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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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Secretary of State API

By

September 11, 2026

November 13, 2026

14 Minutes Read

Batch Business Verification: Preserve the Applicant Name and the Name Actually Searched

Batch business verification: Make name cleanup reproducible and auditable across a batch.

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Secretary of State API

By

September 11, 2026

November 12, 2026

15 Minutes Read

Several SOS Records Look Right: How to Review Alternative Matches Before Funding

SOS records: Prevent the first returned business from becoming the borrower by default.

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By

November 13, 2026

November 11, 2026

HLEND Caps Exits Again as Its Book Shrinks $3B

HPS Corporate Lending Fund has paid only part of its exit requests for three quarters and opened another 5% offer. What that means for fintechs funded by forward flow or warehouse lines, and for trade credit providers.

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Secretary of State API

By

September 11, 2026

November 11, 2026

15 Minutes Read

The State Registry Has the Business but the API Does Not: A Lender Escalation Checklist

State registry: Give reviewers a reproducible route when direct state evidence conflicts with a lookup result.

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Business Verification

By

September 11, 2026

November 10, 2026

14 Minutes Read

A Court Case Is Closed: Read the Disposition Before Updating the Credit File

Court case is closed: Require the actual outcome before labeling a closed case as a win, loss or ongoing exposure.

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By

November 11, 2026

November 9, 2026

SBA begins replacing ETRAN for 7(a) loans

SBA says iCAP moves 7(a) fraud and eligibility checks to the front of the file, months after an Inspector General report found the old screen did not fully cover three of six eligibility tests.

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Secretary of State API

By

September 11, 2026

November 9, 2026

14 Minutes Read

Expiring Registry Document Links: Keep the Filing Evidence Your Loan File Needs

Expiring registry document links: Prevent a stored link from being mistaken for durable filing evidence.

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By

November 9, 2026

November 6, 2026

JPMorgan reported 242K fewer small-firm loans

The 2025 CRA data show 217,253 fewer bank loans to firms with $1 million or less in revenue. Bank-level files put more than all of that drop at one bank.

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Business Verification

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September 11, 2026

November 6, 2026

14 Minutes Read

Two Business Names Match One EIN: What Should the Underwriter Verify Next?

Business names match one EIN: Avoid treating a name-control match as unique entity identification.

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Business Verification

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September 9, 2026

November 5, 2026

11 Minutes Read

One Business, Two Platform Customers: Keep Verification Evidence Separate by Tenant and Application

Keep shared business identity separate from each platform customer, application and verification revision when storing and retrieving evidence.