We lower the costs you thought were fixed, recover what you overpaid, and free the cash you set aside. Nothing about how you operate changes — same services, same suppliers, same volume. The number changes because it was never as fixed as it looked.
Whatever we find, and wherever we find it, the result reaches you as one of these three. Everything else is detail.
A cost you treat as fixed drops — same service, same suppliers, same volume. The money you'd already budgeted to spend is yours to keep.
Card processing · Utility bills
You were billed more than you should have been, sometimes for years. That comes back as a deposit — not a smaller outgoing, actual money arriving.
Workers' comp · Insurance claims
Money you'd already set aside — for a tax bill you no longer owe in full — stops being spoken for. Or capital comes within reach on your timing rather than a bank's.
Tax credits · Line of credit
Six specialist providers sit behind those three, and which ones apply to you is what the free check works out. You don't need to know that part going in.
Your bookkeeper and your CPA are doing their jobs correctly. Finding this money isn't one of them.
Every one of these comes down to the same thing: reading the raw data behind a bill and separating what the service actually costs from what is markup, mistake, or a rate you never needed to be on. Six places worth looking — you may qualify for one or several, and that's what the free check tells you. Where there's a size threshold, it's noted.
Your statement blends two very different things: the wholesale cost the card networks actually charge, and the markup your processor adds on top. It arrives as one set of totals, so nobody separates them.
What we do: Read the raw statement files line by line, across 47+ separate fee categories, pulling true wholesale cost apart from markup and billing codes you shouldn't be paying. We also make sure your transactions carry the extra detail that qualifies for wholesale business rates.
What you get: Our partners' audits typically return a 10–30% reduction in processing costs, plus cover against future rate creep.
Negotiated behind the scenes with your existing processor. You keep your setup — nothing changes operationally.
Worth checking if: you run $250k+ a month in card volume. Mostly B2B is even better.
Your premium is built from payroll records, job classification codes, and a rating factor that follows you for years. Every one is entered by hand, and the mistakes compound quietly.
What we do: Work back through up to 10 years of payroll and claim records for the errors that inflate a premium — closed claims still sitting open, a miscalculated rating factor, employees filed under higher-risk categories than the work they actually do. Your broker priced the policy forward; nobody checked the carrier's math backward.
What you get: A refund on premiums already paid and a lower rate from here. Our partners find that more than 90% of companies paying $100k+ a year have been overcharged, with corrections typically landing between $30,000 and $500,000+. They handle the carrier appeals.
Worth checking if: you pay $100k+ a year in workers' comp premiums.
Credits sit inside constantly shifting federal, state and local rules, and claiming one means proving it from your own payroll, HR, property and spending records. Most CPAs aren't set up for that work — not oversight, just scope.
What we do: Software cross-references your raw records against current tax rules to find what you qualify for, then documents it to an audit-ready standard. Covers the FICA tip credit, R&D credits, hiring credits worth $2,400–$9,600 per eligible employee, and cost segregation, which pulls building depreciation in from 39 years to 5, 7 or 15.
What you get: A smaller tax bill — which frees up cash you had already set aside to pay it. With cost segregation, most of that arrives up front rather than spread over decades.
Worth checking if: no size threshold here. It comes down to whether you own or improve property, do development work, or hire regularly.
For healthcare providers. Insurers return payment files complex enough that systematic underpayment goes unnoticed, and once a claim reads "paid in full" nothing looks at it again.
What we do: Load 12–24 months of your raw billing and payment files into a HIPAA-secure platform and model every payment against what your contracts actually required — line by line, including claims already closed as settled.
What you get: Our partner has found money on every audit completed to date, recovering an average of 10–20% of gross commercial payer receipts. No upfront fee.
Worth checking if: your top three insurers pay you $5M+ a year.
Utility pricing runs on old, complicated rate rules. The bill can be perfectly accurate and still be wrong — because you were put in the wrong rate class years ago and nobody revisited it.
What we do: Match years of billing history against the rate rules you should actually be on.
What you get: A refund for the overcharge, and a lower bill from then on.
Worth checking if: your utility spend tops $5M a year ($3M in NYC), or individual bills run over $15k a month.
Sometimes the need is right now and the savings arrive later. A line of credit puts capital within reach on your timing instead of a bank's — worth it when what you'd do with the money clearly outearns what it costs to hold.
What we do: Light paperwork and a short approval — usually under a week, not the months a bank takes.
What you get: Money available when you need it. Draw only what you use, pay it down early, pay less to carry it. Structured as a real loan, so the interest is a deductible business expense.
Worth checking if: you have a physical location or warehouse, $200k+ in annual sales, and reasonable personal credit.
About thirty minutes of your time. One door to all six providers, and we only get paid out of money that actually reaches you.
Sign a one-page authorization so we can request records on your behalf, then upload your recent statements and policies. That's your entire part in this.
Our specialists go through the records line by line, find what was charged incorrectly, and take it up with the provider directly.
You see a plain summary of what we found and what it's worth. Nothing is owed up front. Our fee comes out of what actually lands in your account — if nothing does, you owe nothing.
No fees, no retainer, no hourly billing. If we look and find nothing, that cost you a conversation and nothing else. We only get paid when money actually moves into your account.
How we get paid: The specialist firm that does the recovery pays us out of their share. We don't add anything on top of your rate — your cost is the same whether you come through us or not.
Each of the six areas is handled by a specialist firm that does that one thing and has done it for years — the results quoted on this page are theirs. UCRS is the front door to all six.
Going direct means finding them, vetting them, and sitting through six separate pitches — and you only learn whether you qualified after each one has finished selling. One conversation here replaces all of that, and you hear about the ones that fit rather than the ones with a quota.
Your time
~30 minutes
Then we handle
the rest.
The three things people ask before they say yes.
You won't have one. After about thirty minutes of getting us your statements and a signed authorization, you're done — we handle the review, the arguing with providers, and the follow-up. If your bookkeeper pulls the documents, your own time is closer to ten minutes.
They could try, and it wouldn't be a good use of them. Knowing whether your rate is right means knowing what comparable businesses are charged — which takes benchmark data your team has no way to see. It isn't a skill gap. It's an access gap.
Nothing you touch changes. With card processing, for example, you keep the same processor and the same equipment — the pricing behind it changes, and your day looks identical. Nobody has to switch vendors or learn anything new.
Tell us a little about the business and we'll tell you which of the six are worth checking. No cost, no commitment, and nothing changes about how you operate.
Thanks — Zalmy Kotlarsky will reach out shortly to set up your free check.
Automated — for anything else, call Zalmy