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

Alternative Financing

Shela Heramis

February 12, 2026

March 4, 2026

8 Minutes Read

Colony Ridge Pays $68M: The DOJ Enforcement Path Most Lenders Aren't Watching

DOJ Civil Rights Division secured $68M from Colony Ridge for predatory lending. ECOA enforcement applies to any credit extender, including non-bank lenders and MCA funders.

Business Verification

Shela Heramis

January 27, 2026

March 4, 2026

15 Minutes Read

New Jersey Business Entity Verification: What Alternative Lenders Need to Know

Guide to New Jersey entity verification for alternative lenders. Covers the eight Division of Revenue statuses including Forfeited, the two-year filing rule, and risk-tier mapping for automated underwriting.

Alternative Financing

Shela Heramis

February 12, 2026

March 3, 2026

7 Minutes Read

The Non-Bank Lending Boom Is Starting to Crack: What Alternative Lenders Need to Watch

Private credit CRE foreclosures surged 82% and defaults hit 7.4%. The BDCs absorbing these losses provide warehouse lines to alternative lenders, creating cross-vertical contagion risk.

Business Verification

Shela Heramis

January 27, 2026

Marrch 3, 2026

12 Minutes Read

Alabama Business Entity Verification for Alternative Lenders

Alabama ranks among the top 25 states for small business lending activity, with over 180,000 registered business entities. The state's Secretary of State database uses unique terminology that can trip up underwriters unfamiliar with Alabama's system. This guide breaks down Alabama's entity statuses, explains what each means for lending decisions, and shows how to automate verification to reduce manual research time.

News

Shela Heramis

March 3, 2026

March 2, 2026

6 Minutes Read

3rd Double-Pledging Fraud Hits Apollo, Barclays, Wells

Barclays lost $800M. Expect tighter warehouse covenants.

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