Property Tax Funding

What Property Tax Funding does

Property Tax Funding, operating under the legal entity Resolution Finance LLC, is a Texas-licensed specialty finance company that provides property tax loans to residential and commercial property owners who are delinquent or at risk of delinquency on their annual property taxes. Founded in 2008 by Matt Longhofer in Dallas, the company pays a borrower's delinquent taxes directly to the taxing authority under the Texas tax lien transfer mechanism (Texas law dating to 1933), immediately halting further penalties — which can reach up to 48% in the first year — and structures repayment as an installment loan over 1 to 10 years. The company is licensed by the Texas Office of Consumer Credit Commissioner (OCCC) and through NMLS (ID 2705646), and operates across all 254 Texas counties.

The company's product surface is intentionally narrow: residential property tax loans (no credit check, 99% approval rate, up to 12 months before first payment) and commercial property tax loans (consultative underwriting for office, retail, and industrial properties with seven-figure tax bills). Supporting the loans is a technology stack built on HubSpot CMS for the public site, USIO for payment processing, PandaDoc for e-signature workflows, and The Mortgage Office as the borrower self-service portal. Marketing is concentrated on Google Ads, county-specific SEO landing pages, an active educational blog, and reputation platforms (Google and BBB), supplemented by a dedicated LLM-readable information page aimed at AI-search channels.

Property Tax Funding earns revenue primarily through interest charged on property tax loans, with terms ranging from 1 to 10 years and flexible structures including interest-only and deferred payment options. Distribution runs through inside sales (licensed loan officers, phone-led) supplemented by an online pre-application form and mobile closing agents who travel to the borrower's home or business. The company maintains regional offices in Dallas (headquarters), Houston, San Antonio, and Austin, and is privately held with no disclosed external investors, parent company, or institutional funding.

Name

Property Tax Funding

Legal name

Resolution Finance LLC

Website

https://propertytaxfunding.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Property Tax Funding is a Texas-licensed specialty lender that pays delinquent property taxes on behalf of residential and commercial property owners across all 254 Texas counties, then structures installment repayment under the state's tax lien transfer framework, earning revenue through interest on 1-10 year loans originated since 2008.

Ownership category

akta.pro rank

Product category

Specialty Consumer and Commercial Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE)

akta.pro secondary industry

Municipal Tax & Revenue Administration (Local) (BPAIACAD)

Keywords

• Property tax loans
• Tax lien financing
• Residential property lending
• Commercial property lending
• Specialty finance lending

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Property Tax Loans: Property Tax Funding provides property tax loans to Texas property owners. The company pays delinquent property taxes on behalf of borrowers directly to the taxing authority, and the borrower repays the lender over time with interest. Revenue is generated through interest charged on loans. The company also earns interest on these loans and may charge various fees. Loans are structured with terms from 1-10 years, with flexible repayment options including interest-only and deferred payment options.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Property Tax Funding is a licensed Texas specialty finance lender that pays delinquent property taxes directly to the taxing authority on behalf of Texas property owners and restructures repayment into installment loans of 1-10 years. It serves both residential homeowners and commercial property investors (including seven-figure tax bills) across all 254 Texas counties using the Texas tax lien transfer mechanism, with no credit check, no down payment, and optional 12-month deferred first payment.

Product overview

Property Tax Funding operates as a specialty finance company offering a single unified product line centered on Texas property tax loans. The core offering consists of two product types: Residential Property Tax Loans and Commercial Property Tax Loans, both utilizing the Texas tax lien transfer mechanism where the company pays delinquent property taxes and the property owner repays over time. Supporting services include a Borrower Portal for online account management, Free Loan Estimates, In-House Loan Servicing (loans are never sold to third parties), and an Eligibility Check tool. The company serves property owners across all Texas counties with loan features including no credit check, up to 10-year terms, zero down payment, and up to 12 months before first payment is due.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Property Tax Loans Loans that pay delinquent Texas property taxes on behalf of homeowners and restructure repayment into affordable monthly installments of up to 10 years, stopping county tax assessor penalties of up to 48% in the first year. Features include no credit check, no down payment, no early repayment penalties, optional 12-month deferred first payment, and a 99% approval rate.
• Commercial Property Tax Loans Loans for commercial property investors and business owners (office buildings, retail centers, industrial properties) to resolve unpaid property taxes up to seven-figure amounts, preserving operating capital and cash flow. Features include flexible repayment schedules, zero down payment, loan terms up to 10 years, and in-house servicing.
• Borrower Online Account Portal Online self-service portal that lets existing borrowers access their loan accounts, view balances and amounts due, review loan terms, and make payments.

Quantifiable outcome

• Reduces first-year tax penalty from 48% to significantly lower interest rate through property tax loan
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

One partnership is on record.

• Texas Property Tax Lienholders Association (TPTLA)coreStrategic or Co-development PartnerMatt Longhofer, founder of Property Tax Funding, serves as Treasurer and Executive Board Member of TPTLA. TPTLA is the professional association for Texas property tax lenders, promoting highest standards of compliance among members and industry governance. Active membership demonstrates company's commitment to industry standards and regulatory compliance.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• PropTaxBack: Texas-focused property tax lender offering residential and commercial property tax loans under the same Texas tax lien transfer framework. Direct head-to-head competitor in the same product category, same geography, and same customer base.
• Pebble: Tech-enabled property tax lender operating in Texas with a similar no-credit-check, lien-transfer model. Direct peer with comparable product mechanics, differentiated by a more digital-first borrower experience.
• Houston Property Tax Loans: Local Texas property tax lender focused on residential and commercial borrowers in the Houston and greater Texas market. Comparable product offering and target customer base; direct competition within the same Texas geography.
• Anchor Property Tax Lending: Regional property tax loan provider offering tax lien-based financing to homeowners and investors. Direct peer with comparable product structure and borrower target, though operating in a smaller geographic footprint.
• Five Star Property Tax Solutions: Texas property tax lender serving residential and commercial borrowers with similar lien-based loan products. Direct competitor within the same Texas regulatory regime and same target segments.

Regional players

• Pacific Property Tax Loans: Property tax loan provider operating in Western U.S. states with comparable lien-based loan products. Comparable business model but serves a different geography (no overlap with Property Tax Funding's Texas territory).

Broad incumbents

• Stack Financial Group (formerly Tax Ease): Nationally scaled property tax lender offering residential and commercial property tax loan products across multiple states. Provides overlapping capability but with a much broader geographic footprint and broader portfolio than Property Tax Funding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• LinkedInlinkedin.com/company/property-tax-funding
• Xx.com/Texas_Tax_Loans

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Property Tax Funding