Tax Tracker: IRS Monitoring for Lenders
See IRS exposure before you fund
Tax Tracker is an IRS compliance monitoring service from LMU Consulting Group, built for lenders and financial partners. It turns ten years of a borrower's IRS transcript data into one clear risk report before you fund, then keeps you informed of changes after you do. Every report is backed by licensed Enrolled Agents.
10 years IRS transcript data
Enrolled Agents Licensed support
No contracts No minimums
Watch: how Tax Tracker works before and after funding
This short overview shows how lenders identify IRS exposure before they deploy capital, and how ongoing monitoring helps prevent portfolio emergencies after funding.
What is Tax Tracker?
Tax Tracker gives lenders verified IRS data on a borrower: the tax information you never receive from borrowers, public records, or underwriting documents. It shows tax exposure before funding and alerts you to changes after funding, so tax problems don't quietly erode a deal.
Tax Tracker isn't tax software or an accounting dashboard. It was built for lenders by LMU Consulting Group, an IRS and state tax-resolution firm whose team brings more than 55 years of combined experience.
Who uses Tax Tracker
MCA lenders, factoring companies, private credit funds, equipment finance providers, asset-based lenders, bridge and specialty finance groups, and advisory and due-diligence partners.
What problem does Tax Tracker solve?
10 years
of IRS transcript data
in one clear report
Lending rarely fails because of bad collateral or weak financial statements. It fails because of silent tax exposure:
• payroll tax liabilities and missed payroll deposits;
• unfiled tax returns;
• penalties that keep stacking up; and
• levy threats and other IRS enforcement.
None of this shows up in a UCC or public lien search until it's too late. The IRS doesn't alert lenders, and borrowers rarely volunteer tax problems. By the time enforcement hits, the borrower's cash flow, and your repayment, may already be at risk.
WHAT TAX TRACKER SURFACES
IRS signals a lien search won't show
Balances
Tax owed
Filings
Missing returns
Deposits
Payroll taxes
Verified IRS data
Tax Tracker converts ten years of IRS transcript data into one clear report showing balances, filings, deposits, and enforcement activity. It flags missed payroll taxes, stacking penalties, unfiled return years, and early warning signs in plain English, without accounting jargon.
Before funding and after funding
Tax Tracker covers both sides of the lending cycle:
Before you fund: a clear risk profile
Every borrower has an IRS footprint. Tax Tracker translates it into a simple, lender-ready risk profile with red flags in plain English, so you see what the IRS sees before you send a dollar.
After you fund: alerts when conditions change
Deals go bad when conditions quietly shift: a missed payroll deposit, a new balance, a missing tax return, or a levy notice. Tax Tracker watches for changes and tells you when a borrower needs attention, without extra staff or manual checks.
What happens when Tax Tracker finds an issue?
1. You see it in plain English. The report flags what changed, such as a new balance, a missed deposit, an unfiled year, or an enforcement signal.
2. Enrolled Agents explain it. LMU's licensed tax experts help you understand the exposure and how the IRS is likely to respond next.
3. LMU can help resolve it. Behind every Tax Tracker report is LMU Consulting Group's tax-resolution team. When a borrower needs help, we handle the tax side, such as an IRS payment plan or lien relief, and coordinate with lenders as needed to keep deals moving.
Why lenders use Tax Tracker
IRS problems destroy a borrower's stability faster than almost anything else. They hit payroll, vendor payments, credit lines, and client relationships. Tax Tracker replaces guesswork and borrower disclosures with verified IRS data, before funding and after.
There are no contracts and no minimums. For background on how federal tax liens affect funding, read our guides to IRS lien subordination for lenders and factors and federal tax liens and factoring.
Tax Tracker questions
Common questions from lenders and financial partners.
What is Tax Tracker? Tax Tracker is an IRS compliance monitoring service for lenders from LMU Consulting Group. It turns a borrower's IRS transcript data into a clear risk report before funding and keeps you informed of changes after funding.
Who is Tax Tracker for? Lenders and financial partners, including MCA lenders, factoring companies, private credit funds, equipment finance providers, asset-based lenders, bridge and specialty finance groups, and advisory and due-diligence partners.
What does a Tax Tracker report show? It converts ten years of IRS transcript data into one report showing balances, filings, deposits, and enforcement activity, including missed payroll taxes, penalties, unfiled return years, and early warning signs that never appear in a public lien search.
Is Tax Tracker tax software? No. It isn't tax software or an accounting dashboard. It's a monitoring service built for lenders and backed by licensed Enrolled Agents who can explain what the data means.
Are there contracts or minimums? No. Tax Tracker has no contracts and no minimums. Schedule a demo to build a monitoring plan that fits your funding cycle.