Retain & Reclaim
Grow your bottom line. Reclaim your time. Retain your best people.
We connect businesses with vetted programs that deliver savings in money, time, and support your team — without adding administrative burden.
No Obligation.
Services Overview
Preventive Care Benefit Plan
Offer qualifying wellness benefits to full-time employees and their families while decreasing your tax liability — all without reducing employee take-home pay or how you run payroll. Savings are applied each payroll cycle. Delivered through a national program administrator, with no out-of-pocket cost and minimal administrative effort.
Discover Card Settlement Recovery
Recover funds your business may be owed from past Discover card processing fees — with no out-of-pocket cost and minimal administrative work. A national settlement recovery specialist manages the process from claim review through resolution.
Business Rewards Program
Earn rewards points on every credit card transaction accepted — redeemable for over 5,500 options. Enrollment, setup, and ongoing optimization are handled by an established payments processor, including free terminals and next-day funding.
Business Funding
Secure fast, flexible funding to support growth, manage cash flow, or address unexpected needs — with minimal paperwork and transparent terms. An established funding provider guides the process from application to approval.
How This Works
Step 1 – Share a few details
Answer a short set of questions so we can understand your business at a high level.
Step 2 – We review and identify opportunities
We evaluate your information to identify potential cost-saving or cash-flow opportunities worth exploring.
Step 3 – You decide how to proceed
If an opportunity aligns with your business, we outline the next steps and connect you with the appropriate program provider, who manages the process from start to finish. You are never obligated to move forward.
Not every business qualifies for every program. If something is not a fit, we’ll let you know promptly.
Who We Are
Retain & Reclaim is a curated resource designed to help small and mid-sized businesses and nonprofits identify compliant, practical opportunities to:
Improve cash flow
Reduce expenses and increase operational efficiency
Support employee retention
Since 2022, we’ve worked hands-on with businesses to evaluate real-world cost-saving and cash-flow solutions.
We connect you with established national program providers to surface opportunities that fit your business. When a solution aligns with your needs, the provider manages the process from start to finish.Our focus is reducing expenses, improving cash flow, and implementing solutions with minimal operational disruption.
FAQs
How do the programs work, and how long does it take to get started?
We begin with a short set of questions to understand your business. Based on your responses, we identify opportunities and connect you with the appropriate program provider. Timelines vary — some programs are implemented quickly, while others require additional time before results are realized.
Does my business qualify for these programs, and are there size or industry requirements?
Not every business qualifies for every program. Some programs have minimum thresholds or industry-specific requirements, while others are broadly applicable. Each business is evaluated individually, so you’ll know quickly which opportunities are a fit.
Is there a cost to participate, and are there any hidden fees?
There is no cost to explore opportunities through Retain & Reclaim. Individual programs may have fees, which are disclosed upfront by the provider. Participation is always optional, and once you enroll in a program, terms are governed by the provider agreement.
Am I guaranteed to save money, reclaim time, or improve employee morale?
No. Outcomes vary by business, and results cannot be guaranteed. Programs are reviewed for legitimacy and compliance, but we encourage consulting your internal professionals before making financial or operational decisions.
Does Retain & Reclaim get paid, and can I earn a referral fee?
Retain & Reclaim may receive compensation from program providers when businesses participate. We do not pay users or partners, though providers may offer compensation for referrals. We can facilitate introductions to providers if you or your network are interested in referral opportunities. Compensation does not influence which programs are reviewed or recommended.
Can I submit or suggest a service or provider?
Absolutely. We welcome suggestions for services or providers that could add real value. Submissions are reviewed to ensure alignment with our platform and practical, business benefits.
How is my information used, and is it secure?
Information submitted is used solely to identify appropriate opportunities and follow up as requested. Data is shared only as needed with program providers for eligibility or program evaluation and is never sold.
Who do I contact if I have questions?
You can reach us through the contact form on this site. Once connected with a program provider, they will be your main point of contact, as they are the experts in their field.
Expand Your Impact
Retain & Reclaim helps businesses save money, improve cash flow, and support operations. You can get involved in a few ways:
Suggest a service for the platform
Offer R&R programs to your network
Suggest a Service
Know of a service that could help businesses save money, reclaim time, or improve employee morale? Whether it’s one you provide, a provider you know, or an idea for something new, we’d love to hear from you.
Share a service you offer or a solution you wish existed
Suggest a complementary service from another provider
Every submission is reviewed for alignment with our platform
Only services that deliver clear, measurable value are added
Partner with Retain & Reclaim
Connect your network to proven R&R programs without managing the programs yourself.
