TOD, an Alternative Funder's Best Friend
Scale your portfolio while mitigating risk
Small businesses are under pressure, fraud is up, and defaults are rising. Most lenders/funders still rely on borrower-provided bank statements, which leave blind spots around profitability, tax compliance, and hidden IRS liens or levies that can compromise repayment.
Born out of a rapidly growing Fintech in the small business lending space, TOD provides fast access to IRS-verified tax data so you keep your speed advantage while materially improving credit outcomes.
See how IRS data would have changed your last few deals
Experience the TOD difference
TOD empowers alternative finance companies with continuous IRS-verified tax insight
- See the real financial picture: Understand multi-year revenue, margins, and net income directly from IRS transcripts
- Detect fraud: Compare bank statements and financials against IRS-filed returns to catch inflated or fabricated documents before you fund
- Spot hidden risk: Surface unpaid balances, liens, levies, and installment agreements, often before they show in public lien searches or collections data
- Protect and price your portfolio: Use verified tax behavior for risk-based pricing and ongoing monitoring, so you can right-size exposure and act on early warning signals
Make obtaining tax data easy for you and your customers
In three simple steps, you can receive up to 10 years of historical IRS data and establish ongoing monitoring for new activity, without compromising funding or lending times.
Create a tax transcript request for one or multiple taxpayers
Merchant/borrower e-signs a pre-populated Form 8821
Access historical and future tax transcript data
See 
in action for Alternative Finance
Schedule a brief demo to see how our platform can help ou scale efficiently and uncover risk.
