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 27, 2026

10 Minutes Read

Arizona Business Entity Verification for Alternative Lenders

Arizona returns one of the simplest entity status sets of any state: just Active or Inactive. While this simplifies decisioning logic, it also means lenders receive less context about why a business may be inactive. With over 600,000 registered business entities and a growing small business lending market centered in Phoenix, Maricopa County, and Tucson, Arizona verification requires strategies that account for limited status granularity.

Business Verification

Shela Heramis

January 27, 2026

February 26, 2026

18 Minutes Read

California Business Entity Verification: What Alternative Lenders Need to Know

California represents the largest state market for alternative business lending in the United States, with over 4.2 million active business entities registered with the California Secretary of State as of 2024. For alternative lenders, California verification presents a unique challenge that no other state shares: a dual-agency suspension system where both the Franchise Tax Board (FTB) and Secretary of State (SOS) can independently suspend an entity's powers.

Business Verification

Shela Heramis

January 27, 2026

February 25, 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 24, 2026

10 Minutes Read

Kansas Business Entity Verification: What Alternative Lenders Need to Know

Kansas offers alternative lenders a moderately complex Secretary of State status system with 8 distinct categories, including uniquely descriptive status names like 'Forfeited - Failed to Timely File I/R' that explicitly explain the reason for adverse action. For lenders processing Midwest and Plains state deal flow, Kansas's transparent status naming provides clearer risk signals than states with more opaque terminology.

News

Shela Heramis

February 25, 2026

February 23, 2026

6 Minutes Read

First CFL License Granted for Commercial Lending in CA

California Grants First Commercial Lender License Under Financing Law

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