FOUR PROGRAMS · ONE PARTNER

Money your business is owed. Recovered.

Tax credits, tariff refunds, fee elimination, and growth capital — Paybly runs the filings, the paperwork, and the follow-up so your team can stay on the business. Free reviews, no obligation, and a specialist on the phone when you want one.

☎ Call 877-467-6785

NO COST TO REVIEWYOU KEEP YOUR DATACONFIDENTIAL BY DEFAULTTOLL-FREE (877) IMPORT-5

WHAT WE DO

Five ways we put money back on your side of the table

Most businesses are leaving money with the IRS, with CBP, with their card processor, or with their utility company — not because they aren't eligible, but because claiming it is tedious. That part is our job.

IRS SECTION 45B

FICA Tip Tax Credits

Restaurant, bar, and hospitality operators may be owed tens of thousands annually — and most never claim it.

$30,000+/yr

Explore FICA credits

CASH DISCOUNTING

Credit Card Processing

Processing $8,000/month or more? Eliminate your credit card processing fees completely with our Cash Discounting program.

$0 in fees

Explore cash discounting

ALL INDUSTRIES

Business Funding

Revenue loans, lines of credit, equipment financing & term loans — same-day funding available for all industries.

Up to $5M

Explore funding

IEEPA REFUNDS · ANCHOR REFUND SOLUTIONS

Tariff Refund Recovery

The IEEPA tariffs were ruled unlawful. If you imported goods in 2025–2026, CBP may owe you duties back — plus interest.

6% interest

Explore tariff recovery

COMMERCIAL & INDUSTRIAL · BUSH & ASSOCIATES

Utility Bill Recovery

80% of commercial accounts carry billing errors. We run a free forensic audit and get you a refund check plus a corrected rate.

36-mo lookback

Explore utility recovery

THE SCALE OF IT

Real programs. Real dollars.

$30K+

Typical FICA credit per location / yr

100%

Processing fees eliminated

$5M

Max business funding

$166B

Est. IEEPA duties being refunded

80%

Of audited utility accounts have billing errors

HOW WE WORK

Built to sit alongside your operations — not interrupt them

Every program starts the same way: a free review with no obligation. We tell you what you're eligible for and what it's worth before you commit to anything. Most clients spend less than an hour of their own time, start to finish.

☎ 877-467-6785

Free eligibility review across all five programs in one conversation.

Specialists handle filings, deadlines, and follow-up on your behalf.

Your data is used only to prepare your claim — never sold or shared.

One toll-free number for everything: 877-467-6785 — (877) IMPORT-5.

TALK TO A SPECIALIST · MON–FRI

One call covers all five programs.

877-467-6785 (877) IMPORT-5 · TOLL-FREE

BUSINESS OWNERS · IRS SECTION 45B

FICA Tip Tax Credits

Restaurant, bar, and hospitality operators may be owed tens of thousands annually — and most never claim it. The Section 45B credit reimburses you for the employer FICA taxes you pay on employee tips above minimum wage.

☎ 877-467-6785

FREE CREDIT REVIEWNO OBLIGATIONUP TO 3 PRIOR YEARS

ELIGIBLE

CREDIT ESTIMATEFORM 8846

Business TypeRestaurant / Bar

Tipped Employees22

Reported Tips / yr$418,000

Credit BasisIRC §45B

Amendable YearsUp to 3 prior

Est. Annual Credit$30,000+

WHY THIS CREDIT EXISTS

You already paid the tax. The credit gives it back.

Every payroll run, you pay employer FICA taxes on the tips your staff reports. Section 45B of the tax code lets you claim a dollar-for-dollar credit on those taxes for tips above the federal minimum wage threshold — and it can be claimed retroactively for open tax years.

$30K+/yr

Typical eligibility per location

7.65%

Employer FICA rate the credit offsets

3 yrs

Prior years that may be amended

$1-for-$1

Dollar-for-dollar tax credit

HOW IT WORKS

From payroll data to filed credit, in four steps

FREE TIP-CREDIT AUDIT

We review your payroll and tip reports

Send your payroll summaries — or connect your payroll provider — and we identify every dollar of employer FICA paid on reported tips, for the current year and up to three prior years.

CALCULATION

We compute the exact credit

The credit applies to tips above the minimum-wage threshold. We run the calculation per employee, per period, so the number filed is the number you're actually owed.

FILING

Your credit is claimed with the IRS

Current-year credits are claimed on Form 8846 with your return; prior years are captured through amended returns, prepared with your tax professional.

