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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
May 23, 2026
June 5, 2026
14 Minutes Read

EIN Verification API: 2026 Complete Lender Guide

A lender guide to using EIN verification APIs for IRS name/TIN matching, fraud routing, tax reporting accuracy, and KYB workflow design in 2026.

Compliance
Alternative Lending
Fraud
Underwriting
Business
article card imageBusiness Verification
By
Shela Heramis
May 18, 2026
June 4, 2026
6 Minutes Read

TIN Matching for IRS B-Notice Prevention

B-notices are usually a data-quality failure caught too late. TIN matching moves the correction step into onboarding, before filings, notices, and withholding

Compliance
Lending
Alternative Lending
Business
Tutorial
article card imageNews
By
Shela Heramis
June 5, 2026
June 3, 2026
9 Minutes Read

Deposit-Funded Fintechs Move to Undercut Alt Lenders

LendingClub funds $10.2B in deposits at 6.28% margin

Alternative Credit Data
Alternative Lending
Business
Credit
Financing
article card imageBusiness Verification
By
Shela Heramis
May 18, 2026
June 3, 2026
6 Minutes Read

EIN vs TIN for Fintech Underwriting: When Each Applies

TIN is the category. EIN is the business identifier. Fintech underwriting teams need that distinction baked into intake, routing, verification, and exception

Underwriting
Compliance
Lending
Alternative Lending
Business
article card imageBusiness Verification
By
Shela Heramis
May 18, 2026
June 2, 2026
6 Minutes Read

State-by-State EIN Verification: Where the IRS Doesn't Reach

State records help explain business identity, but they do not replace IRS-backed name and TIN matching. This guide separates what each layer can and cannot pr

Compliance
Lending
Alternative Lending
Business
Risk Assessment
article card imageNews
By
Shela Heramis
June 3, 2026
June 1, 2026
7 Mnutes Read

Axiom Tests Bank Speed In SMB Credit Fight

Bank Intake Is Coming For Cleaner SMB Files

Alternative Credit Data
Alternative Lending
Business
Financing
Lending
article card imageBusiness Verification
By
Shela Heramis
May 18, 2026
June 1, 2026
8 Minutes Read

EIN Verify: Your First Step to Fraud-Proof Lending

EIN verification belongs at the front of the lending waterfall because a name and tax ID mismatch is one of the fastest ways to stop fraud before expensive un

Underwriting
Alternative Lending
Lending
Risk Assessment
Fraud
article card imageNews
By
Shela Heramis
June 1, 2026
May 29, 2026
8 Minutes Read

BDC Marks Flash A Cash-Yield Warning

Warehouse lenders may tighten pool eligibility next

Alternative Credit Data
Alternative Lending
Business
Credit
Financing
article card imageSecretary of State API
By
Shela Heramis
May 18, 2026
May 29, 2026
19 Minutes Read

Is Manual Underwriting Dead? No, But Manual Verification Should Be

Is manual underwriting dead? No. The strategic shift is to automate business verification while keeping underwriters focused on judgment, exceptions, and risk policy.

Underwriting
Alternative Lending
Lending
Risk Assessment
Business
article card imageSecretary of State API
By
Shela Heramis
May 13, 2026
May 28, 2026
11 Minutes Read

How to Use the Cobalt CLI: Install, Authenticate, and Run KYB Verification in 5 Minutes

A step-by-step guide to installing the Cobalt CLI, authenticating against the Cobalt Intelligence API, and running real Secretary of State, OFAC, and TIN verification from your terminal or CI pipeline.

Tutorial
Alternative Lending
Compliance
Business
Financial AI Tools
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