Looking for an Optima Tax Relief Alternative?

By Sarah Mitchell, CPA | Reviewed by: James Okafor, EA | Updated May 2026

Two Different Approaches

Optima Tax Relief and similar companies work as intermediaries between your business and the IRS. They negotiate payment terms, submit OIC applications, and handle IRS correspondence. Their goal is to reduce what you owe or spread payments over time. This takes 12-24 months minimum.

Tax Funds is not a tax resolution company. We connect businesses with specialized lenders who pay the IRS directly — removing the lien, stopping enforcement, and giving you a repayment plan with the lender rather than the IRS. Timeline: 24-72 hours.

Key Differences

• Approach: Optima Tax Relief negotiates with the IRS | Tax Funds pays the IRS in full via financing
• Timeline: Optima Tax Relief — 12-24 months minimum | Tax Funds — 24-72 hours to fund
• Lien Removal: Optima Tax Relief — only after debt is resolved (12-24 months) | Tax Funds — within 30 days of payoff
• Upfront Fees: Optima Tax Relief — typically $3,000-$10,000+ retainer | Tax Funds — no upfront fees
• Outcome Certainty: Optima Tax Relief — OIC may be rejected | Tax Funds — IRS paid in full (certain outcome)

Which Is Right for Your Business?

If your business is genuinely insolvent with no ability to repay even with financing, tax resolution negotiation through a firm like Optima Tax Relief is appropriate. If your business has positive cash flow and can sustain monthly loan payments, financing resolves the IRS situation faster and more certainly.

Apply for Tax Debt Financing — Free Assessment

No obligation. No upfront fees. Decision in 24-72 hours. Minimum tax debt: $10,000.

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Full Name *

Business Name *

Email Address *

We'll send your financing options here.

Phone Number *

Type of Tax Debt *-- Select Tax Debt Type --IRS 941 Payroll Tax DebtFederal Tax LienIRS Bank Levy (Active Now)Trust Fund Recovery Penalty (TFRP)State Tax DebtOIC Bridge FinancingMultiple Types

Approximate Tax Debt Amount *-- Select Amount --$10,000 - $25,000$25,000 - $50,000$50,000 - $100,000$100,000 - $250,000$250,000 - $500,000$500,000+

Business State *

Brief Description (Optional)

What enforcement actions are active? How long has the debt been owed? Any upcoming deadlines?

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Tax Funds is a financing marketplace — not a lender, CPA firm, or law firm. Content is for informational purposes only.