Program providers handle administration, implementation, and ongoing support
Focus on introducing businesses to credible, effective solutions
Providers may reward you for facilitating connections with businesses
Supported by the R&R team throughout the process
Contact
Have a question or need guidance on a program?
Send us a message and we’ll point you in the right direction—or let you know quickly if a solution isn’t a fit. There’s no obligation and no pressure.
Preventive Care Benefit Plan
Employee turnover, rising healthcare and payroll costs, and increasing benefit expectations continue to put pressure on growing businesses.The Preventive Care Benefit Plan is a Self-Insured Medical Reimbursement Plan (SIMRP), not a fixed indemnity plan, meaning benefits are designed to complement existing health insurance, rather than replace existing insurance or provide fixed payouts.While the primary purpose of the program is compliant employee wellness benefits, the secondary outcome of the plan's structure under the Internal Revenue Code is reduced employer-side FICA taxes for eligible businesses — provided at no out-of-pocket cost.Unlike a one-time credit or rebate, savings are realized each payroll cycle. Employees receive benefits that stack on top of current coverage, while your business reduces payroll tax liability — all without changing payroll providers or payroll processes and without reducing employee take-home pay.Eligibility, setup, documentation, and ongoing administration are handled by a trusted program provider, ensuring the program is compliant, low-touch, and delivers measurable savings.
How It Works
Step 0 – Preliminary Eligibility
Your business must have at least 10 full-time employees (30+ hours/week). Final eligibility is confirmed by the program provider.
Step 1 – Discovery Call (30 min)
Speak with an expert from IronGate Business Advisors to review the program, discuss your business, and answer initial questions.
Step 2 – Submit Payroll Data (1–2 weeks)
Provide the requested payroll information so IronGate can analyze eligibility and estimate potential savings.
Step 3 – Review Proposal (4–5 days)
Receive a detailed proposal showing projected tax savings and employee eligibility.
Step 4 – Sign Engagement Letter (1–2 days)
Formalize participation by signing the service agreement.
Step 5 – Sign Carrier Paperwork (1–2 days)
Complete required insurance documentation for the employee wellness benefits.
Step 6 – Provide Additional Employee Info (3–5 days)
Submit any remaining census or employee data needed for enrollment.
Step 7 – Onboarding Townhall (30 min, 2–4 days)
IronGate hosts a Q&A session for employees to explain benefits and answer questions.
Step 8 – Realize Savings (7–14 days)
The program goes live, benefits are active, and payroll tax savings begin being applied each payroll cycle.
Key Benefits
For Your Business
FICA Payroll Tax Savings – Reduce employer-side payroll taxes each cycle without changing payroll processes.
Immediate Impact – Savings realized each payroll cycle once the program is live.
No Out-of-Pocket Cost – Implementation and administration are handled by IronGate.
Minimal Administrative Burden – Eligibility review, setup, and compliance are managed for you.
Compliance Guaranteed – Structured to meet IRS requirements and remain fully compliant.
Estimate Your Savings
Enter your full-time employee count to see estimated annual and monthly savings.
For Your Employees
Wellness Benefits – Stack on top of existing health insurance; designed to complement coverage rather than replace it.
Telehealth & Urgent Care – NO co-pay for unlimited urgent care visits, 12 mental health, and 12 physical health telehealth appointments per member annually.
Prescription Coverage – No copay for over 1,000 prescriptions.
Health & Wellness Programs – Weight management programs, MEC-compliant insurance, and for many employees, a whole life insurance policy.
Coverage for Dependents – Benefits extend to up to six dependents including spouses.
Cost – Delivered at no out-of-pocket cost to employees – many actually see a slight increase in their net pay.
Is This Program Right for Your Business?
A good fit if you:
Have 10+ full-time employees (30+ hours/week)
Desire predictable, ongoing payroll tax savings
Prefer benefits that employees actually use
May not be a fit if you:
Have fewer than 10 full-time employees
Are looking for a one-time tax credit
Want to replace existing health insurance
FAQs
Eligibility & Getting Started
Who is eligible for this program?
Businesses must have at least 10 full-time employees (30+ hours per week). Final eligibility is determined by IronGate after reviewing of payroll and employee information.
Do I need to change payroll providers?
No. The program works alongside your existing payroll provider and does not require changing systems or processes.
Employee Benefits
What wellness benefits are included for employees?
