Cobalt Intelligence Secretary of State API

Cobalt Intelligence can automate thousands of Secretary of State lookups

Countless hours manually performing Secretary of State lookups is a pain. It's a tedious and costly process that eats up valuable time. Not anymore!

Secretary of State API

Business Verification

Shela Heramis

January 27, 2026

February 2, 2026

18 Minutes Read

California Business Entity Verification: What Alternative Lenders Need to Know

California represents the largest state market for alternative business lending in the United States, with over 4.2 million active business entities registered with the California Secretary of State as of 2024. For alternative lenders, California verification presents a unique challenge that no other state shares: a dual-agency suspension system where both the Franchise Tax Board (FTB) and Secretary of State (SOS) can independently suspend an entity's powers.

Alternative Financing

Shela Heramis

January 7, 2026

January 30, 2026

6 Minutes Read

Beyond Entity Status: Automating Know Your Business and Beneficial Owner Verification

Verifying that a business exists is step one. Verifying who owns and controls that business—the Ultimate Beneficial Owners—is where compliance requirements get serious.

News

Shela Heramis

February 1, 2026

January 30, 2026

6 Minutes Read

Equifax's New Credit Abuse Model Targets Loan Stacking

Real-time detection for prequalification and origination

Business Verification

Shela Heramis

January 31, 2026

January 23, 2026

14 Minutes Read

Texas Business Entity Verification: What Alternative Lenders Need to Know

Texas ranks among the top states for business entity formations, with over 3.2 million active entities. For alternative lenders, Texas verification presents unique challenges with terminology like Suspense and Involuntary Termination. This guide examines which statuses trigger automatic decline versus manual review.

News

Shela Heramis

January 29, 2026

6 Minutes Read

Fed Holds at 3.5%: Regional Banks Now Chasing Commercial Deals

Where to Compete When Banks Take the Easy Credits

Access Real-Time Secretary of State Data and Automate your underwriting process. We help Alternative Funders work smarter through AI Technology. Get our FREE AI Tools here