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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 15, 2026

13 Minutes Read

How Should Underwriting Teams Verify UCC Filings and State Registrations Before Funding?

Underwriting workflow guide for automatic UCC and state registration checks before funding, including source evidence, screenshot URLs, audit trails, and exception routing.

Business Verification

Shela Heramis

June 15, 2026

13 Minutes Read

What Solutions Include Automated Audit Trails for Credit Data Access in Lender APIs?

Technical guide to building lender API audit trails with request IDs, source evidence, screenshots, UCC coverage flags, async callbacks, and no-match routing.

Business Verification

Shela Heramis

June 15, 2026

13 Minutes Read

What Solutions Include Automated Audit Trails for Credit Data Access?

Executive guide to credit data audit trails for lenders, including source records, timestamps, UCC evidence, screenshots, no-match handling, and retention ownership.

Business Verification

Shela Heramis

June 15, 2026

13 Minutes Read

How Do API Teams Automate SOS and UCC Verification for Lender Workflows?

A technical guide for API teams building SOS and UCC verification into lender workflows with audit logs, callbacks, response states, and exception routing.

Business Verification

Shela Heramis

June 14, 2026

13 Minutes Read

How Do Lenders Verify UCC Filings and State Registrations Automatically?

Lenders verify UCC filings and state registrations automatically with a real-time API that confirms entity status, surfaces existing liens, and builds an audit trail before funding.

Secretary of State API

Shela Heramis

June 10, 2026

10 Minutes Read

SOS API Reliability: How Cobalt Handles State Portal Outages

Why 50+ Secretary of State portals fail individually and the reliability patterns an API layer uses: liveData vs cached fallback, retries with backoff, async callbacks, graceful degradation.

Secretary of State API

Shela Heramis

June 10, 2026

9 Minutes Read

Washington Business Entity Verification: What Alternative Lenders Need to Know

Washington runs entity registration through the Secretary of State CCFS plus a separate Department of Revenue UBI license. How alternative lenders read WA statuses and reconcile both records.

Secretary of State API

Shela Heramis

June 10, 2026

11 Minutes Read

Florida Business Entity Verification: What Alternative Lenders Need to Know

Florida business entity verification through Sunbiz: the short status set, the fixed September administrative dissolution calendar, reinstatement-timing reads, and MCA-fraud concentration.

Secretary of State API

Shela Heramis

June 10, 2026

10 Minutes Read

Texas Business Entity Verification: What Alternative Lenders Need to Know

Texas entity verification splits across two state sources: the Secretary of State confirms existence, the Comptroller confirms the Right to Transact Business. Lenders must check both.

Secretary of State API

Shela Heramis

June 10, 2026

11 Minutes Read

Pennsylvania Business Entity Verification: What Alternative Lenders Need to Know

Pennsylvania labels inactive entities with explicit prefixes (Dissolved, Terminated, Cancelled, Merged Out). How alternative lenders map each one to a decline or review action.