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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

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July 3, 2026

July 1, 2026

Spurstone Credit Targets $100M-$1B Borrowers

Texas Capital Tie-Up Targets Non-Sponsor Credit

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Secretary of State API

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May 27, 2026

July 1, 2026

Real-Time UCC Alerts: Catching New Liens on Existing Borrowers

How lenders use UCC filing data to route real time UCC alerts existing borrowers decisions before funding, with lien-count rules, collateral flags, and fallback handling.

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Secretary of State API

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May 27, 2026

June 30, 2026

UCC Filings for Asset-Based Lending Risk Assessment

How lenders use UCC filing data to route UCC asset based lending risk decisions before funding, with lien-count rules, collateral flags, and fallback handling.

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July 1, 2026

June 29, 2026

10 Minutes Read

LendingClub Is Now Happen Bank, Funded by Deposits

Lenders rarely die of credit. They die of funding.

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Secretary of State API

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May 27, 2026

June 29, 2026

Pre-Funding UCC Lien Search: Underwriter Workflow

How lenders use UCC filing data to route pre funding UCC lien search underwriter decisions before funding, with lien-count rules, collateral flags, and fallback handling.

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June 27, 2026

June 26, 2026

Goldman Funds AI That Clears 5x More SMB Loans

Your turnaround gap with banks is narrowing.

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Secretary of State API

By

May 27, 2026

June 26, 2026

15 Minutes Read

How UCC Data Reveals Loan Stacking in MCA Portfolios

How MCA underwriters use UCC data to spot stacking patterns through filing count, secured-party names, filing recency, collateral overlap, and entity-match controls.

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Secretary of State API

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May 23, 2026

June 25, 2026

UCC Filings for Equipment Finance Underwriting

An equipment finance underwriting guide to checking UCC filings, competing secured-party claims, and collateral priority before approval.

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June 26, 2026

June 24, 2026

10 Minutes Read

Tricolor COO Pleads Guilty, $498M Bank Fraud

$2.2B reported, $1.4B real, 3 banks exposed.

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Secretary of State API

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May 23, 2026

June 24, 2026

Real-Time UCC API vs Manual Lien Search: Time + Accuracy Comparison

A comparison guide for manual lien searches versus real-time UCC API data across speed, accuracy, workflow fit, and underwriting routing.