Johnson & Starr

What Johnson & Starr does

Johnson & Starr is a privately held, Austin-based property tax lender operating exclusively in Texas. The company originates residential and commercial property tax loans for property owners who are delinquent on their taxes, paying the underlying tax bill in full to the county on the borrower's behalf and then structuring a customized installment repayment plan. Loan pricing starts at 11.99% APR with no application fees, no home inspection, no money due at closing, and no credit check, and the company offers skip-payment options, mobile closings, and an end-of-year rebate for borrowers who maintain scheduled payments.

The product surface consists of three core loan offerings — Residential Property Tax Loans, Commercial Property Tax Loans, and Refinance Property Tax Loans — supported by self-service tools including an online Property Tax Loan Calculator and a Prequalification Application that enables personalized offers without a credit pull. Underlying technology is a standard web-based loan application and customer portal, with no proprietary AI, model, or integration stack disclosed; competitive differentiation rests on borrower-friendly policy terms rather than technology depth. The firm is regulated by the Texas Office of Consumer Credit Commissioner (OCCC) and operates NMLS-licensed loan officers.

Johnson & Starr distributes its services via a direct-to-consumer inside-sales motion: a 24/7 sales line, online inquiry forms, Calendly booking, mobile closings, paid Google AdWords, organic blog/SEO content, and social channels (Facebook, X). Customer segments include Texas residential homeowners, commercial property owners, seniors (65+) and disabled owners, and inherited-property owners. Revenue is generated through interest charged on outstanding loan balances. The company is bootstrapped with no disclosed funding rounds, operates with 1–10 employees, has helped 'hundreds of Texans,' and is actively soliciting portfolio acquisitions and co-origination partnerships from other Texas property tax lenders as a growth lever.

Name

Johnson & Starr

Legal name

Johnson & Starr

Website

https://johnsonandstarr.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Johnson & Starr is a privately held Austin-based property tax lender that pays delinquent Texas residential and commercial property tax bills in full and structures customized installment repayment plans, serving Texas homeowners, commercial owners, seniors, and inherited-property borrowers through a direct-to-consumer inside-sales model.

Ownership category

akta.pro rank

Product category

Property Tax Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Refund Anticipation Loans (RAL) & Tax Advance Credit (FSAKAMAH)

Keywords

• Property tax loans
• Tax lien financing
• Foreclosure prevention
• Residential tax lending
• Commercial tax lending

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Property Tax Loans: The company originates property tax loans to Texas homeowners and commercial property owners who are delinquent on property taxes. Loans are secured by the property and repaid through customized installment plans. Revenue is generated through interest charged on the loan balance. The company pays the property tax bill in full directly to the county, then the borrower repays Johnson & Starr over time.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Johnson & Starr originates property tax loans secured by Texas residential and commercial real estate, paying the delinquent tax bill in full to the county on behalf of the borrower and then structuring a customized installment repayment plan. Loan proceeds are disbursed directly to the tax authority, and borrowers repay Johnson & Starr over time under borrower-friendly terms that include no credit check, no application fee, no home inspection, and no money due at closing. Supporting self-service tools include an online prequalification application and a property tax loan calculator.

Product overview

Johnson & Starr offers a suite of Texas property tax loan products designed to help residential and commercial property owners who are delinquent on property taxes avoid foreclosure. The core offerings include Residential Property Tax Loans, Commercial Property Tax Loans, and Refinance options. The company pays the property tax bill in full on behalf of the borrower, then creates a customized repayment plan. Supporting self-service tools include a Property Tax Loan Calculator and a Prequalification Application. All products feature borrower-friendly terms including no credit checks, no application fees, and flexible payment options including the ability to skip payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Property Tax Loans Property tax loans for Texas homeowners who are delinquent on their property taxes. Johnson & Starr pays the tax bill in full to the county and creates a customized installment repayment plan, with no credit check, no application fee, no home inspection, and no money due at closing.
• Commercial Property Tax Loans Property tax loans for Texas business owners with delinquent commercial property taxes. Johnson & Starr pays the full tax bill to the county and structures flexible repayment terms to preserve business cash flow.
• Refinance Property Tax Loan Refinancing option for existing property tax loans that allows borrowers to potentially obtain better terms or extend payment periods on an existing Johnson & Starr or third-party property tax loan.

Quantifiable outcome

• Property tax loans can close in as little as 7 days
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Other Property Tax Lenders (Industry Peers)growthOthersJohnson & Starr is expanding services throughout Texas and is interested in speaking with other property tax lenders who may wish to sell a portfolio or originate loans while retaining an economic interest. The company philosophy extends to partners with a commitment to doing what's right for the customer.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• PropTaxBack: Texas-focused property tax lending company that pays delinquent property tax bills on behalf of homeowners and structures repayment plans — directly comparable product, customer, and geographic exposure to Johnson & Starr.
• BOXX Property Tax Loans: Specialty property tax lender offering installment financing for delinquent property taxes in Texas; competes in the same OCCC-licensed, property-secured lending niche with similar refinance and installment features.
• Texas Tax Loan (TexasLending): Texas property tax loan provider serving delinquent residential property owners in the same OCCC-regulated market; comparable customer acquisition channels (digital/SEO) and similar consumer-friendly value proposition.

Broad incumbents

• Affirm: Large consumer credit/BNPL fintech offering short-term installment credit across many categories; comparable business model (point-of-need installment lending) and a benchmark for what scaled digital consumer credit looks like.
• LendingPoint: Non-prime consumer installment lender; a useful reference point on credit risk, pricing, and compliance practices for non-bank lenders serving distressed borrower segments like Johnson & Starr's.

Others

• CivicPlus: Government technology vendor that integrates with municipal tax and payment workflows; adjacent ecosystem player whose government relationships could represent either partnership opportunities or a competing front-end for property tax payment.

Emerging players

• Possible Finance: Subprime consumer installment lender serving financially underserved borrowers; comparable customer profile (cash-constrained) and small-dollar installment structure relevant to property tax loan economics.
• Fig: Fintech that enables installment-based tax payments and tax-related credit products; overlaps with Johnson & Starr's tax-payment-financing use case from a fintech rather than traditional-lender angle.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/JohnsonandStarr
• Facebookfacebook.com/johnson.starr.texas.property.tax.loans

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 Johnson & Starr