Merchant Fund Express
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Funding to Cover a Tax Bill

Pay the tax bill on time and keep enough cash to run the business. We review deposits, not tax returns.

Cover My Tax Bill

Use of funds: tax payments

Meet the deadline without draining operating cash

A large tax payment can leave payroll and inventory short. We look at about three months of bank statements to size funding that covers the bill while your repayment stays manageable.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Covering taxes without the scramble

Quick, with minimal documents

A 5-minute application with about three months of bank statements. No tax returns required. As little as 24 hours for qualified businesses.

Not just a credit score

We consider FICO 500+ and give real weight to your deposit history.

See the full amount owed

Your offer lists the full repayment amount before you accept. No surprise costs after you sign.

Payments you can schedule around

The repayment schedule is set out in the offer so you can fit it next to estimated tax payments.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

When the tax bill is bigger than the cushion

A strong year can produce a surprise: estimated payments came in too low, a sales tax filing caught up with you, or payroll tax deposits slipped during a busy stretch. The bill is real and the deadline is fixed. Covering it from operating cash can leave you short for inventory or payroll the following week.

How funders view a tax-driven request

Using working capital to pay a tax bill is a common, legitimate reason to apply. Reviewers look at:

If a lien is already in place, our page on funding with a tax lien explains how that is weighed.

We do not ask for your tax returns

It sounds odd on a tax page, but it is true. Our review relies mainly on about three months of business bank statements, not returns. That is useful when your accountant is still finishing filings. See funding without tax returns for more.

Sizing it right

Request what you need to pay the bill and protect a working cushion. Then check that the new repayment fits alongside next quarter's estimated payment. If it only works by skipping that payment, you are setting up the same problem again. Your offer shows the full repayment amount and schedule before you accept, so you can run the numbers first.

Next step

Fill out the 5-minute application, which starts with a soft credit pull. FICO 500+ is considered, and qualified businesses can be funded in as little as 24 hours. Funding ranges from $25,000 to $5,000,000 depending on your deposits and obligations.

Frequently Asked Questions

Can I use business funding to pay taxes?

Yes. Paying federal, state or sales tax obligations is a common use of working capital. The review focuses on whether your deposits can support repayment.

Do you need my tax returns?

No. We work mainly from about three months of business bank statements. Tax returns are not required.

What if the IRS has already filed a lien?

You can still apply. A lien is weighed alongside your deposits and other obligations, and disclosing it early keeps the review moving.

Should I set up a payment plan with the tax agency instead?

Sometimes that is the better route, and it is worth asking your accountant. Funding makes more sense when paying in full now protects your operations or avoids larger penalties.

How fast can I get the money before the deadline?

Decisions move quickly, and qualified businesses can be funded in as little as 24 hours. Applying several days ahead of the deadline gives you more room.

Federal tax bill $48,000.00
Sales tax filing $29,000.00
Payroll taxes $36,500.00
State balance due $25,500.00

Example uses for illustration only.

How to improve your chances

A few habits can keep the next tax bill from becoming a crisis.

  • Move a set share of each deposit into a tax account
  • Review estimated payments with your accountant
  • File sales tax on time every period
  • Track payroll tax deposits weekly

Paying a tax bill: our review vs. a typical bank

Merchant Fund Express
Traditional bank loans
Tax returns
Not required
Usually two or more years
Main document
About 3 months of statements
Full financial package
Credit
FICO 500+ considered
Higher minimum common
Timing
As little as 24 hours if qualified
Often past the deadline
Cost shown
Full repayment in the offer
Varies

Pay the tax bill and keep the lights on

One secure application. A soft credit pull to start. No obligation to accept an offer.

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