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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

June 3, 2026

July 28, 2026

7 Minutes Read

Court Records for SBA Lending Compliance

How SBA 7(a) and 504 lenders use business litigation and judgment signals from court records to support eligibility and character diligence under SBA SOP 50 10, with honest coverage limits.

News

Shela Heramis

July 29, 2026

July 27, 2026

9 Minute Read

SBA Pushes $10M Loans as Defaults Hit a 12-Year High

One borrower can now stack $5M of 7(a) on $5M of 504. The taxpayer guarantee cap never moved

Business Verification

Shela Heramis

June 3, 2026

July 27, 2026

7 Minutes Read

Judgment Lien Searches via Court Records API

How lenders use court-records data to surface judgment liens against a borrowing business, route by judgment count, amount, and recency, and connect judgments to repayment and collateral risk.

News

Shela Heramis

July 29, 2026

July 24, 2026

8 Minutes Read

Credit Washers Erased $10B. Their Files Score Prime

Suppressed charge-offs default at 12x the clean-file rate; auto fraud losses tripled to $323M

Business Verification

Shela Heramis

June 3, 2026

July 24, 2026

7 Minutes Read

Federal Court Records vs State Court Records: What Lenders Should Check

Federal court records versus state court records explained for lenders: what each covers, when to check which, and where a targeted state court-records API fits in underwriting diligence.

Business Verification

Shela Heramis

June 3, 2026

July 23, 2026

7 Minutes Read

Professional License Check for Marketplace Lending

How marketplace lenders run a professional license check at intake to confirm a borrowing contractor holds a valid, active license, with honest coverage limits and fallback routing.

News

Shela Heramis

July 24, 2026

July 22, 2026

8 Minutes Read

Car-Mart Collected $730M and Still Ran Out of Cash

The waterfall kept the cash. 60 of 154 lots closed, then came the going-concern warning

Business Verification

Shela Heramis

June 3, 2026

July 22, 2026

7 Minutes Read

Contractor License Verification by State: Coverage and Verification Speed

How lenders verify contractor licenses by state, with a coverage matrix for the states Cobalt supports, async verification speed, and fallback handling for states outside coverage.

Business Verification

Shela Heramis

June 2, 2026

July 21, 2026

11 Minutes Read

OFAC Screening for Syndicated MCA and Participation Deals

Each participant in a syndicated MCA deal carries its own OFAC liability. How to screen entity, owners, and counterparties, what the syndication agreement must require, and audit per funder.

News

Shela Heramis

July 22, 2026

July 20, 2026

11 Minutes Read

State AGs Move to Block OnDeck, Bitty Bank Deals

Enova owns OnDeck; OppFi has 35% of Bitty, 2027 option