Apply for Business Tax Debt Financing

By Sarah Mitchell, CPA | Reviewed by: James Okafor, EA
No hard credit pull. No upfront fees. Specialist contact within 1 business day.

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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?

Message

Apply Now — Free Assessment

By submitting you consent to be contacted by Tax Funds and its lender partners via automated calls and texts. Consent is not required for purchase.

Why Tax Funds

Traditional banks and SBA lenders decline all applications when a federal tax lien is on record. Tax Funds connects you with specialized lenders who use IRS tax lien subordination (IRC 6325(d)) to pay the IRS directly, release the lien within 30 days of payoff, and convert your IRS debt into a manageable business loan.

• IRS paid directly – enforcement stops upon confirmed payoff
• Federal tax lien released within 30 days of full IRS payment
• Trust Fund Recovery Penalty (TFRP) personal liability stopped at payoff
• All 50 states | Minimum $25,000 in IRS or state tax debt
• No hard credit pull on initial application

What Happens After You Apply

1. Within 1 business day: A Tax Funds specialist contacts you to review your situation and collect documentation.
2. Days 2-5: Your file is matched to lenders with active programs for your tax type, debt amount, and state.
3. Days 5-15: The lender underwrites your file and issues a term sheet. No obligation to accept.
4. Days 15-45: Upon acceptance, loan funds wire to the IRS. Enforcement stops. Lien release begins.

Qualification Criteria

Minimum $25,000 IRS or state tax debt | Active operating business (not in bankruptcy) | Sufficient monthly revenue to support loan repayment | Generally 2+ years in business | IRS 941, income tax, state payroll, sales tax, or franchise tax

Frequently Asked Questions

Will applying affect my credit score?

No. The initial application is a soft inquiry only. A hard credit pull may occur later in lender underwriting, only with your explicit consent.

Is there any upfront fee?

No. Tax Funds charges zero upfront fees. Lender origination fees (if any) are deducted from loan proceeds at funding – not paid out of pocket in advance.

What if the IRS has already levied my bank account?

Contact a specialist immediately. Emergency funding can sometimes be arranged within the 21-day hold period before the IRS sweeps the funds. Act now if you have received a CP503, CP504, LT11, or CP90 notice.

What documents will I need?

Initial application: approximate IRS balance and basic business info. Lender underwriting: 3-6 months bank statements, IRS account transcripts, and copies of IRS notices.

Tax Funds is a financing marketplace, not a lender, CPA firm, or law firm. Financing subject to lender approval.