Benefits are provided through a Self-Insured Medical Reimbursement Plan (SIMRP), which *complements existing health insurance rather than replacing it. This is not a fixed indemnity plan. Coverage includes no copays, telehealth for urgent care, physical and mental health, prescription coverage, wellness programs, and for many employees, a whole life insurance policy.
Do the benefits cover dependents?
Yes. Benefits can extend to up to six dependents, including the spouse.
Do employees have to pay anything or lose take-home pay?
No. Benefits are employer-sponsored, provided at no out-of-pocket cost, and never reduce employee take-home pay, but often increase it.
Program Mechanics & Process
How does the program reduce FICA payroll taxes?
The program leverages qualifying employee wellness benefits that allow eligible businesses to reduce employer-side FICA taxes under the Internal Revenue Code. IronGate evaluates eligibility and ensures compliance.
Savings & Estimates
Is this a one-time savings program?
No. For eligible businesses, savings are ongoing and applied each payroll cycle once the program is active.
How much can I expect to save, and how are savings calculated?
On average, eligible businesses save approximately $1,100 annually per enrolled employee. The savings calculator on this page provides a high-level estimate; final savings are determined by IronGate after reviewing payroll and employee information.
Discover Card Settlement Recovery
Recover money your business may be owed from the $1.2 billion Discover Card settlement.
Many businesses miss out because they aren’t aware or the process feels overwhelming.
If your business accepted Discover payments at any time between 2007–2023, you may be eligible to recover overpaid interchange (swipe) fees.
We make it simple to submit your claim and ensure you receive the funds you’re entitled to.
Available to US-based businesses only.
How It Works
Step 1 – Complete the Settlement Claim Form
Fill out the official IronGate Business Advisors claim form for the settlement. This form collects only essential information:
Contact info: Name, email, and phone number
Business details: Legal name, DBA (if applicable), business address, TIN/EIN
Operational info: First year accepting credit cards, current W-2 employee count, signatory title
Additional businesses: Submit claims for other affiliated or independent businesses with the same signatory
Important: Claims can be submitted for businesses or TINs that are no longer operational, merged, or bought out — as long as the TIN was retained.Most historical payment data is already provided by Discover, no need to gather old records.
Step 2 – Review and Sign the Engagement Letter
Authorize IronGate, our trusted provider, to process your claim. This letter notifies you of the 25% success fee, applied only to the funds recovered (not the total approved settlement amount).
Step 3 – IronGate Handles the Filings
IronGate, manages all communications with the claims administrator and submits your claim.
Step 4 – Wait for the Outcome
Claims filing closes May 18, 2026.
After court approval, funds typically begin being distributed around 12 months later.
Amounts may differ from the approved claim due to pro-rata calculations.
Key Benefits
Recover funds your business is owed — Reimbursements for overpaid interchange fees
Minimal effort required — IronGate, handles the filings and communications
No records to gather — Discover provides historical transaction data
Eligibility for legacy businesses — claims can be submitted for merged, acquired, or inactive businesses by the current owner of the TIN.
FAQs
Eligibility
Is my business eligible?
US-based businesses that accepted Discover Card payments between 2007–2023 may qualify. Eligibility is verified during the claim process.
Can I submit claims for multiple businesses/TINs?
Yes — the claim form allows submission for additional businesses or TINs under the same signatory.
What if my business no longer exists or was merged?
Claims can be submitted for any TIN retained, even if the business has closed, merged, or been acquired.
Cost & Payout
Are there any upfront costs?
No — a 25% success fee, is deducted from the funds actually received, not the approved amount.
Will I receive the full amount I am approved for?
Not necessarily — the approved amount is the maximum. Funds are calculated pro-rata after the claims filing period and court approval.
Process & Timing
How long until I receive funds?
The claims filing period closes on May 18, 2026. Funds typically begin being distributed around 12 months later, but there is no guaranteed timetable.
Do I need to provide transaction records?
No — most historical payment data is already provided by Discover.
Business Rewards Program
Most business owners don’t realize how credit card rewards are funded.Cash back, points, and miles offered to consumers are largely supported by interchange fees built into card transactions. Businesses accept those fees as part of doing business — gaining customers while indirectly supporting and funding those rewards.The Business Rewards Program offers a different approach: qualifying businesses can earn rewards tied to their own merchant account activity — while maintaining compliant, transparent payment processing.Turn everyday payments your customers make into meaningful rewards for your business.Participation requires compatible credit card processing. When structured correctly, the program can:
Offset costs
Improve cash flow
Create an additional benefit stream tied directly to business activity
U.S.-based businesses only.
