Home Programs How It Works About Contact Check My Eligibility
Three Programs

Everything We Do Is
Recovering Your Money.

Three distinct programs. One free analysis to see which apply. Most Gulf South business owners qualify for at least two.

Program 01
๐Ÿ’ณ
Zero-Fee Processing
Free For You โ€” Cash Discount

Your current processor charges 2.5โ€“3.5% on every card transaction. The FFY program eliminates that cost entirely through a fully compliant cash discount program. Free equipment. Free install. No hidden fees.

Average Annual Savings
$18K โ€“ $40K
On $50Kโ€“$120K monthly card volume
Equipment provided at zero cost
Visa & Mastercard compliant
Switch in under 7 days
Learn More
Program 02
๐Ÿ“‹
FICA Tip Credit
IRS Section 45B โ€” Dollar-for-Dollar

If your employees receive and report tips, you are entitled to a dollar-for-dollar federal tax credit on the employer FICA taxes paid on those tips. Most business owners have never claimed it.

Average Annual Credit
$15K โ€“ $40K
For restaurants with 10โ€“30 tipped staff
Dollar-for-dollar tax reduction
Claimable retroactively
Renews every tax year
Learn More
Program 03
๐Ÿ›๏ธ
Cost Segregation
Accelerated Depreciation Study

If you own commercial property, a cost segregation study reclassifies building components to shorter depreciation schedules โ€” generating a large, immediate tax deduction. The preliminary analysis is free.

Typical Year 1 Deduction
$50K โ€“ $400K
Depending on property value and type
Free preliminary analysis
Retroactive catch-up available
Applies to renovations too
Learn More
Program 01 โ€” Free For You

Stop Paying to
Accept Cards.

Every time a customer swipes a card at your business, your processor takes 2.5 to 3.5 percent off the top. On a business doing $80,000 a month in card volume, that's over $26,000 a year โ€” silently draining your bottom line every single day.

The Free For You cash discount program eliminates that cost entirely. A small service fee is displayed at checkout for card-paying customers, and cash customers receive a discount. The result is zero processing fees for your business โ€” and we provide all the equipment and handle the installation at no cost to you.

Visa & Mastercard CompliantThe program operates within all card brand guidelines. No risk of account termination or compliance issues.
Free Equipment and InstallationNew terminal hardware provided and installed at no cost. Switch is complete in under 7 days in most cases.
No Long-Term Lock-InMonth-to-month after initial activation. No punishing exit fees or long contracts.
Works With Your Existing POSCompatible with most major POS systems including Toast, Clover, Square, and others.
What FFY Recovers
$0
Your monthly processing cost after switching to the Free For You program. We eliminate the fee entirely โ€” not reduce it.
2.8%Average rate businesses pay today
7 daysTypical time to complete the switch
$26,880Annual savings on $80K/mo volume
$0Upfront cost to find out and switch
You may qualify if you:
Accept credit or debit cards
Process $25,000+ per month in card volume
Have an accessible decision maker
Program 02 โ€” IRS Section 45B

A Tax Credit
Most Owners Never Claim.

Under IRS Section 45B, employers are entitled to a dollar-for-dollar federal tax credit on the FICA taxes they pay on employee tips. This credit exists specifically because Congress recognized that tipped wages create an unfair tax burden on employers.

The credit applies to any business with tipped employees who report their tips โ€” restaurants, bars, salons, hotels, and many others. Most business owners have never heard of it. Most CPAs don't proactively file it. We connect you with a specialist firm that handles the entire process.

Dollar-for-Dollar Federal Tax CreditThis is not a deduction. It's a credit โ€” it reduces your tax bill dollar for dollar, not just your taxable income.
Renews Every Tax YearThe credit is available year after year for as long as your employees receive and report tips. It compounds in value over time.
Retroactive Claims AvailableIf you haven't filed this credit in prior years, retroactive claims may be available. Recover past credits you never took.
Referral-Only ProcessWe connect you with our specialist partner who handles the entire filing. No additional work required from you beyond providing payroll records.
What the FICA Credit Recovers
$25K
Average annual FICA Tip Credit for a restaurant with 15โ€“20 tipped employees. This credit recurs every year your employees receive and report tips.
7.65%FICA tax rate applied to tip wages
$1 : $1Tax credit ratio โ€” dollar for dollar
AnnualCredit renews every tax year automatically
$0Upfront cost for analysis and qualification
You may qualify if you:
Have employees who receive and report tips
Pay employer FICA taxes on those tips
Have a federal tax liability to apply the credit against
Program 03 โ€” Cost Segregation

Accelerate Depreciation.
Recover Tax Now.

