We check your last 36 months of payroll for money missed across SUI, Workers' Comp and FICA. If we find nothing, you pay nothing. If we find recoverable money, we verify it and build the correction-ready package. You collect first. We earn 30% after recovery.
⚠️ 36 months is as far back as IRS, SUI, and WC corrections can go — that's why it matters to review now. Window closes.
SOC 2 · Read-only · No payroll switch · Secure Finch connection · No finding, no fee
SUI LEAK
Did payroll charge the rate and wage base actually assigned?
WC LEAK
Do payroll wages and job duties match the carrier classification?
FICA LEAK
Do reported taxable wages reconcile across payroll and tax filings?
finch.infiniteoptimize.run — live · 36mo
LIVE PAYROLL FEED — SYNCED — 36 MONTH REVIEW
Illustrative $250K/mo payroll — Gusto — verified · 36-month window = $9M payroll reviewed
Gross Payroll / This cycle
Gusto — verified via Finch
$250,000.00
SUI Overpayment — Verified
State rate vs payroll-applied · 36-mo
+ $4,200/mo
WC Misclass — Verified
Class 8810 vs 8742 · Mod mismatch
+ $2,800/mo
FICA Overreported — Verified
941 vs W-2/W-3 · IRS letters
+ $1,125/mo
3-Year Recoverable
SUI + WC + FICA — 36 months
$292,500
You Keep 70%
30% only after recovery
+$204,750
📅 CALENDAR — FAST FLOW: INTAKE → REFUND — 36MO WINDOW
Day 1
Connect
60 sec Finch
Day 1-2
Verify
10-20m fast
Day 2-4
Packet
50-state ready
Day 14-90
Paid
You collect
36 months is max correction window for IRS/SUI/WC — beyond that, recovery is lost.
EXPLORE THE 3 LEAKS — 36 MONTH CORRECTION WINDOW
Your payroll stays. Nothing changes.
Read-only Finch connection gives Infinite Optimize the payroll data needed to begin the 36-month review.
✓Read-only
✓No payroll switch
✓No WC broker change
Finch payroll data: 15 months available instantly — payroll runs, wages, taxes, deductions, job codes. Historical documents extend to 36 months — that's the max IRS/SUI/WC correction window.
Beyond 36 months, corrections generally cannot be pursued — money is permanently lost. That's why review now matters. If you did ERC, reuse that packet — fast 10-20 min, normal 24-72h.
Compare what payroll actually charged and reported against the records showing what should have happened — across the full 36-month correctable window.
SUI
Rate + wage base
State rate vs payroll
WC
Class + mod
Job duties vs carrier
FICA
941 vs W-2/W-3
Wages reconcile?
No verified finding = no fee.
36 months = max IRS/SUI/WC correction — beyond that, recovery lost.
SUI (36mo): 3x Rate Notices, 12x Returns, 12x Wage Reports vs payroll SUI charged. Rate misapplied or wage base overtaxed. State only allows correction back ~36 months — window closes.
WC (36mo): 3x Declarations, 3x Audits, 3x Payroll reports, 3x Mod, 3x Class Code vs payroll job codes. Carrier only corrects within audit period.
FICA (36mo): 12x 941s, 3x W2/W3, 3x tax summaries, IRS letters vs payroll tax filings. IRS 941-X generally limited to 3 years — beyond that, overpayment cannot be recovered.
Once a recoverable finding is verified within the 36-month correctable window, Infinite Optimize builds the correction-ready evidence package.
SUI
2–4 weeks
Typical
WC
~30 days
Typical
FICA
Up to ~90 days
Typical
You keep 70%. We earn 30% after recovery.
Why now? 36-month IRS/SUI/WC window is closing — beyond that, money is gone.
Infinite prepares package: SUI/WC forms specific to your state, 941-X prep for FICA — from pre-built templates covering all 50 states, for the 36-month correctable period.
Client / payroll provider / CPA / licensed professional handles submission. Recovery — refund, credit, premium adjustment — goes to client first. Infinite bills 30% afterward. Beyond 36 months, IRS/SUI/WC generally cannot correct — review now preserves recoverable window.
Payroll stays. Profit starts. 36-month review.
36 months is max IRS, SUI, WC can be corrected — beyond that, recovery is permanently lost.
No verified finding, no fee. You collect first.