Upcycle Funding helps tipped-wage employers recover the FICA Tip Tax Credit they've overpaid — then matches your business with the right funding, from SBA loans to equipment financing, so the capital keeps working.
Average FICA Tip Credit recovered per qualifying location, based on partner filings.
Overpaid payroll taxes. Unclaimed credits. Financing left on the table because nobody had time to shop sixty lenders. It isn't gone — it's just sitting where nobody's looking. Upcycle Funding exists to find it, file for it, and turn it back into working capital for your business.
We lead with the FICA Tip Tax Credit because it's the most overlooked recovery opportunity in food, beverage and hospitality — most eligible operators have never filed for it. From there, our funding partners can place the capital you recover, plus any additional financing you need, across a nationwide lending network.
If you operate a restaurant, bar, café, or hotel and pay employer-side Social Security and Medicare tax on reported tips, you likely qualify for a dollar-for-dollar federal tax credit under IRC Section 45B — even for up to three prior tax years.
Through our funding network, Upcycle Funding connects qualifying businesses to the same programs and lenders offered across the industry — matched to what your business actually needs.
Recover overpaid payroll tax on employee tips. Our primary focus.
Long-term, low-rate financing for real estate, acquisitions and working capital.
Fund kitchen equipment, POS systems, vehicles and more.
Cover payroll and vendors through slow seasons and growth spurts.
Bridge, SBA and conventional financing to buy, build or renovate.
Convert receivables into cash without taking on new debt.
A short form tells us whether you're likely eligible for the FICA Tip Credit and which funding programs fit.
Our partner specialists review payroll and tip records to calculate what you're owed — no cost to find out.
Credits get filed, refunds get issued, and if you want financing on top, we match you with the right lender.
Two minutes tells us whether the FICA Tip Credit — or another funding program — makes sense for you.
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