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Business Consulting Services That Actually Deliver Results

You're losing thousands monthly to hidden fees and missed opportunities. We find it, fix it, and you only pay from what we save. No consultants. No theories. Just results

✦ $100M+ Recovered for Clients

✦ 2,500+ Businesses Served

✦ Pay Only When We Deliver

Every Month You Wait, You're Losing Money You'll Never Get Back. Money That's Already Yours.

Small businesses lose thousands yearly to hidden fees and miss millions in unclaimed settlements they never knew existed. While traditional consultants charge upfront just to identify problems, we actually fix them.

We handle everything, from merchant audits to settlement claims on pure performance.

No retainers. No hourly billing.

Free Merchant Audit

Our Services

Stoic Payment Solutions Stoic Revenue Recovery Stoic Benefit Solutions Stoic Tax Planning

Merchant Processing
Revenue Recovery
Stoic Benefits Service
AI Tax Optimization

Merchant Processing
Optimization

Hidden fees are buried in processing statements that most businesses never fully understand. We audit every line item, identify unnecessary charges, and negotiate transparent pricing that eliminates confusion.

✦ Businesses save 25% on average
✦ Get Free Merchant Audit Today

Revenue Recovery
Services

Unclaimed settlements and overpayments sit waiting while you run your business. We know exactly where to look and handle all the paperwork to claim what's yours.

✦ $100M+ recovered for clients
✦ Discover claim now open (new)

Employee Benefits
Optimization

Better coverage for less cost through plan analysis and carrier negotiations. We restructure benefits to improve employee satisfaction while reducing your expenses.

✦ Healthcare costs rising 6.5-7.5% in 2025
✦ Average savings: 15-25% on benefits costs

AI Tax
Optimization

AI-powered analysis finds missed deductions while expert CPAs implement proven strategies. Most businesses overpay taxes due to overlooked opportunities.

✦ 30% of owners believe they overpay taxes
✦ From startups to Fortune 500s

What our clients are saying

Mike Rodriguez
Mike Rodriguez
Blue Mountain Dine
We thought we didn't qualify for ERC since we stayed open. Stoic discovered we were eligible due to supply chain disruptions. They handled all documentation and we received our full credit.
Sarah Chen
Sarah Chen
Chen Restaurant
Our processing was killing us at nearly 4% per transaction. Stoic's audit showed $15,200 monthly in unnecessary fees across our 4 locations. We're now saving $15,000 monthly.
Robert Davis
Robert Davis
Davis Retail Solution
We switched processors three times trying to get better rates. Stoic revealed we weren't getting bad rates—we were getting 14 different hidden fees totaling $11,800 monthly. Finally got transparent pricing.

FAQ

What Every Business Owner Should Know

Essential information about fees, settlements, and cost optimization that most owners never learn.

No win, no fee. We have no upfront costs and our fees are completely performance-based. We only get paid when we save or recover funds for you, so if we don't deliver results, you owe nothing. This model is exclusive to our core service offerings.

The deadline to file for the Employee Retention Credit (ERC) has passed. However, if you've already filed a claim and are waiting for your refund, we can help with additional opportunities as well to get your fund fast.

The filing deadline for the Visa/Mastercard settlement was February 4, 2025, and has passed. If you filed before the deadline, your claim is being processed. You can check the status of your claim on the official court-approved site or with the third party you used to file.

The claims portal for the Discover settlement will open on September 11, 2025, with a filing deadline of May 18, 2026.

If your business accepted Discover cards between 2007 and 2023, you may be eligible to receive compensation from the $1.2 billion settlement.

You can learn more about the claim on the official court-approved website. If you choose to use our services to file your claim, you can learn more here.

We execute, not just advise. No lengthy reports or recommendations, we actually do the work. Our 100% contingency model means we're invested in your success. No upfront fees, retainers, or hourly billing. Still not sure about what to do, Call our executives today 🙂

Where Businesses Find Answers
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