Every year, California restaurant owners pay millions in unnecessary interest to finance equipment— while sitting on $25,000 to $120,000 in unclaimed FICA tax refunds.
If you have tipped employees, the IRS probably owes you money. And you can use that money to buy equipment. Cash. No loans. No interest. No monthly payments.
Calculate My Refund →Select your equipment type to see typical financing costs—and how much you could save with FICA tax credits instead.
Beverage Equipment
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Warewashing
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Cooking Equipment
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Cooking Equipment
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Refrigeration
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Cooking Equipment
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Refrigeration
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Cooking Equipment
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Technology
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Refrigeration
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Select your California city to see local equipment financing costs and FICA credit alternatives.
You need a $15,000 commercial refrigerator. You finance it at 22% APR for 48 months. Monthly payment: $445. Total paid: $21,360. You just spent $6,360 in pure interest.
Under Section 45B, restaurants can reclaim FICA taxes paid on tipped wages above minimum wage. Most California restaurants with 10+ tipped employees get $35,000-$55,000/year. You can claim 3 years retroactively.
You get a check from the IRS for taxes you already paid. Use it to buy equipment cash. No debt. No interest. No monthly payments. Keep that $6,360 in your business.
If you have tipped employees in California, you're probably owed money by the IRS. Find out how much in 2 minutes.