How It Works
Step 0 – Verify Eligibility
Businesses must be U.S.-based and process an average of approximately $15,000+ monthly in card transactions.
Step 1 – Complete the Processing Application
Submit the On Point Payments (OPP) application with basic business and processing information.
Step 2 – Upload Recent Merchant Statements
Upload PDF copies of the two most recent months of merchant processing statements. These are used solely for cost analysis and program qualification.
Step 3 – Review & Program Walkthrough
Meet via Zoom with OPP for a cost analysis discussion and program walkthrough, including how rewards are earned, pricing structure, and processing cost savings.
Step 4 – Transition Processing
If you choose to move forward, sign the processing agreement and securely provide standard onboarding items (driver’s license, bank info).Processing transitions to OPP powered by MiCamp Solutions, enabling compliant reward tracking and point generation.
Step 5 – Processing & Rewards Points Go Live
Eligible card transactions automatically generate reward points for your business.
Step 6 – Redeem Rewards
Points can be redeemed for a wide range of options, including gift cards, tech, luxury items, and travel experiences.
Key Benefits
Earn rewards from eligible card transactions — for your business, not your customers.
Rewards accumulate automatically based on eligible card transaction volume.
Reduce net processing costs while generating rewards with compliant pricing.
Seamless integration — no operational changes or extra work required.
Additional Operational Benefits
No Contracts – Simple, transparent, and hassle-free.
FREE, state-of-the-art payment terminals — advanced, reliable payment technology
Next-day funding for improved cash flow
24/7, live, personalized U.S.-based customer support — no phone trees, AI chatbots, overseas call centers, or scripted responses, known by your name and not a merchant number
Compliant transition to cash discount pricing
Is This Program Right for Your Business?
A good fit if you:
Process consistent card volume averaging $15,000+ monthly
Want to reduce net processing costs compliantly
Like the idea of earning rewards tied directly to business activity
Are open to switching processors for operational upside
Prefer transparent, compliant structures
May not be a fit if you:
Process low (less than $15,000) monthly volume
Are unwilling to change processing providers
Prefer to absorb all card fees internally
Are looking for short-term incentives rather than ongoing rewards
Are seeking consumer-style points or gimmicks
Operate outside the U.S.
FAQs
Eligibility
Is my business eligible?
Only U.S.-based businesses using qualifying credit card processing may be eligible. Eligibility depends on processing volume and is verified before enrollment.
Does this require credit card processing?
Yes. The Business Rewards Program is directly tied to compatible payment processing and cannot be implemented without it.
Are there upfront costs?
No. There are no upfront costs. Program details and economics are fully disclosed before setup. Nothing is implemented without your approval.
Are there contracts or long-term commitments?
Most businesses are able to process with On Point Payments contract-free and can cancel at any time under simple, transparent terms.
Customer Impact
Will my customers see anything different?
No. The customer experience remains unchanged.
Do customers still earn rewards on their credit cards?
Yes. Customers continue using their cards as normal. The program does not affect cardholder rewards.
Is this a rewards program for my customers?
No. This program is designed for the business to earn rewards, not the customers.
Is this the same as consumer credit card rewards?
No. This is a business-focused rewards structure tied to merchant processing activity, not consumer card usage.
Is this the same as surcharging?
No. This program uses a compliant cash discount pricing model, which is different from surcharging and is legal nationwide when implemented correctly.
Rewards Details
How are rewards calculated?
Rewards are generated automatically based on eligible customer card transaction activity once processing is live.
What can I do with the rewards I earn?
Business owners use rewards in different ways — some keep them personally, some use them to reward employees, and others use them for promotions or giveaways.
Processing & Transition
Will switching processors disrupt my business?
The transition is designed to be smooth, with guided onboarding, provided equipment, and live U.S.-based support throughout the process.
Business Funding
We help U.S.-based businesses explore funding options by connecting them to a trusted, third-party lending platform.Whether you’re seeking working capital, equipment financing, or growth funding, this process is designed to be straightforward and streamlined.You submit your information via the Lendefied portal, and they manage the process — from pre-qualification through application evaluation and potential funding options.There’s no obligation to accept any offer, and you remain in control of your business’s financial decisions throughout.
How It Works
Step 1 – Submit Basic Business Information
Complete a short form through the Lendefied platform with basic details about your business and funding needs.
Step 2 – Platform Review & Matching
Lendefied reviews your information and matches your business with potential financing options from its lending network.
