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Plans & add-ons

Pick the plan that grows with your loan portfolio.

Pricing scales with how you do SBA underwriting — pay per pull, prepay a deposit, or run on the Platform tier with API access. Add-ons turn each funded loan into recurring revenue. Effective 2026-08-07.

No setup fee on PAYG Switch tiers any time 3 free trial pulls
Tier A · Pay-As-You-Go
Best for <15 verifications / month
from $39.99 / verified entity
 
Billed monthly for what your team actually pulled. No commitment, no deposit.
  • Unlimited team seats
  • CSV / PDF / email intake
  • Auto-sent 8821s via Dropbox Sign
  • Return Transcripts + Records of Account
  • Compliance flag screening
  • 3 free trial pulls
Start PAYG
Active by default · no charge until pull #4
Tier C · Platform
For lenders & LOS platforms building on our API
from $39.99 / verified entity
Platform subscription + API access
Priced for capability, not loan count — the subscription buys the platform and the per-pull rate is a floor beneath it. Not a volume tier: heavy pullers save on Deposit packs.
  • Everything in Deposit
  • Monthly platform credits
  • REST API + webhook delivery
  • White-label borrower doc hub
  • Dedicated CSM + same-day SLA
  • SOC 2 documentation
Book a demo
Platform subscription · sandbox keys same day

All tiers include audit logging, MFA, and IRS Practitioner Priority Service routing. Tier upgrades require an MSA signature. Reselling under your own brand? The wholesale lane is built for that against a committed monthly minimum.

Add-ons

Add-ons that extend each funded loan.

Every plan tier supports these add-ons. They turn one-time per-pull revenue into ongoing per-loan revenue across the full 25-year SBA loan life.

Post-Close Monitoring

You are billed only when a fresh transcript actually lands
When a borrower owes a tax return as a closing condition, enroll the entity at intake. We re-poll the IRS until the conditioned transcript arrives, then auto-cancel. Empty checks cost nothing — the fee applies only when a pull returns something new, which is the billing-surprise every processor has been burned by.
$39.99 / update
Billed per landed update, never per check. Auto-cancels once the conditioned transcript arrives — no unenroll cleanup.
1

Opt in at intake

Per-entity checkbox on every intake flow. Manager can also flip on team-wide auto-enroll from the dashboard.

2

Scheduled IRS sweep

We re-pull Records of Account on a configurable cadence using the same expert pipeline. A sweep that finds nothing new is not billed.

3

Auto-cancel on landing

The moment the conditioned transcript lands, the enrollment closes itself. Nothing ever re-pulls without you opting in first.

4

Compliance screening

Every pull runs the flag screener — CLEAN / WARNING / CRITICAL tags so servicing can triage at a glance.

Cash-Flow Analysis Pack

Skip 30 minutes of underwriter Excel work
An SBA-format 3-year cash-flow worksheet, auto-rendered from each entity's transcripts the moment they're complete. Gross receipts, total income, deductions, net income, total tax — all five lines pre-filled. Add-back rows wait for the underwriter to fill in.
Per loan
Generate per-entity on demand, or auto-attach team-wide from the manager panel.
1

Generate per-entity

On any completed entity, the "+ Cash-Flow Pack" button renders the PDF in seconds. Two-step confirm prevents accidental spend.

2

Or auto-attach

Manager toggles "Auto-attach" in the team panel. Every newly-completed entity gets the pack generated + billed automatically.

3

SBA-format worksheet

Three-year side-by-side: gross receipts → total income → deductions → net income → total tax. Sources cited at the bottom.

4

Underwriter fill-in

Pre-formatted rows for depreciation, interest, owner comp, non-recurring. Adjusted Cash Flow row in green at the bottom.

ERC / 941 Analysis

Per quarter
For ERC-recovery firms working stuck claims

We pull the 941 Account Transcripts, parse the IRS transaction codes (TC 766 / 846 / 740 / 290 / 470 / 971), and deliver an auto-generated per-quarter status report: refund paid, claim pending, denied, or check returned undelivered.

  • Up to 3 ERC quarters + report
  • Full sweep — all 6–7 eligible quarters

Check Reissue Recovery

Per check
When a refund came back undelivered

When the ERC report surfaces a refund-returned-undelivered status, we recover it on the client's behalf. Flat fee per check — typically 30–50× ROI relative to the refund being recovered.

  • File Form 8822-B to update address of record
  • Call IRS Business line to request reissue
  • Track to delivery + confirm with client

Entity Transcript

Included
On every business verification, at no charge

We confirm each entity’s actual election status before pulling, so a request never comes back no-record because someone guessed 1065 instead of 1120S. Also returns filing requirements, NAICS, and establishment date for size-standard and KYB checks.

