Top Coat Cash is a family, action, crime and drama movie. The movie opens as Johnny Thompson loses a vital MMA match in Vegas. Because of his unscrupulous dealings, he flees Vegas and returns to his hometown of Kansas City. Things heat up when Joe McCray, the bookie from Vegas, arrives in Kansas City with two of his lackeys to collect from Johnny. As this is occurring, Jason and Tom Perkins, a father son duo who operate a nail salon, are looking for partners to join in their daring bank heists after one of their partners is killed. Jason and Tom learn that Johnny, with whom they worked with years before, is back in town. They decide to approach Johnny with an opportunity. Johnny agrees to join them, but the situation progressively deteriorates when the FBI and Joe McCray begin to suspect that Johnny is behind the bank heists.