Fica.Credit

How It Works

From zero to funded in
4 simple steps.

We've engineered our process to be entirely frictionless. We do the heavy lifting, the deep payroll analysis, and the IRS paperwork. You simply claim your credit.

Our Timeline
● 21 Days Avg
1
Discovery Call 15 Minutes
2
Data Integration Secure Upload
3
Credit Analysis Line-by-Line Math
4
Filing Prep Form 8846 Delivery
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Audit Protection
100% Included
⚑
Onboarding
< 10 Minutes

Discovery & Eligibility Check

We start with a brief, 15-minute consultation to understand your business structure. We don't believe in wasting your timeβ€”if you don't qualify, we'll tell you immediately.

  • Review your business entity and employee structure
  • Confirm tip reporting and minimum wage practices
  • Provide a preliminary "ballpark" credit estimate
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Discovery Phase

15-Minute Call
Zero Obligation
Instant Qualification

Secure Payroll Integration

To calculate the exact credit to the penny, we need granular data. We integrate directly with over 40+ major POS and payroll providers to securely ingest your historical reports.

  • 256-bit AES bank-level encryption portal
  • Direct sync with Toast, ADP, Gusto, Square, and more
  • Most uploads are completed in under 10 minutes
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Data Integration

Toast POS & Square
ADP & Paychex
Gusto & QuickBooks

Deep Line-by-Line Analysis

Our proprietary system and team of tax specialists analyze every eligible tip dollar across every qualifying employee. We perform this for the current year, and retroactively for up to 3 prior years.

  • Application of the $5.15 IRS benchmark rule
  • Adjustments for Highly Compensated Employees
  • Multi-year retroactive gap analysis
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Credit Analysis

Maximum Legal Credit
3-Year Retroactive Look
100% Accuracy Checked

Delivery & CPA Handoff

We do not replace your CPA; we empower them. We deliver a complete, audit-proof packet containing a filing-ready IRS Form 8846 and all supporting documentation.

  • Completed IRS Form 8846 generated
  • Detailed payroll methodology report attached
  • Direct coordination with your tax preparer
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Filing Prep

IRS Form 8846 Ready
CPA Coordination
Ready to File

Fast, transparent turnarounds.

We know that getting cash back into your business is a priority. Here is what to expect from our standard processing timeline.

10m

Your Time Investment

That's all it takes for the initial call and connecting your payroll systems. We handle the rest.

21d

Average Processing

From the moment we receive your data, we deliver your filing-ready packet in roughly three weeks.

100%

Audit Protection

If the IRS ever has questions regarding your claim, our team provides full defense support at no cost.

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Enterprise-Grade Security

Your payroll records contain highly sensitive PII. We treat it with the highest level of security available in the financial industry.

We protect your data like it's our own.

Our entire infrastructure is built to exceed standard compliance regulations, ensuring your employee and financial data is never compromised.

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256-Bit AES Encryption

All data is encrypted in transit and at rest using bank-level AES encryption standards.

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Strict Access Controls

Only the dedicated tax specialist assigned to your account has access to your payroll documentation.

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Contingency Guarantee

We only get paid if we successfully identify a credit for you. There is zero financial risk to start the process.

Ready to begin the process?

Join 3,400+ hospitality businesses that have recovered over $128 million in FICA tip tax credits. Free estimate, no obligation, no risk.

No upfront cost
21-day avg. turnaround
Full audit protection
100% IRS compliant