  • Election status confirmed before we pull anything
  • Filing requirements + NAICS + establishment date

Reorder from History

Per entity
50% off a new verification

Re-pull a prior entity for new years (e.g. an amended 2024 return just landed). We reuse the existing 8821 inside the 120-day window — no CSV upload, no re-signature, no full rate.

  • 8821 + OCR results cached — one-click reorder
  • Expert PPS time ~30% of a new pull

Loan-Package Consolidation

Per loan
3+ entities · sold per-loan

One PDF that consolidates findings across every entity on a multi-entity loan: filing status, no-record-found years with reason codes, civil penalty flags, aggregate balance-due exposure, and a recommended underwriter next-step.

  • Built for 15-affiliate-loan portfolio cases
  • For the underwriter / credit officer, not the processor

Payroll (941) Liability Report

Per entity
The liability an income transcript won’t show

Form 941 account transcripts plus outstanding payroll-tax and Trust-Fund exposure. Distinct from the ERC analysis — this is the one that catches a business current on its 1120S but behind on withholding.

  • Outstanding payroll-tax + Trust-Fund exposure
  • Quarter-by-quarter, all four quarters per year

Back-Year Filing / Cure

Per return-year
Per return-year · clears the condition instead of waiting on it

When a no-record year is blocking a close, we prepare and file the missing return so the transcript exists. Turns an open closing condition into a completed one rather than something monitoring waits on indefinitely.

  • Priced per return-year, quoted before we start
  • Pairs with monitoring to confirm the filing landed

Premium SLA

Account upgrade
Same-day target on every pull

Upgrade your whole account to a same-day turnaround target. Your loans get expert-routing priority, a Premium SLA badge across customer-facing surfaces, and dedicated SLA monitoring on every request.

  • Same-day target (vs 24–48h standard)
  • Expert-routing priority + escalation
FAQ

Questions, answered.

Can I switch tiers mid-month?
Yes. Tier changes take effect immediately — your per-pull rate updates on the next verification. PAYG → Deposit locks the lower rate the moment the deposit balance is funded; Deposit → Platform starts the subscription instantly. Downgrades apply at the start of the next billing cycle so you keep the rate you prepaid for.
What happens to my prepaid Tier B balance if I leave?
Your prepaid balance never expires while your account is active, and unused balance is refundable on request when you close the account. Each verification simply draws against it at the locked rate — there's no monthly "use it or lose it" minimum.
Will you re-pull and bill me automatically?
No — and nothing re-pulls on its own either. Monitoring is opt-in per entity, and it bills $39.99 only when a sweep actually returns a fresh transcript. A check that finds nothing new costs nothing. Once the conditioned transcript lands the enrollment auto-cancels itself; you can also cancel early from the dashboard at any time.
Can I generate a Cash-Flow Pack on a loan I already closed?
Yes — as long as the entity's transcripts are complete in your history, the "+ Cash-Flow Pack" button is available on the request detail page at any time. It renders from the stored transcript data, so there's no need to re-pull.
Is the Cash-Flow Pack acceptable for SBA submission?
The worksheet follows the standard SBA 3-year cash-flow format and cites its source transcripts (e.g. "1120S Record of Account 2024") at the bottom of each column. The five income lines are pulled directly from IRS data; the underwriter completes the add-back rows and signs off, as they would on any internally-prepared analysis.
Do I get charged for a rejection or a no-record?
Rejections are never billed — bad EIN, name mismatch, signer not on record, all free, and we tell you the specific field to fix. A definitive "no record of return filed" does bill at the full per-entity rate, because it’s a real underwriting finding: it tells you that year is unfiled. Abandoned or incomplete pulls are not billed.
Who generates the 8821 — and do you contact our borrower?
You enter the entity details once and download a fully pre-populated 8821 — taxpayer name, TIN, address, form, years, and our CAF information already filled in, with only the signature and date left blank. It goes into your loan docs and through your own signature process. We never email, call, or text your borrower unless you explicitly ask us to route signatures for you.
What's included in the trial?
Three free verified-entity pulls, shared across your entire team, with full portal access — all intake methods, entity-transcript detection, compliance screening, and transcript delivery. No credit card required to start; you're only prompted for a payment method when you place your fourth pull.

Ready to extend each loan?

A 15-minute call walks you through the right tier + add-ons for your loan volume. We'll set up a free trial in real time.