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 16, 2026

12 Minutes Read

Georgia Business Entity Verification for Alternative Lenders

Georgia ranks among the top 10 states for small business activity, with Atlanta serving as a major hub for alternative lending. The Georgia Secretary of State uses unique status terminology including 'Active/Compliance' and 'Active/Noncompliance' that provides granular insight into entity health. This guide maps Georgia's 13 entity statuses to lending decisions and explains how to handle the state's compliance-focused status system.

News

Shela Heramis

February 15, 2026

February 13, 2026

10 Minutes Read

Congress Moves to Kill State Rate Caps on Lenders

DIDMCA Opt-Out Wave Spreads Beyond Colorado

Business Verification

Shela Heramis

January 27, 2026

February 12, 2026

10 Minutes Read

Connecticut Business Entity Verification for Alternative Lenders

Connecticut's business-dense corridor between New York and Boston includes significant alternative lending activity across Hartford, New Haven, and Fairfield County. The Connecticut Secretary of State uses straightforward 'Active' terminology but includes unique statuses like 'Forfeited' and 'Renunciated' that require specific interpretation. This guide maps Connecticut's eight entity statuses to lending decisions.

News

Shela Heramis

February 12, 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.

News

Shela Heramis

February 12, 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.

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