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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

June 23, 2026

8 Minutes Read

Real-Time EIN Verification for Loan Application Forms

How to add EIN verification to an application form without turning every typo into an automatic decline.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

IRS EIN Format Validation: Beyond Simple Regex

Why nine-digit format checks are only the first step before real IRS name and EIN validation.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

EIN Verification + SOS Data: The Two-Source Pattern

How to pair IRS TIN matching with Secretary of State entity verification for a cleaner KYB workflow.

Business Verification

Shela Heramis

June 23, 2026

8 Minutes Read

How to Integrate EIN Verification in Four Lines of Code

A compact integration pattern for sending business name and EIN to Cobalt's TIN/EIN verification endpoint.

Secretary of State API

Shela Heramis

June 23, 2026

11 Minutes Read

Cobalt SOS API vs OpenCorporates: Primary-Source Verification and Related-Entity Discovery

Compare Cobalt's primary-source SOS API with OpenCorporates on retrieval timing, officer and agent data, and finding related businesses linked to the same people.

Secretary of State API

Shela Heramis

June 23, 2026

8 Minutes Read

SOS Data Freshness: Real-Time vs Cached Records

A lender's guide to choosing live SOS lookups, cached pre-screening, and freshness rules for audit-ready verification.

Secretary of State API

Shela Heramis

June 23, 2026

8 Minutes Read

SOS API + EIN + UCC Bundle: The 3-Layer Verification Stack

How lenders combine SOS entity data, EIN validation, and UCC liens into a three-layer pre-funding verification stack.

Secretary of State API

Shela Heramis

June 17, 2026

11 Minutes Read

Build vs Buy SOS Verification: True Cost Analysis for CTOs

A true-cost framework for CTOs deciding whether to build SOS verification in-house across 50 states or buy it: labor, the maintenance tax, opportunity cost, and the decision math.

Business Verification

Shela Heramis

June 15, 2026

13 Minutes Read

How Should Risk and Underwriting Teams Use Automated Audit Trails for Credit Data Access?

Risk and underwriting guide to automated credit data audit trails, including SOS evidence, UCC coverage, screenshots, no-match reason codes, reviewer notes, and retention controls.

Business Verification

Shela Heramis

June 15, 2026

13 Minutes Read

What's the Best API for Real-Time Business Identity Verification and Fraud Checks?

Lender guide to real-time business identity verification and fraud checks using SOS records, TIN/EIN validation, UCC evidence, OFAC screening, screenshots, and exception routing.