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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

Business Verification

Shela Heramis

August 4, 2026

13 Minutes Read

Manual Re-Verification vs Automated Change Detection: The Real Cost Comparison

Manual re-verification is competitive at annual frequency, and annual frequency is insufficient for secured exposure. The cost comparison that actually decides it.

Business Verification

Shela Heramis

August 4, 2026

13 Minutes Read

Which Borrowers Need Continuous Secretary of State Monitoring? A Tiering Framework

Uniform monitoring overspends on stable exposure and underspends on the risky part of the book. A tiering framework built on six variables.

Business Verification

Shela Heramis

August 4, 2026

13 Minutes Read

The First 24 Hours After a Borrower Entity Status Alert

Preserve the record before you call the borrower. An hour-by-hour runbook for the first day after an entity status alert.

Business Verification

Shela Heramis

July 31, 2026

10 Minutes Read

Business Monitoring: Automated Secretary of State Change Detection for Lenders

Cobalt Business Monitoring re-checks a business's Secretary of State record on your schedule and sends every change to your webhook. One credit per check.

Alternative Financing

Shela Heramis

July 30, 2026

July 29, 2026

18 Minutes Read

Court Records for Distressed-Debt Acquisition Due Diligence

Buying defaulted paper turns on whether the judgment behind it is real, unsatisfied and still enforceable. How to size the verifiable share of a portfolio.

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

19 Minutes Read

Court Records for Cannabis Industry Lending Risk

Plant-touching cannabis operators largely cannot use federal bankruptcy, so distress surfaces in state court receiverships instead. Why state records carry extra weight here.

Alternative Financing

Shela Heramis

July 30, 2026

July 29, 2026

20 Minutes Read

Court Records for Distressed Asset Lending Decisions

When you lend into distress, litigation is expected. The question is whether it changes your recovery position, and who already holds a perfected lien ahead of you.

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

19 Minutes Read

Court Case Data for Manufacturer Lending Underwriting

In manufacturing, a contract dispute names the counterparty your borrower's revenue depends on. How litigation reveals customer concentration the financials obscure.

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

19 Minutes Read

Court Records for Trucking and Transportation Lending

Trucking carries catastrophic tail risk, so a pending case can matter more than a closed judgment. How court data and FMCSA safety scores answer different questions.

Alternative Financing

Shela Heramis

July 30, 2026

July 29, 2026

20 Minutes Read

Court Records for Restaurant Industry Lending

A landlord nonpayment proceeding is usually the earliest hard signal a restaurant is failing. Which case types predict distress and which ones are just noise.