Cobalt Intelligence Secretary of State API

Cobalt Intelligence Can Automate Thousands of Secretary of State Lookups

How high-volume alternative lenders automate thousands of Secretary of State lookups per month, where per-lookup fees compound, and how to size verification ROI.

Secretary of State API

Business Verification

Shela Heramis

September 4, 2026

September 29, 2026

10 Minutes Read

DBA vs Legal Entity: Resolve the Borrower Before Business Verification

Resolve a borrower's DBA to the correct legal entity before Secretary of State, TIN, UCC, court, or monitoring checks begin.

Business Verification

Shela Heramis

September 4, 2026

September 28, 2026

13 Minutes Read

Point-in-Time KYB vs Ongoing Entity Monitoring for Commercial Loan Portfolios

Compare origination-time KYB with ongoing entity monitoring, then design baselines, change events, alert routing, cadence, and lifecycle controls.

News

Shela Heramis

September 28, 2026

September 25, 2026

8 Minutes Read

Two lenders drove 84% of SBA defaults

A federal watchdog says the SBA stopped examining its nonbank 7(a) lenders in 2023, as $1.3 billion of loans entered liquidation.

Business Verification

Shela Heramis

August 27, 2026

September 25, 2026

5 Minutes Read

How to Evaluate Business Verification Vendors by Their Limitations

A limitation-first vendor evaluation that turns coverage, freshness, delivery, ambiguity, completeness, and decision boundaries into production tests and fallbacks.

Alternative Financing

Shela Heramis

August 27, 2026

September 24, 2026

6 Minutes Read

How to Build a UCC Coverage Roadmap and Safe Fallbacks

A coverage-first UCC workflow that interprets results only after jurisdiction, debtor identity, source support, filing types, and fallbacks are proven.

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