Cobalt Intelligence Secretary of State API

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Secretary of State API

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.

News

Shela Heramis

February 12, 2026

7 Minutes Read

Morgan Stanley Warns of Growing Risk in Software Lending: What Asset-Backed Lenders Should Know

Morgan Stanley flags $235B software lending risk: 50% of loans rated B- or lower, 30% mature by 2028. BDC losses will tighten capital for alternative lenders.

News

Shela Heramis

February 12, 2026

8 Minutes Read

Trust Science Acquires Lenders API to Build Consortium Fraud Defense for Lenders

Trust Science acquired Lenders API to build consortium fraud defense. The system targets loan stacking, bust-out fraud, and synthetic identity fraud through anonymized cross-lender data sharing.

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