Not for most revenue-based funding, which relies on bank statements; larger amounts, SBA and bank loans usually require returns.
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It depends on the product and the amount. Banks and SBA lenders almost always require business and personal tax returns. Revenue-based funders often do not for smaller amounts, but filed, current returns still help in several ways.
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.
Approved files are usually funded the next business day.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
Existing balances of $100,000 or less can be bought out.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
For bank term loans, lines of credit and SBA loans, tax returns are core underwriting documents. Lenders typically ask for two years of business returns and the owners personal returns, and they use them to verify income, calculate debt service coverage and check that the financials you provide match what was reported to the IRS. Lenders often confirm returns directly with the IRS using a transcript request authorized by IRS Form 4506-C.
Revenue-based funders and merchant cash advance providers rely primarily on recent bank statements and usually do not require tax returns for smaller requests, considering credit from 500. Larger requests, or files with unusual patterns, may trigger a request for returns or a profit-and-loss statement.
Unfiled returns or unpaid tax balances matter even when returns are not requested. Unpaid federal taxes can lead to tax liens, which appear in public records and can block approval or require a payment plan to be in place. If you are behind, filing and entering an installment agreement with the IRS, and keeping it current, often makes a file fundable again.
Practical steps: file on time or on extension every year, keep copies of filed returns and IRS acceptance confirmations, make sure the revenue on your return is consistent with your bank deposits and keep any payment plan documentation ready to share. Clean tax filings expand the products you can access, from revenue-based options through MFE to bank and SBA loans.
Here is an offer based on bank statements without tax returns. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.20) | $120,000 |
| Term | ~36 weeks |
| Payment per week | $3,333 |
| Monthly payment the project must cover | $14,433 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Bank term loan or line | Usually 2 years required |
| SBA loan | Required, verified with IRS |
| Revenue-based funding | Often not for smaller amounts |
| Larger revenue-based requests | May be requested |
| Unpaid taxes or liens | Can block approval without a plan |
Good fit:
Probably not yet:
Banks and SBA lenders usually require them; revenue-based funders often do not for smaller amounts.
Often with an IRS transcript request authorized by Form 4506-C.
It is harder; tax liens and unfiled returns can block approval.
Yes, a current installment agreement often makes a file fundable again.
Large differences raise questions; keep them consistent.
Often yes, with the prior year return and extension confirmation.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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