Continuous IRS intelligence across the credit lifecycle.
Monitor authorized borrowers from underwriting through servicing, renewal, and payoff, and surface material changes between scheduled reviews.
Credit risk does not stand still after closing.
Underwriting establishes the borrower’s position at a specific point in time. After origination, new IRS balances, filing gaps, penalties, and collection activity can develop between financial reporting periods and scheduled credit reviews.
Extend IRS visibility beyond underwriting.
TaxRock continuously monitors authorized borrowers and converts new activity into prioritized, portfolio-level intelligence.
Bring available IRS balances, filing status, and account activity into the initial borrower review.
Continuously watch for new balances, filing gaps, penalties, notices, payments, and collection activity.
See when activity first appeared and how the borrower’s IRS position has progressed over time.
Identify which borrowers changed, what triggered the signal, and where further investigation may be appropriate.
Material changes. Interpreted in context.
Individual IRS events do not determine creditworthiness. TaxRock helps lenders see when new activity appears, how it relates to prior account history, and whether a broader pattern may be developing.
See when a borrower’s federal tax liability begins increasing or continues to compound.
Surface missed or irregular payroll tax deposits that may warrant additional review.
Identify required returns that have not posted to the borrower’s IRS account.
Track assessments that increase the borrower’s total IRS exposure.
Surface meaningful notices, levy activity, liens, and other collection developments.
See when payments post, balances decline, or an existing issue appears to be moving toward resolution.
One continuous view, from underwriting through payoff.
Illustrative borrower activity. Signals and timelines vary by taxpayer.
Ask what changed. Understand what it means.
Rocky interprets IRS activity across your authorized borrowers, helping your team investigate individual changes, compare them with prior history, and identify what warrants attention.
IRS intelligence where credit decisions happen.
TaxRock complements existing financial reporting, covenant monitoring, and credit processes with a continuously updated view of authorized IRS activity.
Add available IRS account information to the borrower’s initial credit assessment.
Maintain visibility into material changes between formal review periods.
Bring current IRS activity and historical context into periodic credit decisions.
Help teams identify borrowers who may require updated information or closer review.
Bring IRS intelligence into your credit infrastructure.
TaxRock is designed to extend continuous borrower IRS intelligence into the systems and workflows lenders use across underwriting, servicing, portfolio review, and renewal.
Integrations are underway. Tell us which lending or portfolio platform your team uses and where borrower IRS intelligence would add value.
Monitoring that scales with your loan portfolio.
Start with a defined borrower segment or extend coverage across a broader portfolio. Pricing is based on the number of authorized taxpayers monitored.
Extend IRS visibility across your loan portfolio.
See how TaxRock brings continuous IRS intelligence into underwriting, servicing, and portfolio review.
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