Most restaurant operators are losing $3,000 to $15,000 per year in rewards they never collect. Not because they spend too little. Because nobody ever mapped their spending to the right cards.
You're running a tight operation. Food costs, labor, rent. You're watching every line item. But your credit card strategy? That's probably costing you more than your linen service.
Putting $30K/month through a single 1.5% cash back card instead of a 4x dining card and a 3x travel card doesn't feel like a mistake. It costs you $900+ per month in missed points.
A single Amex Business Platinum sign-up bonus is worth $1,500–$2,000 in travel. Most operators either don't know they qualify or assume it's complicated. It's not. It takes one application.
Rewards programs that go inactive. Annual credits that expire unused. Transfer partners that would have tripled the value. Nobody told you. Now they're gone.
A done-for-you credit card audit built specifically for hospitality operators. We map your spend to the right cards, identify what you've missed, and hand you a clear action plan — delivered in 48 hours.
60-minute intake call. We review your current card portfolio, monthly spending by category, and any rewards programs you're already in. You bring statements. We bring 22 years of operator experience.
We build your personal card-to-category spending map. Which card goes on food costs. Which card goes on travel. Which card should be in your wallet right now that you don't have yet.
You receive a full written report: what to keep, what to cut, what to add, and your estimated annual recovery value. Then 30 days of follow-up support via email while you implement.
Capital Recovery is a complete engagement. Not a PDF. Not a course. A working session followed by a written plan you can act on immediately.
A live working session with Geoffrey. You walk through your current cards, monthly spend by category, and any existing rewards you're tracking.
Which cards to keep. Which to close. Which to add. Every recommendation is specific to your business — not a generic guide.
A clear, one-page reference: which card to use for food costs, supplies, travel, utilities, and everything else. No more guessing at the register.
Every sign-up bonus you still qualify for, ranked by value. Includes application strategy so you don't accidentally trigger a denial.
A projected dollar figure of what you'll capture in year one by implementing the plan. Most clients see 5x–12x return on the $1,200 investment.
Questions while you implement? Send them over. Geoffrey responds within 24 hours. You're not on your own after the report lands.
Based on typical hospitality spend patterns. These aren't projections — they're what operators recover once they have the right cards assigned to the right categories.
Recovery potential includes optimized spend allocation, sign-up bonuses, and annual credits. Estimates vary by card selection and spending mix. Your audit report will include your specific numbers.
Capital Recovery is a single engagement. You pay once, get the full audit, implement the plan, and collect the rewards for years. The average client recovers the fee in under 60 days.
Book Your Discovery CallOne-time · Delivered in 48 hours
Capital Recovery was built for restaurant and hospitality operators, but the approach works for any business owner with significant monthly spend across multiple categories — food, travel, supplies, utilities. If you're spending $5,000/month or more on business expenses and using fewer than three cards, you're likely leaving money behind.
The last 2–3 months of statements for every credit card you use for business. A rough breakdown of your monthly spend by category (food, supplies, travel, utilities) — even a napkin estimate works. A list of the cards you currently hold. That's it. Geoffrey handles the rest.
The audit itself has zero impact on your credit. If the plan includes applying for a new card, we'll walk through the strategy for minimizing hard inquiries and sequencing applications so you capture the bonuses without any unnecessary dings. Your report will include specific guidance on this.
Good — that's more data to work with. Most clients who come in with an existing card portfolio are using the right cards in the wrong categories, holding cards with annual fees that no longer make sense, or sitting on points they haven't touched in two years. The audit identifies all of it.
If your audit report doesn't identify at least $1,200 in recoverable value in the first year, Geoffrey will refund the fee in full. No paperwork. No questions. The math has to work in your favor or you don't pay.
We'll take a quick look at your current setup and tell you, honestly, whether Capital Recovery makes sense for your business. No pitch. No pressure. Just the numbers.