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.
Our streamlined 4-step process gets your FICA Tip Credit identified, calculated, and filed — with zero disruption to your operations.
Schedule a 30-minute call with our FICA specialists. We review your payroll structure and confirm your eligibility at no cost.
You securely share your payroll records via our intake portal. Our team analyzes tip income and FICA tax obligations.
We calculate your maximum eligible FICA Tip Credit under IRS Section 45B and prepare Form 8846 for filing.
Your credit is applied against your federal tax liability. Most clients receive their refund or tax reduction within 8–12 weeks.
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.
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.
This is a legitimate, IRS-sanctioned credit under Section 45B. Our CPAs ensure every filing is accurate, compliant, and audit-ready.
Haven't claimed this credit before? You may be eligible to amend prior returns and recover credits from up to three previous tax years.
Our team handles all the heavy lifting. You provide payroll data once — we do the analysis, calculation, and filing on your behalf.
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."
"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."
"Professional, fast, and completely transparent. We recovered $29,800 in 10 weeks. I've already referred three other restaurant owners to Sector Credit."
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.
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