Still paying full payroll tax, guessing on your benefits package, or turned down for financing?
You don't have time to vet forty vendors to find out. B2BConnector already has: we match you with pre-vetted national partners for tax savings, benefits, and financing, at no cost to you.
Trusted by organizations served through our national vendor partners
How many hours has your team already spent comparing vendors this year?
Most business owners we talk to have never actually run the math on what full research and vetting would cost them in time. We've done it once, at scale, so you don't repeat that work: every partner in our network is already vetted for compliance, reliability, and results.
Which of these already applies to your business?
Every program we bring you falls into at least one of these three buckets, see which one describes your situation right now.
Some of our programs cost you nothing out of pocket, ever
Some reduce what you're already spending on benefits or services
Some create real payroll tax savings, verified compliant
Three ways to fix what's likely costing you the most right now
If you're not sure whether you're overpaying on payroll tax, this closes that gap, plus adds wellness benefits like telemedicine and mental health support, at no added cost.
Visit BizCare360
If your benefits package isn't strong enough to win the hire you want, this builds one that competes, without a full-time HR hire.
Visit BizBenefits360
If a bank has said no or offered terms that don't fit your cash flow, this matches financing to your actual revenue.
Visit BizLending360Companies are discovering real value
“B2BConnector truly cares about our business success. Their health program saved us money and improved employee morale.”
“Their team guided us through the process and made financing easy. Truly a valuable partner.”
“Equipment financing with B2BConnector was seamless and tailored to our needs, highly recommend!”
“Professional, knowledgeable, and dedicated team. B2BConnector exceeded our expectations.”
You already know if one of these applies to you.
The only real cost is finding out on your own timeline instead of ours. Book a 15-minute call, we'll tell you plainly which programs fit, and just as plainly if none do.
Tired of being the one who has to research every vendor, read every contract, and hope you picked right?
That's the job we took off your plate. Instead of you vetting providers on your own, we already have, and we bring you only the ones that fit, at no cost to you.
Why businesses work with us
-
We already did the vetting Every partner in our network has been evaluated for compliance, reliability, and results before we bring them to you.
-
One relationship, multiple solutions BizCare, BizBenefits, and BizLending, coordinated through a single point of contact instead of three separate vendors.
-
No obligation to start We'll tell you plainly if a program isn't a fit for your business. Our value is in the match, not in pushing a product.
Who we serve
Whatever your industry, if you run payroll and have employees, this conversation is worth having. We already work with organizations like state governments, educational institutions, healthcare systems, and major law firms, alongside businesses far smaller than that.
Not sure which of these three is actually costing you the most?
Payroll tax, benefits, or financing, each is delivered through a vetted national partner, and we stay involved so you're never handed off and forgotten.
BizCare
BizBenefits
BizLending
Payroll Tax Savings & Wellness
If you've never had your payroll tax structure reviewed for legal savings, this is that review: a compliant program that lowers your tax burden and adds wellness benefits like telemedicine, mental health support, and preventive care, at no added cost.
Visit BizCare360
Employee Benefits
If your current package isn't winning the hires you want, this replaces it with a genuinely competitive one, covering health, wellness, and supplemental options, without straining your budget.
Visit BizBenefits360
Business Lending
If a bank has turned you down or offered terms that don't fit your cash flow, this connects you to financing partners covering working capital, equipment, and expansion needs, matched to your actual revenue and repayment ability.
Visit BizLending360Not sure which service fits your business?
Tell us a bit about your business and we'll point you to the right one, or tell you if none of them apply yet.
Frequently Asked Questions
Straight answers about how BizCare360's no-net-cost health program works, who qualifies, and what it means for your business and your employees. Jump to the section you actually need: is it legitimate, do you qualify, or what happens after you sign up.
Is this legitimate?
This sounds "too good to be true"?
We understand, it's only natural to question something that offers substantial benefits with no net cost to you or your employees. However, our program is a legitimate health program focused on prevention and it is possible through a little known Affordable Care Act (ACA) regulation and the IRS Section 125 Cafeteria Plans. This is what makes this program possible and available to businesses and their W-2 employees at no net cost.
