What Tax Funds Does
Tax Funds is a business tax debt financing marketplace. We connect small businesses facing IRS 941 payroll tax debt, federal tax liens, IRS levies, and state tax delinquency with specialized alternative lenders who pay off the IRS directly — stopping enforcement and converting your tax debt into a manageable business loan.
If your business owes money to the IRS or your state tax authority, you already know the problem: banks will not lend to businesses with active tax liens, and the IRS will not wait while you figure out your financing. The enforcement escalates — notices, liens, levies, garnishments — while your business suffers.
Tax Funds exists because of this exact gap. Our lender network specializes in business tax debt scenarios that traditional banks refuse. They use a process called tax lien subordination to pay off the IRS in full, receive a subordination certificate or lien release, and structure a new business loan with payments you can manage.
Business Tax Debt Problems We Solve
IRS 941 Payroll Tax Debt
The most common business tax crisis. Unpaid 941 deposits trigger automatic penalties, and the Trust Fund portion creates personal liability for business owners.
Federal Tax Lien Financing
The IRS files a Notice of Federal Tax Lien after 10 days of non-payment. This destroys business credit. Our lenders work with active IRS liens using subordination agreements.
IRS Levy — Stop It Fast
An IRS bank levy freezes your business account for 21 days and then sweeps it. Rapid financing during the 21-day hold can stop the levy before it executes.
Trust Fund Recovery Penalty
The TFRP is a 100% penalty assessed personally against business owners for unpaid payroll taxes. We help owners finance both business tax debt and personal TFRP assessments.
State Tax Debt Financing
State tax authorities have the same enforcement power as the IRS at the state level. We work with all 50 states — income tax, sales tax, payroll tax debt.
OIC Bridge Financing
An IRS Offer in Compromise takes 12-24 months to resolve. We provide bridge financing to keep your business running while you wait for your OIC to be accepted.
How It Works — 4 Steps
- Apply (2 minutes): Complete our short application with your business information and estimated tax debt amount. No upfront fees, no hard credit pull at this stage.
- Review (24-48 hours): Our team reviews your situation and matches you to lenders who have experience with your specific tax debt type.
- Lender Proposal: A specialized lender contacts you directly. They underwrite your cash flow, not just your tax history.
- Funded and IRS Paid: The lender funds your loan and pays the IRS or state authority directly. Enforcement stops. The lien release process begins.
Apply for Business Tax Debt Financing
No obligation. No upfront fees. Tell us about your situation and we will match you to specialized lenders.
Frequently Asked Questions
Is Tax Funds a lender?
No. Tax Funds is a marketplace. We match businesses with specialized lenders who handle business tax debt financing. We are not a lender, CPA, or law firm and do not charge upfront fees.
Can I get financing with an active IRS tax lien?
Yes. Our specialized lender network uses tax lien subordination. The lender obtains a subordination certificate from the IRS, pays off the IRS in full, and the lien is released or subordinated.
How fast can I stop an IRS bank levy?
24-72 hour funding is possible for qualified businesses in levy situations. If a bank levy notice has been issued (CP90), the 30-day window before the levy hits is the best time to act.
What is the minimum tax debt amount?
Tax Funds works with businesses with a minimum of $10,000 in IRS or state business tax debt. There is no maximum.
Do I need to be in an IRS installment agreement to apply?
No. Businesses at all stages of IRS enforcement can apply — from first notices through active levies. No formal arrangement required.
Disclosure: Tax Funds is a financing marketplace, not a lender, CPA firm, or law firm. Content is for informational purposes only. IRS procedures sourced from IRS.gov.