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 12, 2026

13 Minutes Read

A Monitoring Alert Is Not a Credit Decision: Designing the Customer Rule Layer

Keep monitoring signals separate from credit decisions by applying lender-owned severity, exposure, timing, and customer-context rules.

News

Shela Heramis

October 12, 2026

October 9, 2026

10 Minutes Read

SBA approved 21,881 fewer 7(a) loans

By percentage, loans of $350,000 to $500,000 fell hardest, and tighter rules took effect Oct. 1

Business Verification

Shela Heramis

September 4, 2026

October 9, 2026

10 Minutes Read

Designing an Async Court Records Check Without Stalling the Underwriting Queue

Design an asynchronous court-record check that lets unrelated underwriting work continue while policy controls the final funding gate.

Business Verification

Shela Heramis

September 4, 2026

October 8, 2026

10 Minutes Read

Coverage-First Court Record Screening: Check Jurisdiction Before Ordering the Search

Confirm jurisdiction and source coverage before ordering a court-record search so empty results are not mistaken for clean evidence.

News

Shela Heramis

October 9, 2026

October 7, 2026

9 Minutes Read

GPU share of $869M ABS goes undisclosed

A lender reading the public releases cannot tell how much is AI chips

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