Step 3 – Review Available Options
If options are available, you can review terms and decide whether any make sense for your business. There is no obligation to proceed.
Step 4 – Funding (If You Choose to Move Forward)
If you accept an offer, Lendefied coordinates the remaining steps directly with the funding provider.You remain in control throughout the process. We do not handle applications or funding — Lendefied manages everything securely on their platform.
Key Benefits
Access to Multiple Financing Options – Explore potential funding offers through a single, streamlined platform.
Fast, Efficient Process – Submit one form and avoid repetitive applications or lender shopping.
Fee-Free Application & Educational Support – Lendefied provides guidance and insights throughout the process at no cost.
Optional Fractional C-Suite Services – Businesses that successfully fund may receive complimentary access to 4 hours/month of fractional executive support for 12 months.
You Stay in Control – All decisions are yours, from application to acceptance.
U.S.-Based, Compliant Platform – Designed for U.S. businesses and operated within applicable guidelines.
Is This Program Right for Your Business?
A good fit if you:
Need working capital, equipment financing, or expansion funding
Want a centralized application reviewed by multiple lenders
Prefer a U.S.-based funding platform
Are comfortable working directly with a third-party lender
May not be a fit if you:
Are not currently seeking funding
Operate in restricted industries (legal practices, nonprofits, flea markets, religious entities, bail bonds, collections agencies, or day-one startups)
Are a brand-new startup with no operating history
FAQs
Application & Process
Do I apply through you?
No. You submit your information directly through Lendefied’s secure platform. We do not handle applications or funding.
How long does the process take?
Timelines vary by application and funding type. Some decisions may be quick, while others may take longer depending on documentation and lender review.
Funding Options & Amounts
What types of funding are available?
Depending on eligibility, Lendefied may present options such as:
SBA Loans
Term Loans
Business Lines of Credit
Business Cash Advances
Equipment Financing
Commercial Real Estate Loans
Accounts Receivable Financing
B2B Revolving Credit Facilities
Other business funding products
Funding availability depends on your business’s financial profile and lender criteria.
How much funding can I qualify for?
Funding amounts vary based on your business financials, credit profile, and lender criteria. Lendefied determines eligibility and presents available options.
Costs, Control, & Eligibility
Are there upfront costs to apply?
Lendefied provides fee-free application support and educational guidance throughout the process.
Do you influence approval, rates, or terms?
No. All approvals, pricing, and funding decisions are made solely by Lendefied and its lending partners.
Is this available nationwide?
Yes. Lendefied works with businesses across the United States.
Are there any additional benefits?
Businesses that successfully fund through Lendefied may receive complimentary fractional C-suite services — 4 hours/month for 12 months.
Which industries are not eligible?
Some industries are restricted, including legal practices, nonprofits, flea markets, religious entities, bail bonds, collections agencies, and day-one startups. Eligibility is confirmed during the application process.
Disclaimer
Retain & Reclaim provides information about programs and services that may help businesses save money, improve cash flow, and support operations. We may receive a commission or referral fee from third-party programs recommended on this site. All information is for general educational purposes and is not legal, tax, or financial advice.Participation in any program or service is at your discretion, and outcomes may vary. Retain & Reclaim is not responsible for actions taken by third-party providers or the results of their programs. Always consult qualified professionals before making business or financial decisions. By using this website, you acknowledge and accept these terms.© 2026 Retain & Reclaim
Privacy Policy
Effective Date: 1/1/2026Retain & Reclaim (“we,” “our,” or “us”) respects your privacy and is committed to protecting the information you share with us. This Privacy Policy explains what information we collect, how we use it, and how we protect it.Information We Collect
We may collect limited personal information when you:
Complete a form on our website
Contact us directly
Request information about our services or partnerships
This information may include your name, email address, business name, and any details you choose to share.How We Use Information
We use the information you provide to:
Respond to inquiries and requests
Evaluate whether services or partnerships may be a fit
Communicate relevant information related to your inquiry
We do not sell or rent your personal information.Third-Party Services
We may use third-party tools (such as form providers or scheduling tools) to collect and manage information. These providers only receive the information necessary to perform their services and are expected to handle it securely.Any programs or services discussed or offered through our platform may be administered by third-party providers. Information shared with those providers is subject to their own privacy practices.Data Security
We take reasonable measures to protect the information you share. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.Your Choices
You may choose not to provide certain information, though this may limit our ability to respond or assist. You may also request that we update or delete your information by contacting us.Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.Contact Us
If you have questions about this Privacy Policy or how your information is handled, you may contact us at:
[email protected]