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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

article card imageBusiness Verification
By
Shela Heramis
June 10, 2026
June 10, 2026
8 Minutes Read

How to Search Court Records by Business Officer or Owner

How underwriters search court records by an officer or owner name to surface litigation, judgments, and principal-level risk before funding.

Underwriting
Risk Assessment
Compliance
Alternative Lending
Fraud
article card imageBusiness Verification
By
Shela Heramis
June 3, 2026
June 3, 2026
7 Minutes Read

Court Case API: Webhook Architecture for Lender Alerts

A webhook architecture for receiving asynchronous court-case results from a court-records API and turning returned judgments into internal lender alerts when they cross a defined threshold.

Underwriting
Lending
Business
Risk Assessment
article card imageBusiness Verification
By
Shela Heramis
June 3, 2026
June 3, 2026
7 Minutes Read

Court Records API Integration: A 30-Minute Quickstart

A 30-minute quickstart for integrating a court-records API: build a callback endpoint, make the async search call, parse returned case and judgment fields, and map them to a risk rule.

Underwriting
Lending
Business
Risk Assessment
article card imageBusiness Verification
By
Shela Heramis
June 3, 2026
June 3, 2026
7 Minutes Read

Court Records in BSA/AML Investigations for Lenders

How business litigation and judgment data from court records support BSA and AML diligence and adverse-information review for lenders, alongside mandatory sanctions screening.

Compliance
Underwriting
Risk Assessment
Fraud
article card imageBusiness Verification
By
Shela Heramis
June 3, 2026
June 3, 2026
7 Minutes Read

State-Specific Court Records: NY, FL, and CA Coverage Comparison

How New York, Florida, and California court-record systems differ for lenders, where a targeted court-records API fits today, and where California litigation requires a fallback path.

Underwriting
Risk Assessment
Lending
Business
article card imageBusiness Verification
By
Shela Heramis
June 3, 2026
June 3, 2026
7 Minutes Read

Reading Civil Court Dockets: A Lender's Quick Guide

A lender's quick guide to reading civil court dockets: case captions, parties, filing dates, and dispositions, and how structured court-record data turns docket reading into a routable signal.

Underwriting
Risk Assessment
Lending
Business
article card imageBusiness Verification
By
Shela Heramis
June 3, 2026
June 3, 2026
7 Minutes Read

Court Records for Equipment Finance Underwriting

How equipment finance teams check business litigation and judgment exposure on a lessee in court records before funding, alongside UCC lien checks, to protect collateral recovery.

Underwriting
Risk Assessment
Lending
Business
article card imageBusiness Verification
By
Shela Heramis
June 3, 2026
June 3, 2026
7 Minutes Read

Construction Lender Court Records Workflow: Mechanics Liens and Bond Disputes

A construction lender court-records workflow combining contractor-license verification with checks for mechanics-lien litigation and bond disputes, with fallback for unsupported states.

Underwriting
Risk Assessment
Lending
Business
article card image
By
November 27, 2025
March 15, 2026
5 Minutes Read

Lender Matrix Logic: AI-Powered Deal Routing Insights with Advanced Funds

Most ISOs burn out in 18 months. Advance Funds Network has lasted 18 years. Discover the operational playbook for longevity: zero-retread hiring, protecting lender metrics, and weaponizing compliance against the competition.

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article card image
By
November 9, 2025

The "First Domino": Why You Can't Scale Lending Without Automating SOS Verification

Your alternative lending platform scaled to 5,000, then 10,000 applications per month by adding human capital. First, it was an in-house underwriter spending half their day on Secretary of State (SOS) websites.

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