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Business Verification Entity checks, records, and verification workflows.Secretary of State API State lookups, fields, statuses, and integration decisions.Alternative Financing Underwriting and lending operations.Industry News Market moves, regulation, and alternative-finance developments.

Also exploreAI & Automation ↗AI Fintech ↗

A GOOD PLACE TO BEGIN

Start with what you need

Learn a methodSOS API data coverage checklist ↗A practical way to compare state data and API coverage.See a customer exampleHow 1West automated SOS verification ↗A published customer case study.Meet CobaltFounder Jordan Hansen ↗The person and story behind Cobalt Intelligence.

Latest articles

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Business Verification

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September 9, 2026

October 26, 2026

10 Minutes Read

A 200 Response Is Not a Completed Multi-State Business Verification

Handle partial multi-state verification results without marking the lending review complete before its required evidence arrives.

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October 26, 2026

October 23, 2026

10 Minutes Read

Enova's SMB delinquency rate hits 7.8%

Enova writes small-business loans off only after about 90 days of delinquency, so charge-offs trail the 30-day line.

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Business Verification

By

September 9, 2026

October 23, 2026

10 Minutes Read

A TIN Match Has a Timestamp: Decide Whether the Evidence Is Fresh Enough

Keep the IRS check date separate from response arrival, then decide whether a TIN result meets the current lending file requirements.

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Business Verification

By

September 9, 2026

October 22, 2026

11 Minutes Read

When a UCC API Returns 30 Filings but Reports More: A Lender Completeness Check

Compare UCC result counts, identify missing filings and give collateral reviewers a clear retrieval task before closing the review.

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October 23, 2026

October 21, 2026

Triumph's average freight bill jumps 31%

By our math, two-thirds of Triumph's growth came from bigger invoices. Why trucking deposits are a weaker guide to what carriers can repay.

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Business Verification

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September 4, 2026

October 21, 2026

17 Minutes Read

How to Check Puerto Rico Business Status Before Funding

A lender workflow for using Puerto Rico registry status as evidence, retaining the raw source value, and routing exceptions before funding.

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Business Verification

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September 4, 2026

October 20, 2026

15 Minutes Read

Business Name Autocomplete for Lenders: Select an Entity Before You Search Its SOS Record

Use business name autocomplete as a candidate-selection step before a full Secretary of State search, with clear fallbacks and lender-owned review rules.

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October 21, 2026

October 19, 2026

U.S. Bank reserves $190M on Amazon cards

A national bank is buying its way into small-business credit. What that means for funders' best merchants, and where the card debt hides

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Business Verification

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September 4, 2026

October 19, 2026

13 Minutes Read

What to Store From Business Monitoring Webhooks for a Defensible Change History

Preserve monitoring source events, delivery receipts, customer rules, dispositions, and corrections as a replayable evidence history.

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October 19, 2026

October 16, 2026

Fed's Beige Book names MCAs for payroll

Kansas City contacts report tighter SBA standards alongside MCA use; Atlanta contacts say institutions left SBA lending