What Is Tax Funds?
Tax Funds is a business tax debt financing marketplace. We connect small and mid-sized businesses that owe the IRS or state tax authorities with specialized alternative lenders who understand how to structure financing around IRS obligations, active tax liens, and enforcement actions.
We are not a lender and we are not a tax resolution firm. We do not negotiate with the IRS on your behalf. We are a marketplace that identifies and matches businesses with the right specialty funding partner for their specific tax debt scenario – and we do it without charging you anything upfront.
The Problem We Solve
When a business falls behind on 941 payroll taxes or other federal and state obligations, the IRS moves fast. Penalties compound daily. A Notice of Federal Tax Lien (NFTL) is filed – a public record claiming the IRS has superior security interest in every business asset. That lien destroys conventional financing: banks will not lend, SBA loans are prohibited, the business becomes un-bankable at exactly the moment it needs capital most.
Most business owners do not know specialty lenders exist who work with IRS lien subordination under IRC 6325(d). These lenders pay the IRS in full, receive a subordination certificate or lien release, and provide the business a repayment loan. Tax Funds was built to connect businesses to these lenders.
How Tax Funds Works
- Submit your information – No hard credit pull. No upfront cost. Tell us your approximate IRS or state tax balance and basic business information.
- Specialist review – Within one business day, a Tax Funds specialist reviews your file and identifies lenders in our network matched to your tax type, debt amount, and state.
- Lender matching – You receive term sheet options from vetted specialty lenders who have actually funded similar scenarios.
- IRS gets paid – Once you accept a lender offer, funds are advanced, the IRS is paid directly, and the lien release process begins.
Who We Serve
- Small to mid-sized businesses with IRS 941 payroll tax debt, income tax debt, federal tax liens, IRS levies, or state tax delinquency
- Businesses at any stage of IRS enforcement – from first notices through active levies and garnishments
- Business owners facing personal Trust Fund Recovery Penalty (TFRP) exposure under IRC 6672
- CPAs, Enrolled Agents, and tax attorneys seeking specialty financing solutions for their business clients
- Businesses in all 50 states with IRS or state tax debt of $25,000 or more
Editorial Standards and E-E-A-T
All content on taxfunds.com is written by or reviewed by credentialed tax professionals. Primary content author: Sarah Mitchell, CPA, a licensed Certified Public Accountant with expertise in IRS tax debt resolution and business financing. Content is reviewed by James Okafor, EA, an Enrolled Agent licensed by the IRS to represent taxpayers in all matters before the Service.
All information regarding IRS procedures, penalty rates, interest calculations, and statutory references (including IRC 6325(d), IRC 6672, and related regulations) is sourced directly from IRS.gov, the Internal Revenue Code, and IRS publications.
Disclosure
Tax Funds is a financing marketplace. We are not a lender, bank, CPA firm, or tax resolution company. Submitting your information does not guarantee financing. All financing terms are set by individual lenders and disclosed in full before you accept any offer. Tax Funds may receive compensation from lenders when a successful match is made.