By
Shela Heramis
August 12, 2024
Aug 12, 2024

Top 34 Questions about Secretary of State API | Business Verification API

Explore 34 key questions about the Secretary of State API, covering real-time data retrieval, fraud detection, compliance, and integration capabilities.

Secretary of State API
By
Shela Heramis
March 8, 2024
April 8, 2024

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
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By
Shela Heramis
August 9, 2026
August 7, 2026
12 Minutes Read

Massachusetts Took $2.5M Over AI Underwriting, Using a Theory Federal Law Dropped on July 21

Regulation B covers business credit, so the effects test left your merchant files too. New Jersey's statute reaches any loan for whatever purpose, and it did not move.

Business
Alternative Credit Data
Alternative Lending
Credit
Financing
article card imageBusiness Verification
By
Shela Heramis
August 4, 2026
August 7, 2026
14 Minutes Read

Officer and Member Changes as an Early Business Fraud Signal

States record no filing when ownership changes, and US entities no longer report beneficial owners. What officer monitoring can and cannot tell a lender.

Fraud
Business
Risk Assessment
Underwriting
Alternative Lending
article card imageBusiness Verification
By
Shela Heramis
August 3, 2026
August 6, 2026
15 Minutes Read

Entity Status Changes: From Active to Delinquent and What Happens Next

When a borrower's Secretary of State status leaves Active, a cure window opens that varies by state. What each status costs a lender, and how long there is to act.

Business
Compliance
Risk Assessment
Alternative Lending
Lending
article card imageNews
By
Shela Heramis
August 7, 2026
August 5, 2026
11 Minutes Read

Banks Loosened Business Credit Past Its Historical Midpoint, Citing Nonbank Competition

The Fed's July survey, released August 3, puts every other loan category at the tight end of its range since 2005, including the credit banks extend to nonbank lenders.

Alternative Credit Data
Alternative Lending
Business
Credit
Financing
article card imageBusiness Verification
By
Shela Heramis
August 4, 2026
August 4, 2026
14 Minutes Read

What a Registered Agent Change Tells a Lender About Borrower Risk

A registered agent change is mostly noise. The one case that matters is a resignation with no replacement, which opens a statutory window ending in involuntary termination.

Business
Risk Assessment
Underwriting
Alternative Lending
Lending

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

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