Every business generates value that goes unclaimed — overpaid tax, unused credit, financing nobody had time to shop for. Upcycle Funding exists to recover it.
Most tipped-wage employers have never filed for the FICA Tip Tax Credit, even though it's one of the most reliable, best-documented federal tax credits available to restaurants, bars, cafés and hotels. It requires no new debt, no equity given up, and often reaches back three prior tax years. That combination — high eligibility, low friction, real dollars — is why it's the first thing we look at with every business we work with.
It's also just the start. Once that capital is recovered, many businesses are ready for their next move: new equipment, a second location, or working capital to get through a slow season. That's where our funding network comes in.
Upcycle Funding doesn't issue loans or file tax returns ourselves. We're a referral partner that connects your business with licensed tax professionals and a nationwide network of lenders — the same partners and programs used across the industry — matched to your specific numbers.
Upcycle Funding is an affiliate and referral marketing business. When you engage one of our tax or funding partners through a connection made on this site, we may receive compensation from that partner. This doesn't change what you pay them, and it doesn't influence our recommendation of which program fits your business — our goal is a long-term relationship with businesses we've helped, not a one-time referral fee.
We're not a law firm, CPA firm, or lender, and nothing on this site is legal, tax, or financial advice. Always review terms directly with the partner handling your filing or financing.
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