Your Trusted Business Partner

Who We Are

At Credit & Refund Specialists, LLC, our mission is simple: help business owners unlock hidden cash flow, reduce unnecessary expenses, and build stronger, more profitable companies. Through our strategic partnerships with Irongate Business Advisors and On Point Payments, we deliver innovative financial programs designed specifically for small and mid-sized businesses.

Preventive Care Benefits Plan

One of our flagship offerings is the Preventive Care Benefits Plan, available through our affiliate partnership with Irongate Business Advisors. This program allows employers to enhance their employee benefits packages with no additional out-of-pocket costs. Through strategically structured benefit designs, business owners can reduce payroll tax liabilities while improving employee retention, morale, and satisfaction—creating a meaningful competitive advantage in today's tight labor market.

Tariff Refund Recovery

Following a recent Supreme Court ruling, U.S. importers may now be eligible for refunds on certain tariffs paid under the International Emergency Economic Powers Act (IEEPA). Through our partnership with Tariff Recovery Group, we help business owners navigate the CBP claims process to recover overpaid duties—and for those who need capital now, we can help access immediate working capital against your pending claim. This is a time-sensitive opportunity to reclaim cash and put it back to work for your business.

Zero-Fee Credit Card Processing

On the operations side, our zero-fee Credit Card Processing Solution helps merchants eliminate traditional processing costs through a compliant cash discount program. With transparent pricing, free equipment, no long-term contracts, monthly rebate options, and streamlined onboarding, we make switching simple and stress-free.

FICA Tip Credit Program

We also help hospitality businesses leverage the FICA Tip Credit Program—a powerful yet often overlooked federal tax credit available to restaurants, bars, and similar establishments with tipped employees. The IRS allows eligible employers to claim a credit on employer-paid FICA taxes associated with tip income exceeding minimum wage requirements. With a 3-year lookback period on amended payroll tax filings, many businesses can recover substantial cash refunds they didn't realize they qualified for. This isn't a loan or a grant—it's money your business may already be entitled to, and we help you claim it.

Our Approach

Our team of experienced professionals understands the financial pressures business owners face—from rising labor costs to shrinking margins. That's why we provide hands-on guidance, customized strategies, and clear, straightforward processes. We don't believe in one-size-fits-all solutions. We believe in helping you access the programs, credits, and savings opportunities that allow your business to grow with confidence.

Our Commitment

At Credit & Refund Specialists, we're not just service providers—we're partners in your profitability.