Sector Credit | Claim Your FICA Tip Credit Refund
IRS Section 45B • FICA Tip Credit Program

Your Restaurant Is Owed a
Government Tax Refund.
Have You Claimed It?

The FICA Tip Credit (IRS Section 45B) allows restaurant and hospitality employers to recover thousands in federal taxes paid on employee tips — every single year. Most owners leave this money unclaimed.

$1,000+ Per Tipped Employee / Year
7.65% FICA Tax Recovered
$0 Upfront Cost to You
Free Estimate
Sample Refund Estimate
$47,200
Estimated annual FICA tip credit recovery
Tipped Employees 24 Staff
Avg. Tips per Employee $25,700 / yr
FICA Rate Applied 7.65%
Estimated Credit $47,200
Calculate My Refund →
IRS-Compliant Process
No Upfront Fees
Refunds in 8–12 Weeks
500+ Businesses Served
Restaurants & Hospitality

How Sector Credit Recovers Your Money

Our streamlined 4-step process gets your FICA Tip Credit identified, calculated, and filed — with zero disruption to your operations.

1
Free Discovery Call

Schedule a 30-minute call with our FICA specialists. We review your payroll structure and confirm your eligibility at no cost.

2
Payroll Data Review

You securely share your payroll records via our intake portal. Our team analyzes tip income and FICA tax obligations.

3
Credit Calculation

We calculate your maximum eligible FICA Tip Credit under IRS Section 45B and prepare Form 8846 for filing.

4
Refund Delivered

Your credit is applied against your federal tax liability. Most clients receive their refund or tax reduction within 8–12 weeks.

Restaurant owner reviewing finances
$47,200 Average client recovery

Stop Leaving Government Money on the Table

The FICA Tip Credit is one of the most underutilized tax benefits in the hospitality industry. Most restaurant owners simply don't know it exists — or assume their accountant is already claiming it.

Dollar-for-Dollar Tax Credit

Unlike a deduction, the FICA Tip Credit directly reduces your federal tax bill — dollar for dollar. Every dollar of credit is a dollar back in your pocket.

Fully IRS-Compliant & Risk-Free

This is a legitimate, IRS-sanctioned credit under Section 45B. Our CPAs ensure every filing is accurate, compliant, and audit-ready.

Claim Up to 3 Prior Tax Years

Haven't claimed this credit before? You may be eligible to amend prior returns and recover credits from up to three previous tax years.

Minimal Time Investment

Our team handles all the heavy lifting. You provide payroll data once — we do the analysis, calculation, and filing on your behalf.

Restaurant Owners Trust Sector Credit

We've helped hundreds of restaurant and hospitality businesses across the country recover millions in unclaimed FICA tip credits.

"I had no idea this credit existed. Sector Credit recovered $38,400 for our restaurant group in the first year alone. The process was completely hands-off for us."

MR
Marcus R.
Owner, The Harbor Grille • Miami, FL

"My CPA of 12 years never mentioned this credit. Sector Credit found $52,000 in recoverable taxes across three years. Absolutely life-changing for our cash flow."

DL
Diana L.
Owner, Bella Notte Ristorante • Chicago, IL

"Professional, fast, and completely transparent. We recovered $29,800 in 10 weeks. I've already referred three other restaurant owners to Sector Credit."

JT
James T.
GM, Coastal Kitchen Group • Houston, TX
As Featured In & Trusted By
Restaurant Business
NRA
Forbes
IRS Certified
$12M+
Total Credits Recovered
500+
Businesses Served
98%
Client Satisfaction Rate
8 Wks
Average Refund Timeline

Find Out How Much Your Restaurant Is Owed Today

Schedule your free 30-minute discovery call. Our FICA specialists will calculate your estimated refund and walk you through the entire process — no obligation, no upfront cost.

Get My Refund Estimate
Free consultation • No obligation • 100% confidential • IRS-compliant process