Watch how FinTitan helps restaurants, bars, and hospitality businesses reclaim the FICA Tip Credit — a dollar-for-dollar federal tax credit most owners never knew existed.
Brian Anderson, Co-Founder of FinTitan, breaks down the FICA Tip Credit — one of the most underutilized provisions in the entire tax code.
The FICA Tip Credit (IRS Section 45B) is not a deduction — it's a dollar-for-dollar federal tax credit that directly reduces your tax liability or puts cash back in your pocket.
You can amend up to three prior years of tax returns to claim credits you missed. That means recovering money for 2023, 2024, and 2025 — plus the current year going forward.
Typical restaurants recover between $50,000 and $300,000. Fine dining and multi-location groups can see even higher returns — one Fort Worth group recovered over $1 million.
Any food & beverage business with W-2 tipped employees who paid FICA taxes on those tips. Restaurants, bars, nightclubs, hotels, catering companies, breweries, and wineries all qualify.
FinTitan has never had a single FICA Tip Credit claim audited. Every claim is prepared by specialist CPAs with full IRS audit defense included at no extra cost.
If your credit exceeds your current tax liability, unused credits carry forward for up to 20 years — providing ongoing tax optimization, not just a one-time benefit.
These examples are based on real client scenarios shared during the webinar. Your recovery depends on your number of tipped employees and total tip volume.
Smaller tip volumes, but still a significant recovery with the 3-year lookback.
High-volume venue near Tampa airport with $2.8M revenue and $420K in tips.
Standard full-service with 20% tip average. Credit offsets future tax bills too.
Larger tabs, more staff, higher tip volumes. Multi-location groups exceed $1M.
Zero upfront cost. 100% success-based. Your involvement takes about 30 minutes total.
Visit fintitan.com and fill out a short form. One of our consultants will reach out to discuss your situation — no cost, no obligation, no lock-in.
Provide your payroll records and past tax data (about 30 minutes of your time). Our specialist CPAs analyze your tip income to maximize the allowable credit.
We prepare and file IRS Form 8846 and any amended returns. Processing takes 2–3 weeks on our end. Full audit protection is included.
Current year credits reduce your tax bill. Past years come as physical checks from the US Treasury. Expect 30–60 days for current year, 90–120 days for prior years.
FinTitan is a compliance-first tax consultancy with ~90 employees focused exclusively on tax credits. We're the keynote sponsor of the National Restaurant Association.
Your business provides food or beverages for consumption on or off the premises.
You have employees who customarily receive voluntary tips from customers.
You paid the employer portion of Social Security and Medicare taxes on those tips.
Use FinTitan's free interactive estimator to see how much your restaurant could recover. No cost, no obligation — just real numbers in minutes.
Calculate Your Credit Now →Prefer to speak with someone directly?
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