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

October 16, 2026

13 Minutes Read

When Business Monitoring Should Stop: Loan Payoff, End Dates, and Account Closure Controls

End active business monitoring deliberately at payoff, account closure, or a defined date while preserving the evidence required by policy.

Business Verification

Shela Heramis

September 4, 2026

October 15, 2026

13 Minutes Read

A Business Disappeared From the State Registry: How to Route the Monitoring Alert

Investigate a found-to-missing state-registry transition through provenance, source, identity, and policy checks before taking credit action.

Business Verification

Shela Heramis

September 4, 2026

October 14, 2026

13 Minutes Read

A Borrower Changed Its Legal Name: Which Verification Checks Should Lenders Re-run?

When a borrower changes its legal name, re-run the identity-dependent tax, UCC, court, and monitoring checks that the change can affect.

Business Verification

Shela Heramis

September 4, 2026

October 13, 2026

13 Minutes Read

Not Found Today, Registered Tomorrow: Monitoring Pending Business Formations

Treat not found as a monitored state for pending formations, with retry timing, identity controls, and a clear route when registration appears.

News

Shela Heramis

October 14, 2026

October 12, 2026

10 Minutes Read

True Food Kitchen owes $11M on three MCAs

None of the three funders appears on the top-30 unsecured list, and Parafin's agreement faces a rejection motion

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