Lending & Underwriting

Streamline Tax Verification & Underwriting

Streamline Tax Verification & Underwriting

Retrieve and normalize IRS data in real time — enabling faster underwriting, better risk assessment, and reduced fraud.

Retrieve and normalize IRS data in real time — enabling faster underwriting, better risk assessment, and reduced fraud.

• Real-time IRS transcript access via 8821 /2848 workflows

• Structured income and tax data for underwriting models

• Reduced reliance on manual documents and borrower uploads

• Real-time IRS transcript access via 8821 /2848 workflows

• Structured income and tax data for underwriting models

• Reduced reliance on manual documents and borrower uploads

Talk to a Solutions Expert

Talk to a Solutions Expert

Underwriting Relies on Incomplete and Inconsistent Data

Underwriting Relies on Incomplete and Inconsistent Data

Lenders depend on borrower-submitted documents, PDFs, and fragmented data sources — leading to delays, inaccuracies, and increased fraud risk.

Lenders depend on borrower-submitted documents, PDFs, and fragmented data sources — leading to delays, inaccuracies, and increased fraud risk.

Manual income verification slows approvals

Borrowers submit documents that require manual validation and review.

Inconsistent and unreliable financial data

Different formats and sources make it difficult to standardize underwriting inputs.

Fraud and misrepresentation risk

Self-reported or altered documents create exposure in underwriting decisions.

Solutions

Arbo as the Data Layer for Modern Underwriting

Arbo as the Data Layer for Modern Underwriting

Arbo provides direct access to IRS data and transforms it into structured, usable formats — enabling lenders to validate income, standardize financial data, and improve underwriting accuracy. 

By replacing manual workflows with verified data pipelines, lenders can make faster, more reliable decisions.

Arbo provides direct access to IRS data and transforms it into structured, usable formats — enabling lenders to validate income, standardize financial data, and improve underwriting accuracy. 

By replacing manual workflows with verified data pipelines, lenders can make faster, more reliable decisions.

How It Works

From IRS Data to Underwriting Decisions

From IRS Data to Underwriting Decisions

  • Borrower Authorization

    Collect IRS authorization (8821 / 2848) within your application

  • Transcript Retrieval via API

    Retrieve IRS transcripts securely through Arbo

  • Data Normalization

    Convert raw tax data into structured income and financial fields

  • Underwriting Integration

    Feed standardized data into underwriting, scoring, or risk models

Core Use Cases

Where Arbo Improves Lending Workflows

Where Arbo Improves Lending Workflows

Income Verification

  • Validate borrower income using IRS transcripts

  • Reduce reliance on pay stubs and bank statements

  • Standardize income data across applicants

Underwriting & Risk Modeling

  • Normalize financial data for scoring models

  • Improve consistency across underwriting decisions

  • Enable data-driven risk assessment

Underwriting & Risk Modeling

  • Normalize financial data for scoring models

  • Improve consistency across underwriting decisions

  • Enable data-driven risk assessment

Fraud Reduction

  • Eliminate reliance on self-reported documents

  • Verify financial data directly from IRS sources

  • Reduce exposure to manipulated or incomplete data

KYB / Borrwer Financial Validation

  • Validate business income and tax filings

  • Support underwriting for SMB and self-employed borrowers

  • Standardize business financial inputs

KYB / Borrwer Financial Validation

  • Validate business income and tax filings

  • Support underwriting for SMB and self-employed borrowers

  • Standardize business financial inputs

Powered by Core Arbo's Infrastructure

Powered by Core Arbo's Infrastructure

Book a Demo

Book a Demo

IRS Data-as-a-Service

  • Transcript retrieval and normalization

  • Structured income and tax data layer

  • Authorized workflows

IRS Data-as-a-Service

  • Transcript retrieval and normalization

  • Structured income and tax data layer

  • Authorized workflows

Tax Monitoring & Analytics

  • Ongoing tracking of borrower financial data

  • Identification of inconsistencies or risks

Tax Monitoring & Analytics

  • Ongoing tracking of borrower financial data

  • Identification of inconsistencies or risks

Tax Baseline Report

  • Consolidated view of borrower financial position

  • Pre-underwriting insights

Tax Baseline Report

  • Consolidated view of borrower financial position

  • Pre-underwriting insights

Why Lenders Choose Arbo

Why Lenders Choose Arbo

Verified Data, Not Self-Reported Inputs

Access IRS-backed data instead of relying on borrower-provided documents

Structured Data for Underwriting Models

Faster Decision Cycles

Infrastructure

Secure, Compliant, and Built for Financial Data

Secure, Compliant, and Built for Financial Data

Secure Data Handling

Designed for sensitive tax and financial data workflows.

Secure Data Handling

Designed for sensitive tax and financial data workflows.

Permissioning & Audit Trails

Track data access, authorization, and usage.

Permissioning & Audit Trails

Track data access, authorization, and usage.

API-First Infrastructure

Integrate seamlessly into underwriting and decision systems.

API-First Infrastructure

Integrate seamlessly into underwriting and decision systems.

Upgrade Your Underwritng with Verified Tax Data

Retrieve IRS data, standardize financial inputs, and make faster, more reliable lending decisions.

Book a Demo

Book a Demo

Upgrade Your Underwritng with Verified Tax Data

Retrieve IRS data, standardize financial inputs, and make faster, more reliable lending decisions.

Book a Demo

Book a Demo

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