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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

September 4, 2026

October 16, 2026

13 Minutes Read

When Business Monitoring Should Stop: Loan Payoff, End Dates, and Account Closure Controls

End active business monitoring deliberately at payoff, account closure, or a defined date while preserving the evidence required by policy.

Business Verification

Shela Heramis

September 4, 2026

October 15, 2026

13 Minutes Read

A Business Disappeared From the State Registry: How to Route the Monitoring Alert

Investigate a found-to-missing state-registry transition through provenance, source, identity, and policy checks before taking credit action.

News

Shela Heramis

October 17, 2026

October 14, 2026

9 Minutes Read

Franklin Templeton buys $480M lender-finance book

A new BSP fund took over a lender finance book whose target list included MCA funders

Business Verification

Shela Heramis

September 4, 2026

October 14, 2026

13 Minutes Read

A Borrower Changed Its Legal Name: Which Verification Checks Should Lenders Re-run?

When a borrower changes its legal name, re-run the identity-dependent tax, UCC, court, and monitoring checks that the change can affect.

Business Verification

Shela Heramis

September 4, 2026

October 13, 2026

13 Minutes Read

Not Found Today, Registered Tomorrow: Monitoring Pending Business Formations

Treat not found as a monitored state for pending formations, with retry timing, identity controls, and a clear route when registration appears.

News

Shela Heramis

October 14, 2026

October 12, 2026

10 Minutes Read

True Food Kitchen owes $11M on three MCAs

None of the three funders appears on the top-30 unsecured list, and Parafin's agreement faces a rejection motion

Business Verification

Shela Heramis

September 4, 2026

October 12, 2026

13 Minutes Read

A Monitoring Alert Is Not a Credit Decision: Designing the Customer Rule Layer

Keep monitoring signals separate from credit decisions by applying lender-owned severity, exposure, timing, and customer-context rules.

News

Shela Heramis

October 12, 2026

October 9, 2026

10 Minutes Read

SBA approved 21,881 fewer 7(a) loans

By percentage, loans of $350,000 to $500,000 fell hardest, and tighter rules took effect Oct. 1

Business Verification

Shela Heramis

September 4, 2026

October 9, 2026

10 Minutes Read

Designing an Async Court Records Check Without Stalling the Underwriting Queue

Design an asynchronous court-record check that lets unrelated underwriting work continue while policy controls the final funding gate.

Business Verification

Shela Heramis

September 4, 2026

October 8, 2026

10 Minutes Read

Coverage-First Court Record Screening: Check Jurisdiction Before Ordering the Search

Confirm jurisdiction and source coverage before ordering a court-record search so empty results are not mistaken for clean evidence.