TaxRock for Factors

See IRS exposure before it becomes a credit event.

TaxRock continuously monitors authorized taxpayers across your portfolio, surfacing growing balances, missed filings, collection activity, and other signals that could affect your risk or position.

Book a demo →See how it works →
The visibility gap

IRS exposure rarely starts with a lien.

Missed payroll deposits, unfiled returns, growing balances, penalties, and collection notices can surface long before an IRS issue becomes public. But when review depends on periodic transcript pulls or public records, those early signals are easy to miss.

TaxRock surfaces the progression of IRS exposure while there may still be time to investigate, communicate with the client, and protect your position.
Portfolio IRS Watchlist214 monitored taxpayersLive
TF
TransCo FreightCarrier · advance active
Payroll deposits missed
BC
Baxter CarriersCarrier · advance active
IRS balance growing
MH
Midland HaulageCarrier · advance active
No material change
CS
Corvus ShippingCarrier · new client
Return remains unfiled
PP
Pallet ProsStaffing · advance active
CP504 issued
DL
Decker LinesCarrier · advance active
Payment activity resumed
8 clients need review · 3 material changes today
Portfolio intelligence

Don’t just collect IRS data. Know what changed across your portfolio.

TaxRock continuously monitors authorized taxpayers and turns raw IRS activity into prioritized signals, so your team can focus on the clients and changes that may affect credit quality.

Monitor the portfolio

Continuously watch authorized taxpayers without relying on one-time transcript pulls or fixed review cycles.

Detect early financial stress

Surface missed deposits, unfiled returns, growing balances, penalties, and collection activity as they appear.

Understand the progression

See the sequence behind the signal, not only the latest notice or balance shown in isolation.

Prioritize review

Identify which clients changed, why they were flagged, and where your team may need to investigate further.

From early signal to public event

See the progression, not just the outcome.

One illustrative carrier, as IRS exposure develops over time.

SignalPayroll deposits fall off scheduleExpected federal deposits stop appearing.
SignalIRS balance begins growingA balance is assessed and starts compounding.
SignalRequired return remains unfiledA required filing does not post to the account.
EscalationPenalties are assessedPenalties and interest increase total exposure.
EscalationCP504 is issuedCollection activity advances on the account.
Public eventLevy or lien activity followsThe issue becomes public and harder to manage.

Illustrative account activity. Signals and timelines vary by taxpayer.

TaxRock gives your team the account history and context behind each signal, helping you see whether an isolated event is becoming a larger pattern.

Rocky across your portfolio

Ask about the risk. Get the account history behind it.

Rocky understands the IRS activity TaxRock is monitoring across your portfolio. Ask which clients changed, what triggered a signal, and how the activity has progressed, without reviewing each client manually.

Portfolio intelligence built for factoring decisions, not a chatbot sitting beside raw IRS data.
What needs my attention before today’s funding decisions?
Rocky
Three clients have material IRS changes. Baxter Carriers is the highest priority. Its IRS balance has increased from $18,400 to $48,200, two payroll tax deposits appear to have been missed, and its latest required return has not posted.
Is this a new issue or an ongoing pattern?
Rocky
The first change appeared 87 days ago. Since then, the balance has grown and additional compliance issues have surfaced. No federal tax lien is currently reflected in the account activity available to TaxRock.
Open Baxter CarriersView the 120-day timelineSummarize the other two clients
Rocky
Ask Rocky about your portfolio…
Built into the credit lifecycle

Visibility before and after the advance.

Initial reviewAdd connected IRS intelligence to the information considered before establishing or expanding a relationship.
Ongoing monitoringWatch for material changes between formal reviews without repeatedly ordering and interpreting transcripts.
Portfolio managementPrioritize clients that may require updated information, client outreach, or closer internal review.

One connected view, from the first review through the life of the relationship.

Built to connect

Bring IRS intelligence into the platforms where decisions are made.

TaxRock can serve as the IRS intelligence layer within existing factoring technology and portfolio workflows, bringing continuous monitoring, prioritized signals, and account context closer to underwriting and portfolio decisions.

Request an integration →

Integrations are underway. Tell us which factoring platform your team uses and where IRS intelligence would strengthen your workflow.

UnderwritingPortfolio managementYour factoring platformTAXROCK INTELLIGENCE LAYERPortfolio monitoringRisk signalsRockyIRSUNDERLYING IRS DATA
Flexible coverage

Portfolio coverage that scales with your portfolio.

Start with the clients that matter most, then expand coverage as your portfolio grows. Pricing is based on the number of authorized taxpayers monitored.

Per monitored taxpayerPay based on the number of authorized taxpayers under continuous monitoring.
Flexible portfolio coverageStart with a segment of your portfolio or monitor all of it.
No manual transcript cycleContinuous monitoring replaces repeated pulls and client-by-client reconciliation.
See pricing →

See IRS exposure developing across your portfolio.

Experience how TaxRock surfaces, connects, and prioritizes IRS activity before it becomes harder to address.

Book a factoring demo →

Request an integration

Tell us which platform your team uses and where IRS intelligence would add the most value.