As a small business owner, understanding how back taxes can impact your ability to secure financing is crucial. Neither conventional lenders nor the SBA are eager to discuss loans aimed at paying back taxes, especially those owed for multiple years. This challenge affects businesses across all industries, and it's important to recognize that financial advisors facing this situation often encounter additional scrutiny from lenders. Even when we clarify the differences between financial planning advice and the operational skill set of a small business owner, it’s no surprise that most banks have internal policies deeming a delinquent tax debt an ineligible loan purpose.