Maximize Tax Refund Collections with SBT’s FinText Platform

Capture peak payment intent during tax season. Download our free guide and discover how timing, messaging, and embedded payments turn temporary liquidity into results.

Tax season is the most critical — and competitive — window for recoveries. With an estimated $91B in additional refunds expected to enter the market and the NRF reporting that 33% of consumers who expect a refund plan to use it to pay down debt (up 20% from last year), the question is: Will they pay you first?

Why refund timing matters

How $91B in additional refunds creates temporary liquidity windows that close fast.

High-performing campaign principles

Four principles that reduce friction and convert intent into completed payments.

Phased outreach framework

When to reach consumers during early filing, anticipation, receipt, and post-refund phases.

The shortest path to action

Why text messaging removes barriers between intent and payment during refund season.

Common mistakes to avoid

Avoid outreach delays, portal friction, and timing errors that kill payment momentum.

Compliance checklist for campaigns

Ensure consent, sender ID, opt-out instructions, and secure access across all messages.

Strategic MMS use cases

Use MMS for refund planning overviews and payment plan comparisons that drive decisions.

Actionable execution strategies

Design campaigns for speed, meet consumers in-channel, and act while intent peaks.

What is this tax season receivables guide about?

Tax season creates a concentrated window when consumer liquidity, payment intent, and willingness to resolve outstanding accounts align. This guide shows ARM organizations how to structure compliant text messaging campaigns around refund timing to capture payment intent before it fades.

Why is text messaging effective during tax refund season?

Text messaging eliminates friction during high-intent moments. When consumers receive refunds and are ready to act, texting keeps resolution in-channel—no portal logins, no waiting on hold, no app downloads. Speed matters when intent is temporary.

Does the guide include a campaign framework I can use?

Yes. The guide includes a four-phase campaign framework aligned to consumer refund behavior: Early Filing, Refund Anticipation, Refund Receipt, and Post-Refund. Each phase includes timing, messaging goals, and strategic recommendations.

Is compliance guidance included in the guide?

Absolutely. The guide covers compliance requirements across all outreach phases including consent, sender identification, opt-out instructions, secure account access, and adherence to frequency and quiet hours for TCPA and carrier compliance.

How does SBT support ARM organizations during tax season?

SBT's FinText platform is built specifically for consumer finance with compliance-first messaging, embedded payments, and real-time engagement. We help ARM organizations turn temporary refund liquidity into completed payments—compliantly and at scale.

How do I download the tax season receivables guide?

Simply fill out the form on this page to download the guide instantly. You'll get actionable strategies, campaign timing frameworks, and compliance checklists to help you capture refund-driven payments this season.

Turn refunds into revenue.

Master tax season receivables