DOLLARS BACK

Your tax bill drops — or a refund arrives

The credit offsets your federal income tax dollar-for-dollar. For amended prior years, that typically means a refund check.

AM I ELIGIBLE

If your staff earns tips, you should check

Eligibility isn't complicated — it's just rarely checked. If most of the items on the right describe your business, there's a strong chance you're leaving credits unclaimed every single year.

☎ Call 877-467-6785

You operate a restaurant, bar, café, or other food & beverage business.

Your employees receive and report tips.

You pay employer FICA taxes on those reported tips.

You have not claimed the Section 45B credit — or aren't sure whether you have.

QUESTIONS

Frequently asked questions

Is this the same as the ERC?

No. The FICA tip credit (Section 45B) is a separate, permanent part of the tax code specifically for employers with tipped staff. It's claimed year after year, not just once.

Can I claim past years?

Generally yes — open tax years (typically up to three prior years) can be amended to capture credits you missed, which is often where the largest recoveries come from.

Does this create audit risk?

The credit is a standard, well-established filing claimed on IRS Form 8846. We document every number from your own payroll records so the claim is fully supportable.

What does Paybly charge?

The review is free. Pricing depends on the size of the credit and the years involved — we'll walk through it before anything is filed, and there's no cost to find out where you stand.

FREE FICA CREDIT REVIEW

Find out what your locations are owed.

877-467-6785(877) IMPORT-5 · TOLL-FREE

ALL BUSINESSES · CASH DISCOUNTING

Credit Card Processing, $0 in fees

Processing $8,000/month or more? Eliminate your credit card processing fees completely with our Cash Discounting program — a compliant pricing model that thousands of merchants have already switched to.

☎ 877-467-6785

FREE STATEMENT REVIEWNEXT-DAY DEPOSITSMODERN EQUIPMENT INCLUDED

$0 FEES

MONTHLY STATEMENTCASH DISCOUNT

Card Volume$42,500

Old Effective Rate3.4%

Old Monthly Fees-$1,445

New Processing Fees$0.00

Annual Savings$17,340

THE PROBLEM

Processing fees are a silent partner taking 3–4% of every card sale

On $10,000 a month in card volume, typical processing costs run $3,600–$4,800 a year — money that comes straight out of your margin. Cash discounting moves that cost off your statement entirely.

Your monthly processing fees

3–4%

Typical fees eliminated

$8K+

Monthly volume to qualify

24hr

Typical deposit timing

HOW IT WORKS

Switching takes days, not months

FREE STATEMENT REVIEW

We read your current statement

Send one recent processing statement. We show you exactly what you're paying today — including the fees buried in the fine print — and what $0 looks like instead.

SETUP

Equipment and signage, handled

We ship modern terminals programmed for cash discounting and provide the compliant customer-facing signage. Your team gets a simple walkthrough — most staff learn it in minutes.

GO LIVE

Card sales run fee-free

Customers who pay by card see a small, clearly disclosed service amount; cash payers get the discount price. Your deposits arrive with no processing fees withheld.

ONGOING SUPPORT

Real support when you need it

Rate creep, surprise fees, and unreachable support are why merchants leave their old processors. You get a direct line: 877-467-6785.

SIDE BY SIDE

Your statement, before and after

Line Item	Traditional Processing	With Paybly Cash Discounting
Interchange & markup	2.5–4% of every sale	$0
Monthly & statement fees	$10–$50/mo	$0
PCI & junk fees	$100+/yr, often hidden	$0
Equipment	Leased or purchased	Included
Rate increases	Regular & unannounced	None — there's no rate

FREE STATEMENT REVIEW

Send one statement. We'll show you the $0 version.

877-467-6785(877) IMPORT-5 · TOLL-FREE

ALL INDUSTRIES · GROWTH CAPITAL

Need capital to grow?

Revenue loans, lines of credit, equipment financing & term loans — same-day funding available for all industries. One application, multiple lenders competing, and a real person walking you through the options.

☎ 877-467-6785

SOFT PULL TO PREQUALIFYSAME-DAY FUNDING AVAILABLEALL INDUSTRIES

APPROVED

FUNDING PROFILEPREQUAL

Max Funding$5,000,000

Approval Time24 hours

Min Credit Score500+

Time in Business6+ months

Products4 loan types

$5M

Max funding

24hr

Approval time

500+

Credit score accepted

Same-day

Funding available

FOUR WAYS TO FUND

Pick the capital that fits the job

REVENUE-BASED

Revenue Loans

Funding sized to your monthly revenue, with repayment that flexes alongside your sales. Fastest path to same-day capital.

