For restaurant owners
Accounting & Tax for Restaurant Owners
Restaurant accounting is its own discipline: tip reporting, FICA Tip Credit, food-cost tracking, labor compliance, multi-unit consolidation, lender-ready WIP for expansion. Most generalist accountants understand none of it. We've built the playbook.
Your partner replies within one business day · year-round access · fee-only, no kickbacks
Sound familiar?
Where your current setup is falling short.
- Your locations run on different POS systems with no consolidated reporting, and no comparable P&L across units
- You're missing the FICA Tip Credit entirely; that's $5K–$50K+/year of credit you've never claimed
- Multi-state payroll is a mess: tip credit rules differ by state, certified payroll on any government work, unemployment rates vary
- Food cost is being tracked manually and inconsistently, so you don't know weekly food cost % per location
- Lender wants WIP, owner draws are happening informally, and you need bonding for the next location
- Cash control procedures are weak, and the IRS knows restaurants are a high-audit category
What we'd do for you
The plan, tailored to your situation.
Identical chart of accounts across every location
Same revenue categories, same food/labor splits, same daypart tracking, so locations are actually comparable.
Consolidated monthly close with location-level P&L
Per-location food cost %, labor cost %, prime cost, and contribution margin, all comparable and reportable.
FICA Tip Credit claimed every year
Form 8846 filed with the return. We review the prior three years for missed credits. Often $20K+/year recovered.
Multi-state payroll on a single platform
Tip credit calculations correct per state, certified payroll where required, unemployment rates managed.
Cash control procedures documented
POS-to-deposit reconciliation, owner draw protocols, tip reporting compliance. Audit-defense ready.
Expansion-ready financials
Lender packages, WIP schedules for build-outs, bonding-ready financials for multi-unit growth.
Ready to see what this looks like for your business?
Tell us about your specific situation and we'll scope a plan tailored to your needs, fixed monthly fee, no per-question billing, one-business-day response.
What a typical engagement covers
- Bookkeeping with per-location class tracking
- Monthly close with location-level P&L and consolidated rollup
- Multi-state payroll with tip-credit compliance
- Business tax with FICA Tip Credit (Form 8846)
- Quarterly fractional CFO check-ins on food/labor metrics and expansion planning
Every engagement is scoped to your business. Single service or full stack, we'll recommend the right level of support and quote a fixed monthly fee within 48 hours of an intro call.
See the full service catalog: Services overview · The full financial stack
What you can count on
Three commitments, written down.
CPA-signed accuracy guarantee
If a return signed by Rubric Financial triggers a math-error notice, we fix it and pay the resulting IRS penalty, subject to your engagement letter's terms. CPA review on every filing.
One-business-day response
Your partner replies within one business day, and there's no per-question fee. Year-round access, not just tax season.
Fee-only, no kickbacks
We don't sell insurance, annuities, or investment products. Our only revenue is your monthly fee. No conflicts.
Tell us about your business.
We'll propose a plan tailored to your situation, fixed monthly fee, scoped to your needs, no surprise add-ons.