Business Funding With a Tax Lien

A tax lien doesn't have to be a dead end. We look at your deposits and revenue first, not just the lien. Soft pull to check, FICO 500+ considered, funding in as little as 24 hours.

"We have a tax lien, so nobody will touch us"

You applied at your bank. Denied. You tried an online lender. The application asked about liens, you answered honestly, and the "instant offer" vanished. Now you're convinced that the IRS lien, or the state tax lien sitting on your business, has locked you out of every dollar of financing until it's gone.

That's the story most lenders tell you. It isn't the whole story. A tax lien makes funding harder, not impossible. Traditional banks and SBA lenders treat a lien as an automatic no because they're lending against your credit profile and public records. We're not. We're lending against the money that moves through your bank account every month.

If your business is bringing in revenue and your deposits are steady, a lien is a factor we work around, not a wall we stop at. Let's be honest up front: it's workable, not automatic. Here's exactly how it works and what makes the difference.

How funding with a tax lien actually works

Three steps. No credit-score gate at the door, no promise we can't keep.

• 1. Apply and send statements. Fill out the short online application and send your last 3–6 months of business bank statements. Checking your rate is a soft pull, so it does not ding your credit. The statements matter more than the lien on this side of the desk.
• 2. We underwrite the deposits, then address the lien. We look at your monthly revenue, deposit consistency, and cash flow first. If there's a lien, we ask two things: how big is it, and is there a payment plan in place? A lien you're actively paying down under an IRS installment agreement is very different from one being ignored.
• 3. You get a real offer, sign, and get funded. Approvals here run on deposits, not FICO. FICO 500+ is fine. If you're approved and everything's signed before early afternoon ET on a weekday, funding can hit the same day. Friday afternoon signings typically fund Monday.

Straight answers

Can I really get a business loan with an open tax lien?

Yes, in many cases. It depends on the lien size relative to your revenue and whether you have a payment arrangement. A $15,000 lien on a business doing $120,000/month is a non-issue. A lien larger than your annual revenue with no plan is much harder. Send statements and we'll tell you straight.

Does the lien have to be paid off first?

No. Paying it off isn't a requirement. What helps most is showing it's being handled, usually an IRS or state installment agreement. Some businesses actually use the funding to knock down or clear the lien.

My credit is wrecked from the lien. Am I out?

Not automatically. We approve on bank deposits, not credit score, and consider FICO 500+. The lien and a low score are things we account for, not deal-killers by themselves. Checking is a soft pull.

IRS lien vs. state tax lien, does it matter?

Both are workable. The underwriting question is the same for either: size, and whether you're paying it down. We handle federal and state tax liens.

Will applying hurt my credit?

No. Checking your rate is a soft pull. Your score isn't affected unless you accept an offer and move forward.

How much can I get?

Offers run from $10K to $5M and are sized to your deposits, typically a portion of your average monthly revenue. A larger lien may trim the offer, but it rarely takes it to zero when the cash flow is there.

Bottom line

A tax lien narrows your options; it doesn't erase them. If revenue is coming in and deposits are steady, there's a real path here. Send your statements, get a soft-pull rate, and see a real number instead of another automatic denial.