Discuss this option

FLEXIBLE

Lines of Credit

Draw what you need, when you need it, and pay interest only on what you use. A safety net that's there before you need it.

Discuss this option

ASSET-BACKED

Equipment Financing

Fund trucks, kitchens, machinery, and technology with the equipment itself as collateral — preserving your cash for operations.

Discuss this option

LONG HORIZON

Term Loans

Larger amounts with fixed payments over a set term — right for expansions, buildouts, acquisitions, and refinancing.

Discuss this option

HOW IT WORKS

Application to funding in three steps

10-MINUTE CALL

Tell us what the capital is for

Amount, timing, and purpose. We'll tell you on the spot which products fit and what documentation you'll need — usually just recent bank statements.

ONE APPLICATION

We shop it, lenders compete

A single application goes to our lender network. Prequalification uses a soft credit pull, so checking your options doesn't ding your score.

FUNDED

Money in your account — same day when it counts

Review the offers side by side, pick one, sign electronically. Many revenue-based deals fund the same business day.

FUNDING SPECIALISTS STANDING BY

Know your options before you need them.

877-467-6785(877) IMPORT-5 · TOLL-FREE

IEEPA TARIFF REFUND RECOVERY · WITH ANCHOR REFUND SOLUTIONS

The tariffs were ruled unlawful. Get your money back.

In February 2026, the Supreme Court struck down the IEEPA tariffs collected through 2025 and 2026. CBP is refunding overpaid duties — but only to importers who file the right way, through the right channel, before their window closes. We run that process for you, start to finish.

☎ 877-467-6785

NO COST TO REVIEWYOU KEEP YOUR DATALICENSED CUSTOMS SPECIALISTSCONFIDENTIAL BY DEFAULT

UNDER REVIEW

ENTRY SUMMARY REVIEWCAPE / ACE

Entry No.████████-██

HTS Chapter 99 LineIEEPA — Reciprocal

Liquidation StatusUnliquidated

Filing PathPost Summary Correction

Statutory Interest6.00% / yr

Claim StatusEligible for Refund

THE SCALE OF IT

This isn't a small correction

Figures reflect CBP's own filings with the Court of International Trade. Anchor Refund Solutions is an independent recovery firm and is not affiliated with CBP or any federal agency.

330,000+

Importers with IEEPA-tariffed entries

53M

Import entries subject to refund

$166B

Estimated IEEPA duties collected

6%/yr

Statutory interest owed on top

HOW IT WORKS

From entry data to deposit, in five steps

Built to sit alongside your operations, not interrupt them. Most clients spend less than an hour of their own time on the entire claim.

FREE ENTRY AUDIT

We identify every eligible entry

Send your entry summaries, or connect your customs broker, and we review your full 2025–2026 import history to flag every line item that included an IEEPA tariff — and estimate what's recoverable.

FILING PATH & DOCUMENTATION

We determine how each entry gets filed

Unliquidated entries need a Post Summary Correction; liquidated entries need a formal protest before their 180-day window closes. We sort your entries into the correct path and format everything to CBP's requirements.

SUBMISSION THROUGH CBP'S SYSTEM

We file, and we track every submission

Your claim goes through the CAPE portal inside ACE — or through your broker's account. We monitor validation and handle any resubmissions if an entry gets kicked back.

CBP REVIEW & LIQUIDATION

We stay on top of it while CBP works

CBP recalculates your duties as though the IEEPA line never applied. We check status regularly and follow up so your file doesn't stall in a queue.

REFUND + INTEREST, DELIVERED

The money lands in your account

Your refund, plus statutory interest accrued from your original deposit date, is paid by ACH to your enrolled account. We confirm the deposit and close out the file.

AM I ELIGIBLE

Four questions decide whether you have a claim

Eligibility isn't complicated to check — it's just tedious to verify across hundreds or thousands of entries. We do that verification as part of your free audit. If most of the items on the right describe your business, you very likely have duties sitting with CBP that are recoverable.

☎ Call 877-467-6785

You imported goods into the United States in 2025 or 2026.

You were the importer of record — or a customs broker filed on your behalf.

Some of the duties charged included an IEEPA or "reciprocal tariff" line item.

Your entries are still unliquidated, or were liquidated within the last 180 days.

QUESTIONS

Frequently asked questions

What is IEEPA, and why is this refund happening?

The International Emergency Economic Powers Act lets a president restrict trade during a declared national emergency. It had never been used to impose tariffs before 2025. In February 2026, the Supreme Court ruled that using it that way exceeded presidential authority — which is why duties collected under it are now being refunded.

