Entrepreneurs Nick, Kurt, and Dale devise a plan to launch their own business, inventing a new shower product called the "Shower Buddy." Seeking investors, they pitch the idea on a television show where they catch the interest of wealthy father-son duo Bert and Rex Hanson. The Hansons offer to fund manufacturing and distribution. However, just as the production gets underway, the trio is blindsided when Rex reveals that their deal was a ruse, intending to steal their patents and leave them with massive debt. Desperately trying to salvage their dream and avoid financial ruin, the three decide to take drastic measures by concocting a hapless scheme to kidnap Rex and hold him for ransom.

Facing a series of mishaps, the inept trio realizes they're in over their heads as their plan spirals into chaos. Seeking guidance, they turn to former foes and allies, including criminal consultant Dean "MF" Jones and Nick's old boss Dave Harken. Their amateurish fumbling draws attention from law enforcement, adding further pressure on Nick, Kurt, and Dale as they navigate a minefield of missteps and misunderstandings. With time running out and stakes rising, they must find a way to outsmart Rex and reclaim control over their invention before it's too late, all while attempting to avoid further entanglements with the law.