When you own commercial property, the IRS requires you to depreciate the building over 39 years. But a cost segregation study identifies components of that building โ€” flooring, lighting, specialty systems, land improvements โ€” that qualify for 5 or 15-year depreciation schedules instead.

The result is a dramatically accelerated deduction that moves future tax savings into the present. On a property purchased for $1.5 million, a study typically identifies $300,000 to $500,000 in components eligible for shorter schedules โ€” generating a large Year 1 tax deduction. The preliminary analysis is always free.

Free Preliminary AnalysisOur partner firm evaluates your property at no cost before any engagement. You see the estimated benefit before committing to anything.
Retroactive Catch-Up AvailableOwn the property for years without a study? IRS Rev. Proc. 2011-14 allows catch-up of all missed depreciation in a single tax year โ€” no amended returns required.
Applies to RenovationsSignificant leasehold improvements and renovations qualify for the same analysis, even if you lease the building.
Performed by Credentialed EngineersStudies are conducted by our nationally recognized partner firm using IRS-compliant engineering-based methodology.
What Cost Seg Recovers
Year 1
A cost segregation study concentrates depreciation deductions into Year 1 โ€” instead of spreading them over 39 years โ€” generating an immediate tax benefit.
20โ€“30%Typical portion of property reclassified
$750K+Minimum property value for best ROI
15 yrsMaximum property age for a study
$0Cost for the preliminary analysis
You may qualify if you:
Own commercial property worth $750K or more
Purchased or built within the last 15 years
Have not completed a prior cost seg study
Have a federal tax liability to apply deductions against
Questions

Common Questions
About Our Programs

How long does each program take to set up?
FFY processing switches in 5 to 7 business days including equipment delivery and installation. The FICA Tip Credit analysis takes 2 to 4 weeks for the initial review and filing preparation โ€” then renews automatically each tax year. A cost segregation study typically takes 3 to 6 weeks from engagement to delivery of the final report.
Do I need to change anything about how I run my business?
For FFY processing, minimal change โ€” new terminals are installed and staff are trained on the cash discount display. For the FICA credit, you provide payroll records and our partner handles everything else. For cost segregation, you provide property documents and the engineering firm does the analysis. None of the programs require operational changes to your day-to-day business.
Will my customers complain about the cash discount program?
Some will notice, very few will object. Thousands of businesses across the country โ€” gas stations, restaurants, retailers โ€” operate cash discount programs daily. Clear signage at the point of entry and at the register addresses the vast majority of questions before they become complaints. Most customers understand and accept it quickly.
My CPA has never mentioned the FICA Tip Credit. Why?
Most general practice CPAs are focused on compliance โ€” filing accurate returns โ€” not on proactively engineering tax credits. The FICA Tip Credit requires specific expertise and additional filing work. Many CPAs are simply unaware of it or don't prioritize it. Our specialist partner files this credit exclusively, which is why they consistently find it where a general CPA has not.
Can I qualify for all three programs at the same time?
Yes. A restaurant owner who accepts cards, has tipped employees, and owns their building can qualify for all three simultaneously. The programs are independent of each other and do not interfere. Running all three at once produces the maximum combined benefit โ€” the savings compound rather than conflict.
What does it cost to find out if I qualify?
Nothing. The qualification process โ€” including the full analysis for any program โ€” is free and carries no obligation. You receive real estimated dollar figures before you commit to anything. If we can't find value for your business, we tell you that and walk away.
Ready to See Your Numbers?

Find Out What Your
Business Qualifies For.

Answer 6 questions. See which programs apply and your estimated recovery โ€” in under 60 seconds. Free. No commitment.

Check My Eligibility โ€” Free Schedule a Call

No credit card. No commitment. No sales pressure.