My customs broker filed the entries — am I still eligible?

Likely yes. Eligibility follows the importer of record, not whoever physically filed the paperwork. If you were the importer of record and a broker filed on your behalf, the claim is still yours to make.

Is there a deadline?

Yes, for any entry that's already liquidated: you have 180 days from the liquidation date to file a protest, and the claim generally closes after that. Unliquidated entries follow the standard cycle, but filing earlier generally means a faster refund.

Will I get interest on top of the refund?

Yes. By statute, CBP owes interest on overpaid duties from the date you deposited them until the date of refund, currently accruing at 6% annually.

What does it cost?

Pricing depends on how many entries are involved and which filing path applies, so we walk through it during your free eligibility review. There's no cost to find out where you stand.

FREE TARIFF REFUND REVIEW

Check your entries before the window closes.

877-467-6785(877) IMPORT-5 · TOLL-FREE

COMMERCIAL & INDUSTRIAL · UTILITY BILL RECOVERY · WITH BUSH & ASSOCIATES

Your utility bills are quietly overcharging you. We get the money back.

Roughly 80% of commercial and industrial utility accounts carry billing errors — misapplied rate schedules, meter multiplier mistakes, incorrect tax exemptions, and demand charges that were never corrected. Utility providers aren't required to catch these for you. We run a free forensic audit of your electric, gas, water, and sewer accounts, file the claims, and get you a refund check plus a corrected rate going forward.

☎ 615-613-5901

NO UPFRONT COSTCONTINGENCY ONLYFORENSIC AUDIT SPECIALISTSCONFIDENTIAL BY DEFAULT

ELIGIBLE

BILLING AUDIT REVIEWRATE & TARIFF

Account TypeCommercial / Industrial

Monthly Utility Spend$50,000+

Audit BasisRate & Tariff Error Review

Lookback Window36 months

Claim StatusEligible for Refund

10,000+

Commercial audits completed nationwide

80%

Of audited accounts show billing errors

36 mo

Refund lookback window in most states

Upfront cost to find out

HOW IT WORKS

From bill to refund, in four steps

Built to run in the background while you keep operating. Most clients spend under an hour on the entire process.

WE REVIEW YOUR ACCOUNTS

Free Utility Audit

Send recent electric, gas, water, and sewer bills and we screen every account for rate misclassifications, meter errors, and lost tax exemptions.

WE CALCULATE WHAT'S OWED

Forensic Analysis

Our auditors cross-reference your bills against current tariff schedules, hundreds of regulatory filings, and your facility's actual usage profile.

WE HANDLE THE UTILITY DIRECTLY

Filing & Negotiation

Confirmed errors are filed as formal refund claims and rate corrections with your utility provider, so you never have to negotiate with them yourself.

MONEY BACK, AND IT STAYS BACK

Refund + Lower Rate, Delivered

You receive a refund check for the overpaid amount plus a permanently corrected rate going forward.

AM I ELIGIBLE

Four questions decide whether you have a claim

Eligibility is easy to check, just tedious to verify line by line. We do that verification as part of your free audit. If most of these describe your facility, there's very likely a refund waiting.

☎ Call 615-613-5901

Your facility spends $50,000 or more per month across combined utility accounts.

You haven't had a full forensic audit of your utility bills in the past three years.

Your operation runs high-load equipment: refrigeration, manufacturing, HVAC, or 24/7 processing.

You're not fully certain your rate schedule, meter multipliers, and tax exemptions are all correct.

QUESTIONS

Frequently asked questions

What counts as a utility overpayment?

Rate schedule misclassifications, meter multiplier errors, power factor penalties, evaporative water losses billed as sewer charges, and sales tax charged on exempt usage are the most common. Each is a documented billing mistake, not a rate dispute.

Why do most commercial bills go unchecked?

Accounting teams typically compare each invoice to last month's or to the annual budget. That catches spikes, not tariff misclassifications buried in the rate structure, so the errors persist for years.

How far back can I claim a refund?

Most jurisdictions allow a 36-month lookback window. Every month that passes is a month of refund that becomes permanently unrecoverable, so timing matters.

What does this cost if you don't find anything?

Nothing. The audit is contingency-based: if no refund is identified, you owe nothing. Fees only apply as a percentage of funds actually recovered.

FREE UTILITY BILL AUDIT · BUSH & ASSOCIATES

Find out what you're owed before your refund window closes.

615-613-5901 BUSH & ASSOCIATES · UTILITY RECOVERY