With over $1 billion secured, Adesso Capital helps keep businesses in business.

Adesso Capital empowers entrepreneurs to get to the next level — whether they're starting a business, growing it, or somewhere in between. Thousands of business owners across the country have trusted Adesso to help fund their dreams with government relief programs or financing options like term loans, lines of credit, and SBA loans. 

Adesso takes the complexity out of taxes and accessing capital so that entrepreneurs at any stage can thrive.
The Rhode Island Hospitality Association
is proud to partner with Adesso Capital to support small businesses.

Since 2007, Adesso has been helping small business owners access the funds to run and grow their business.

Less than half of small businesses have their financing needs met. We work every day to change that.

What does Adesso offer?

Through our network of bank and private lender partners, we work hard to find the best source of financing to meet the unique needs of each client.
Whether your business needs $10K or over $1 Million, our experience team guides each client through the process and works hard to secure them the best financing options. And one easy application enables our team options from our network of trusted bank and lending partners.

Ten Minutes Can Get You $10,000

Our easy application connects you with a wide network of lending partners, so you know you're choosing the best financing option for your small business.

If your employees earn tips, You can earn tax credits.

The FICA Tip Credit offers a unique advantage for those in the food and beverage sector by allowing employers to get tax credits for tips your employees earn.

How can I tell if my business is eligible for Tip Tax Credit?

Eligible businesses can get a credit for certain Social Security and Medicare taxes (known as FICA taxes) that are paid on tips employees earn.

With Tip Tax Credit by Adesso, eligible businesses can get back all the FICA taxes paid on tip earnings that surpass the federal minimum wage. This translates to a credit for all the tips employees report.
Restaurant & Bar Owners:

Did you know your employees’ tips can get you money back from the IRS?

Get started now

How can I tell if my business is eligible for Tip Tax Credit?

Tip-Driven Business:
You operate a bar, restaurant, or other tip-driven business.
Tip-Driven Service:
The services offered by the business, like serving or delivering food, should typically involve receiving tips from customers.
Tips Documented as Wages:
These tips should have been documented as wages, and the appropriate FICA taxes should have been paid on them.

Did you know you may be owed a cash refund on taxes you already paid?

Despite the recent IRS pause, deadlines for ERC filings remain the same. It's time to see if your business is eligible.

What is the Employee Retention Credit?

It’s a cash refund on taxes you already paid. The Employee Retention Credit (ERC), is a retroactive tax credit that rewards businesses for keeping at least 2 employees on payroll through 2020 and 2021. This government funded program was passed through the CARES Act.
As of September 2023, the IRS has put a temporary hold on processing new ERC applications. What does this mean for you?
Learn More About the IRS Hold

ERC Quick Facts

Let our team of financial experts do the work

Provide all needed information through our Online Application.
Start Your ERC Application
Start Your Lending Application
Your dedicated Adesso financial specialist will guide you at every turn.
Adesso handles all communications and follow-up, leaving less work for you.
You receive your check in the mail.

Why Trust Adesso?

Experienced Professionals
Our team of financial specialists and CPAs are experts at working with small businesses and are well-versed in the unique needs of businesses like yours.
Provide all needed information through our self-guided online application—but know your dedicated financial specialist will guide you through every step of the process.
Trusted by State Partners
Adesso Capital is proud to partner with state industry associations in over 40 states to help their members meet their financial goals
Audit Protection
We take compliance and qualifications seriously. Our CPAs verified all applications can be backed by verifiable documentation, and we will stand behind any ERC filings with free audit protection.

Adesso Client Success Stories

Interior Design

Memphis, Tennessee
FUNDING: $38,030
I wouldn’t work with anyone but Adesso Capital. They made filing my ERC so much easier. I will always use them in the future and recommend them to my family and friends.

Sports Bar

Sacramento, California
FUNDING: $178,773
I had been putting off applying for the ERC because, like many business owners, I was overwhelmed with staffing and operational challenges. It was immediately evident that Adesso Capital is accustomed to assisting small business owners. The entire process was streamlined, and they guided me through every step.


New York, NY
FUNDING: $222,391
Adesso Capital opened my eyes to the Employee Retention Credits that were available for my business. They made the process simple and were very professional. With their help, getting these credits will be a vital part of our covid recovery.


Lone Pine, California
FUNDING: $182,522
Working with Adesso Capital was one of the easiest and most efficient processes I have ever been involved in. They were professional, quick, and able to find ERC tax credits we weren't even aware we were eligible for. I can't stress enough how easy it is to let them take a quick look and see what they might be able to do for you, you'll be happy you did.