Retax Funding

What Retax Funding does

Retax Funding is a privately held Texas-based property tax lender operating from San Antonio since 2005. The company originates one-time property tax loans that pay delinquent property taxes directly to the county on behalf of borrowers, generating revenue through interest charges and fees on the loan balance. It serves two primary customer segments: commercial property owners (office buildings, restaurants, retail stores, hotels, warehouses, gas stations, apartments, and other business properties) and residential property owners facing delinquent property taxes that can accumulate up to 47% in penalties and fees in the first year. Both segments use the same core product structure with customized payment terms, including interest-only options and deferred first payments up to a year for qualified borrowers.

The company operates a sales-led go-to-market model with no proprietary technology platform. Lead generation is driven primarily through Google AdWords search and remarketing campaigns, with customers initiating contact via a toll-free number (866-267-5194) or a website quote form. Licensed loan officers manually guide each borrower through a personalized quote process, after which a mobile notary is dispatched to the customer's business or home for document signing. Funds are disbursed directly to the county to halt further fee accumulation. The company holds five NMLS licenses (#2099887, #1917765, #2115314, #332952, #1258976) to support its lending operations across Texas.

Retax Funding is a small operation (1-10 employees) that has remained founder-owned throughout its history with no disclosed external funding rounds, acquisitions, or partnerships. Its competitive positioning rests on Texas-specific domain expertise, a streamlined four-step process, and the convenience of mobile notary services. The company states it has helped "thousands" of business owners manage their annual property tax bills over two decades of operation. Pricing is quote-based and not publicly disclosed, with terms personalized to borrower qualifications and property type.

Name

Retax Funding

Legal name

RETax Funding

Website

https://retaxfunding.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Retax Funding is a San Antonio-based Texas property tax lender (founded 2005, 1-10 employees) that originates one-time loans to pay delinquent property taxes directly to the county for commercial and residential property owners, generating revenue through interest and fees.

Ownership category

akta.pro rank

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Property Tax Loans: One-time property tax loans where RETax Funding pays the borrower's delinquent property taxes directly to the county. The borrower then repays RETax Funding under agreed payment terms, including flexible payment plans and interest-only options. Revenue is generated through interest and fees charged on the loan amount.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Retax Funding is a Texas-based property tax lender that pays delinquent residential and commercial property taxes directly to the county on behalf of property owners, halting escalating penalties (up to 47% in the first year), interest, and attorney fees. The company provides flexible repayment plans including interest-only options and deferred first payments up to a year for qualified borrowers, with loan processing handled by licensed loan officers and a mobile notary service.

Product overview

RETax Funding offers two core property tax loan products for Texas residents: Commercial Tax Loans designed for business property owners (including office buildings, restaurants, retail stores, hotels, warehouses, and other commercial properties), and Residential Tax Loans for homeowners. Both products function as tax payment loans where RETax pays the property owner's delinquent taxes directly to the county, halting penalty and fee accumulation. The company offers flexible payment plans including interest-only options and deferred first payments up to a year for qualified borrowers. Loan processes include mobile notary document signing and direct county payment.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Tax Loans Property tax loan service for Texas business owners with delinquent commercial property taxes. Retax Funding pays the taxes directly to the county, halting increasing fees, penalties, and legal actions, while allowing the business to preserve working capital for growth needs. Eligible property types include office buildings, restaurants, retail stores, hotels, warehouses, industrial plants, gas stations, strip centers, movie theaters, development tracts, ground leases, and apartments.
• Residential Tax Loans Property tax loan service for Texas homeowners who have become late on residential property tax payments. Retax Funding pays the delinquent taxes directly to the county, preventing foreclosure and eliminating the accumulation of county fees and penalties that can reach up to 47% of taxes due in the first year.

Quantifiable outcome

• Delinquent tax penalties and fees can add up to 47% in the first year if unpaid

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• Intuit TurboTax: Tax preparation software and services company serving millions of U.S. taxpayers. Adjacent in the tax-services ecosystem and relevant because it interacts with property tax planning workflows; not a direct competitor but a broad incumbent that could enter or partner in the property tax payment space.
• OppFi: Public digital specialty lender providing small-dollar personal loans to subprime borrowers. Comparable in targeting cash-stressed consumers with installment credit, though OppFi operates nationally and digitally rather than in a state-specific niche like RETax.
• H&R Block: National tax preparation and financial services company serving consumers and small businesses with tax filing, refund advances, and Emerald Card products. Comparable as a tax-adjacent financial services provider reaching similar borrowers, though it does not specialize in delinquent property tax lending.
• LendingTree: Online loan marketplace connecting consumers and small businesses to multiple lenders across personal, mortgage, and small-business credit products. Comparable as a multi-lender origination channel that could compete for RETax's borrower demand via lead generation, though it does not directly originate property tax loans.
• OneMain Financial: Large national personal credit institution providing installment loans to non-prime consumers. Comparable as a non-prime personal lender with similar target borrower demographic, but with a broader product set and national footprint versus RETax's Texas-only focus.

Emerging players

• Dave: Cash-advance and digital banking app offering small-dollar advances to underbanked consumers to bridge short-term cash gaps. Comparable as an alternative short-term liquidity provider for financially stressed consumers, potentially competing for the same type of borrower before they reach delinquent-tax status.
• Possible Finance: Mobile-first small-dollar installment lender serving subprime borrowers with short-term loans up to $500. Comparable in targeting borrowers with thin credit files and short-term liquidity needs; emerging threat to RETax as digital lenders expand into tax-payment use cases.
• Brigit: Consumer finance app providing cash advances and budgeting tools to help members avoid overdrafts and short-term liquidity gaps. Comparable as an alternative liquidity product aimed at the same underbanked demographic that RETax serves when their cash gaps lead to delinquent taxes.

Direct peers

• Texas Property Tax Loans: Texas-focused property tax lender serving owners of delinquent residential and commercial properties with similar loan structures and county-payment mechanics. Directly comparable niche specialist competing for the same Texas borrower pool as RETax Funding.
• GoTaxLoans: Texas-based property tax loan provider offering loans to pay delinquent property taxes directly to the county. Closest direct competitor with the same single-state focus, similar product (residential and commercial tax loans), and same target borrower profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/RETaxFunding
• LinkedInlinkedin.com/company/retax-funding-l.p.

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 Retax Funding