How do I know this type of plan is compliant?
Short answer: yes, and here's the plain-English version. It's a Self-Insured Medical Reimbursement Plan built on IRS Section 125 pre-tax rules, paired with an ACA-approved medical plan, and reviewed against every relevant IRS, ERISA, HIPAA, and ADA requirement.
Read the full code-by-code breakdown
The program was purposely created, fully researched, and found compliant with IRS 213(d), 106(a), 105(b), 1.105-11(i), and 104(a)(3) codes, and all applicable IRS memos, ERISA regulations, HIPAA, and the ADA.
Medical services are a key component and are paired with an ACA-approved medical plan to make an integrated 105 plan. Deductions for the plan are pre-tax eligible.
The deduction of plan cost from an employee's gross wages is addressed by IRS Code 106(a). The Office of Chief Counsel Internal Revenue Service Memorandum (Number: 201703013, Dated: 1/20/2017) states that the value of coverage by an employer-provided wellness program that provides medical care (as defined under §213(d)) is generally excluded from an employee's gross income under §106(a).
The pre-taxing of this deduction, made possible under a Self-Insured Medical Reimbursement Plan and a Cafeteria Plan (§125), creates the reduction of taxable income, generating savings for the employee and the employer.
Wouldn't companies have tax advisors that are helping them with this?
This is a specialized area most generalist CPAs and HR teams haven't studied in depth, not a flaw in your advisor, just a different specialty. We'd rather you loop your CPA in and have us answer their specific questions directly than ask you to take our word for it.
Does my business get any benefits from offering this plan?
Absolutely yes! In addition to taking care of your employees, increasing retention, reducing sick days, and making your company more attractive to new hires, you will see an average savings of $600 per employee per year on your FICA tax bill. Additionally, you could also save on workers comp costs.
Does my business qualify?
Who qualifies for this plan?
Businesses with a minimum of 25 W-2 employees, who work full-time (at least 30 hours per week), and who earn a minimum of $26,000 annually.
Will this health plan affect our existing health insurance coverage?
No, our program is designed for seamless integration with your current health benefits program, or as a stand-alone plan if you are not offering healthcare to your employees.
Are my employees' family members covered under this health program?
Yes, eligible family members of enrolled employees also have access to these health program benefits.
Do employees need to change their current doctors?
No. If they currently receive care and choose to remain enrolled in their current health plan, they do not need to make any changes.
If employees do not have current medical coverage, the MEC (Minimum Essential Coverage) plan included will allow them to see any doctor and use any urgent care facility in the Private Health Care System PPO network (PHCS), one of the largest PPO networks in America.
Does this health plan meet the definition of Minimum Essential Coverage (MEC)?
Yes.
Can employees access benefits throughout the United States?
Yes, our program's virtual healthcare services are accessible from anywhere in the United States.
What happens after I sign up?
How much does the health plan cost?
There is a cost for the items provided, however the cost comes out of tax savings, so there is no net cost to employers or employees.
Are there any out-of-pocket costs for my employees to use these benefits?
No, there are no costs for service, no claim forms, no co-pays, and no deductibles.
Does this program affect employee tax filings?
We are not accountants, but our program actually lowers your employees' taxable income when it is payroll deducted. Remember, there is a cost for this program, but the cost is covered by tax savings, so there is no net cost to the employer or employee.
Can we enroll any time?
Your initial enrollment will set an enrollment period for your company, which will be scheduled on the 1st to 10th day of the month after you accept the program. However, if you accept the program after the 15th of the month, your enrollment period will be scheduled for the 2nd month following. New employees can join the plan as hired.
How are my employees enrolled into this health program?
Our program provider educates your employees with the information they need about the program to make a great decision on benefits for themselves and their families. Our provider also conducts the enrollment of each employee, which makes no extra work for your HR department. In fact, the only thing we need from HR is a census report, and we have automated systems in place and a census team to make this fast and easy.
Are there any use requirements for my employees?
Employees need only use one service each year to keep their tax-deductible status. Every month, employees will receive push notifications, messages, text reminders, and emails providing them with important information about their plan benefits and information intended to help improve their health.
