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 10, 2026

11 Minutes Read

Illinois Business Entity Verification for Alternative Lenders

Illinois ranks among the top 5 states for small business activity, with Chicago driving significant alternative lending volume. The Illinois Secretary of State uses a 'Not Good Standing (NGS)' status that is common and often indicates just a missed annual report. This guide maps Illinois's 9 entity statuses to lending decisions and explains how to handle the frequently encountered NGS status.

Business Verification

Shela Heramis

February 9, 2026

2026-01-26

15 Minutes Read

Delaware Business Entity Verification: What Alternative Lenders Need to Know

Delaware returns 20 distinct entity statuses, the most of any state, and charges $15-$20 per lookup. Only Good Standing is safe to fund. This guide maps all 20 statuses to lending decisions for alternative lenders.

Business Verification

Shela Heramis

January 27, 2026

February 9, 2026

11 Minutes Read

Hawaii Business Entity Verification for Alternative Lenders

Hawaii's remote location and unique business environment create specific verification challenges for alternative lenders. The Hawaii Department of Commerce uses abbreviated status codes like 'Nm. Chg.', 'Adm. Term.', and numeric delinquency indicators '1' and '2' that require interpretation. This guide maps Hawaii's 20 entity statuses to lending decisions and decodes the state's abbreviated terminology.

Business Verification

Shela Heramis

January 27, 2026

February 9, 2026

15 Minutes Read

Delaware Business Entity Verification for Alternative Lenders

Delaware is the premier incorporation state, with over 1.5 million registered business entities and a court system specifically designed for business disputes. For alternative lenders, Delaware verification presents unique challenges: status checks cost $15-$20, the state returns 20 distinct statuses, and only 'Good Standing' indicates a business is truly safe to fund. This comprehensive guide maps Delaware's complex status system to lending decisions.

News

Shela Heramis

February 8, 2026

February 6, 2026

6 Minutes Read

$134M CashCall Ruling: What MCA Lenders Can't Ignore

50 State AGs vs. One CFPB: New Enforcement Reality

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