Claim Up to $300K in IRS Refunds for Your Tipped Employee Business

Recover FICA taxes and prepare for new 2025 tax benefits—fast, secure, and with no upfront fees.

Why This Matters Right Now

Tax Landscape Is Changing

With Social Security reform looming and major tax changes on the horizon, securing your benefits now provides financial certainty in an uncertain future.

Your Refund Window Is Closing

You can only claim FICA tax refunds for the past 3 years. Every day that passes means potentially thousands in expired eligible refunds that you’ll never be able to recover. 2022 tax credits are already on the verge of expiring forever.

Economic Pressures Are Mounting

Business owners in tipped industries are facing unprecedented challenges with skyrocketing labor costs, rent increases, and food inflation—particularly severe in regions like South Florida, where operating margins are being squeezed to the breaking point.

The FICA Tip Credit Explained

IRS Section 45

This powerful but underutilized tax provision allows eligible employers to claim a dollar-for-dollar refund on all FICA taxes paid on reported employee tips. Unlike tax deductions that only reduce taxable income, this is a direct credit that puts cash back in your business account.

Who Qualifies

Businesses with W-2 employees who receive tips qualify, including restaurants, bars, cafes, hotels, salons, spas, valet services, and other service industries. If your customers regularly tip your staff, you’re likely eligible for significant refunds.

Three-Year Lookback

The IRS allows businesses to claim retroactive refunds for up to three years of previously paid FICA taxes on reported tips. This means you can recover taxes from 2022, 2023, and 2024—but you must act before 2022 credits expire.

Your Potential Recovery Amount

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Avg. Recovery

Small businesses with 15-20 tipped employees typically recover at least $80,000 in FICA tax refunds, often representing a critical lifeline for operations.

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Max Refund

Larger operations with 50+ tipped employees can recover up to $300,000 or more, creating transformative opportunities for business growth and investment.

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Average Timelines

Most qualified businesses receive their full cash refund within 8-16 weeks of filing, providing rapid financial relief when you need it most.

Cash Now vs. Future Credits: Which Is Right For You?

 

Feature Refund Now Carry Forward Credit
Timing 8-16 weeks Used in future years
Value Immediate cash in hand Offset future tax liabilities
Flexibility Spent as needed for any purpose Limited to tax owed
Risk Low – secured benefit Higher due to potential tax law changes

While both options provide valuable benefits, the immediate cash refund offers greater flexibility and certainty in today’s volatile economic environment. With inflation concerns and operating costs rising, most business owners prefer the security of cash in hand rather than future tax offsets that could be affected by changing legislation.

Strategic Ways to Reinvest Your Refund

Operational Improvements

Strengthen your core business by investing in staff retention bonuses, upgrading point-of-sale systems, enhancing inventory management, or covering rising payroll costs without sacrificing service quality. Many owners use this windfall to weather seasonal downturns or unexpected expenses.

Future Planning

Build long-term wealth by establishing or increasing contributions to SEP IRAs or Solo 401(k) retirement plans. This creates tax-advantaged growth opportunities while securing your financial future beyond the day-to-day business operations.

Business Growth

Accelerate expansion by investing in targeted marketing campaigns, upgrading facilities, improving compliance infrastructure, or implementing new technologies that enhance customer experience. This refund provides rare “free capital” without interest or equity dilution.

Three Critical Reasons to Act Now

2022 Credits Are Disappearing Forever

Once a tax year passes the three-year threshold, you permanently lose eligibility to claim those refunds. The clock is ticking on your 2022 credits, potentially costing you tens of thousands in recoverable funds that will soon vanish.

Your Business Needs Cash Flow Today

With economic uncertainty and rising operational costs, injecting $80,000-$300,000 of found money into your business within weeks creates immediate breathing room and strategic opportunities without taking on debt or giving up equity.

Position For Future Tax Advantages

By establishing proper tip reporting systems now, you’ll maximize both your ongoing FICA credit eligibility and prepare your employees to benefit from the upcoming No Tax on Tips Act, creating a sustainable competitive advantage in hiring and retention.

Don’t let your 2022 tax credits expire! Every day that passes means potentially thousands in lost refunds you’ll never be able to recover.

Get Started with Biz Savvy in Just 10 Minutes

10-Minute Pre-Qualification

Our streamlined process quickly determines your eligibility without disrupting your busy schedule. Most business owners are surprised to discover they qualify for significant refunds they never knew existed.

No Upfront Fees

We only get paid when you receive your refund, eliminating all financial risk. Our fee is a percentage of the recovered amount, ensuring our interests are perfectly aligned with maximizing your benefit.

Complete IRS Audit Protection

Our team of tax experts handles the entire process from start to finish, including all documentation and any potential IRS inquiries. You’ll receive your refund with complete peace of mind and zero administrative burden.