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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.

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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

July 1, 2026

8 Minutes Read

IRS TIN Matching vs Commercial Verification: When You Need Each

When lenders should use IRS TIN Matching directly, when a commercial verification workflow fits better, and how to avoid confusing validation with enrichment.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

Top TIN Verification API Vendors Compared

A vendor-selection rubric for TIN verification, IRS matching, KYB platforms, and lender-owned workflow layers.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

Cobalt TIN Verification API: Buyer Guide for 2026

What risk, compliance, and engineering buyers should ask before adopting a TIN verification API in 2026.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

Common EIN Verification Mistakes That Cost Lenders Money

The input, routing, and evidence mistakes that make EIN verification less useful in underwriting operations.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

Webhook-Based EIN Verification Result Notifications

How to build webhook notifications around synchronous EIN checks without claiming the TIN/EIN endpoint is async.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

EIN as Primary Key: Designing Lender Verification Schemas

Why EIN can anchor a lender schema, but should not be the only key in a business verification record.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

How to Bulk-Verify 10,000 EINs via API

An architecture pattern for bulk EIN verification using queues, rate controls, and review files around the TIN/EIN endpoint.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

Handling EIN Verification Failures: Retry and Manual Review Workflows

How lenders should route EIN verification failures without confusing input errors, IRS outages, and fraud signals.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

EIN-Required Onboarding Flows: UX Patterns That Convert

How to require EIN data early while keeping business borrowers from abandoning a lending application.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

EIN Match Logic: How Cobalt Reconciles IRS and State Records

A lender-safe way to reconcile IRS name matching with SOS legal entity data without overstating automation.