Are there any limits on the number of times an employee can use the plan services and benefits?
No, members can access their program services and benefits as frequently as needed, with no annual limits.
Can my employees unenroll from the health plan at any time?
ACA rules state that, unless an employee experiences a Qualifying Life Event, an employee who enrolls in this health program will not be eligible to make changes to their program until the end of the plan year, which is your annual open enrollment period.
How do I enroll my business into this program?
The first step is to schedule your Discovery Call. This 15 minute Zoom goes over all the details, tax savings, and benefits of our program. Contact your Solutions Advocate or fill out the form on our Contact page and we'll get your discovery call scheduled. These benefit tax savings are not retro-active, so don't delay, reach out now!
Still have questions?
Schedule a short discovery call and we'll walk you through exactly how BizCare360 would work for your business.
Ready to find out if this actually applies to you?
Fifteen minutes on the phone tells you more than another hour of research would. Call, email, or fill out the form below, we'll respond within 24 hours.
Tell Us About Your Business
Join Our Team
Tired of a paycheck that doesn't move no matter how hard you work?
No Cost. No License Required. Training Provided.
Every business that runs payroll is a potential fit for what we offer, which means your pipeline isn't limited by us, it's limited by your effort. Solutions Advocates are 1099 contractors paid on monthly residual income: the harder you work now, the more your income compounds later.
If you have Business to Business sales experience and you're teachable, we want to talk to you. Reach out below and one of our Team Managers will be in touch.
Solution Advocate Application
Thanks for your interest! We're looking for motivated, experienced sales professionals who thrive on relationships and closing deals.
Answer these 10 questions to help us understand your goals and see if we’re a good fit.
Privacy Policy
Effective Date: 12/28/2024
1. Introduction
B2BConnector ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.
2. Information We Collect
- Personal Data: We may collect personally identifiable information, such as your name, email address, and phone number, when you voluntarily provide it to us.
- Usage Data: We may collect information about your interactions with our website, such as IP address, browser type, and pages visited.
3. How We Use Your Information
We use the information we collect to:
- Provide, operate, and maintain our website
- Improve, personalize, and expand our website
- Understand and analyze how you use our website
- Develop new products, services, features, and functionality
- Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
4. Sharing Your Information
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential.
5. Security of Your Information
We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable.
6. Your Data Protection Rights
Depending on your location, you may have the following rights regarding your personal data:
- The right to access – You have the right to request copies of your personal data.
- The right to rectification – You have the right to request that we correct any information you believe is inaccurate.
- The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
7. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.
8. Contact Us
If you have any questions about this Privacy Policy, please submit them on our .
Terms of Service
Effective Date: 12/28/2024
1. Introduction
Welcome to B2BConnector ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our services. By accessing or using our services, you agree to be bound by these Terms.
2. Definitions
- Service: The B2BConnector platform and related services.
- User: Any individual or entity using our Service.
- Content: All information, data, text, software, and other materials provided through the Service.
3. User Accounts
- Registration: Users must register for an account to access certain features. You agree to provide accurate and complete information during registration.
- Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4. Use of the Service
- Permitted Use: You may use the Service for lawful purposes and in accordance with these Terms.
- Prohibited Use: You agree not to use the Service for any illegal or unauthorized purpose, including but not limited to violating any intellectual property rights.
5. Fees and Payment
- Subscription Fees: Certain features of the Service may require payment of subscription fees. You agree to pay all applicable fees as described on our website. There are no subscription fees as of 12/28/2024.
- Payment Terms: All payments are due in advance and are non-refundable.
6. Intellectual Property
- Ownership: We retain all rights, title, and interest in and to the Service and its content.
- License: We grant you a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms.
7. Limitation of Liability
- No Warranty: The Service is provided "as is" and "as available" without any warranties of any kind.
- Limitation: To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use of the Service.
8. Termination
- Termination by You: You may terminate your account at any time by contacting us.
- Termination by Us: We may suspend or terminate your account if you violate these Terms or for any other reason at our discretion.
9. Changes to the Terms
We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on our website. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.
10. Contact Us
If you have any questions about these Terms, please submit them on our .