
~20,302
@ 5% adoption rate
Wage-Based Credit
$86M
Leave-dependent
Premium-Based Credit
$38M
No leave required
Combined Annual Credits
$124M
Wage + Premium combined
Counties
3,142
with eligible firms
Wage
Premium
Wage: 5% (community bank)  |  Premium: 25% (broker channel)
Company Size Filter 50 – 499 employees
1 5 10 20 50 100 250 500 1K 2.5K 5K+
Firms: 406,034 Avg emp: ~50 Credit/firm: $4,500
Industry Filter (NAICS)
Industry firms: 8,240,603 Share: 100%
Federal Zone Overlays (HUD)
Federal zones from HUD EZRC program. Employers in these areas may qualify for additional tax credits up to $3,000/employee.
Community Bank Branches
Community bank branches (institutions with assets under $20B). 32,355 full-service branches from 3,706 community banks. Source: FDIC BankFind, March 2026.
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Mandate NCOIL Vol. State Vol. No Framework
Top 10 Counties (National)
    VentoKredit — Section 45S Tax Credit Solutions
    Est. Annual 45S Credit (Combined)
    $0$28M
    Empowerment Zone