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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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Alternative Financing

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March 20, 2026

March 25, 2026

14 Minutes Read

Cobalt Intelligence vs Dun & Bradstreet: Real-Time vs Historical Business Data

Compare Cobalt Intelligence vs Dun and Bradstreet for business verification. Real-time primary source data versus historical aggregated reports.

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Alternative Financing

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March 20, 2026

March 24, 2026

18 Minutes Read

Compliance Automation for Alternative Lenders: BSA/AML and Beyond

Practical BSA and AML compliance automation for alternative lenders. Risk-based CDD, SAR writing at scale, and multi-state licensing.

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March 24, 2026

March 23, 2026

10 Minutes Read

Stone Ridge Gates LENDX as 50% of Fintech Loans Go Under

Block and Stripe merchant loans now in a freezing fund

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Alternative Financing

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March 20, 2026

March 23, 2026

16 Minutes Read

How to Build a Compliance Audit Trail with API Data

How to build a compliance audit trail using API verification data. Architecture guidance, retention requirements, and regulatory standards.

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March 23, 2026

March 21, 2026

10 Minutes Read

Fed Guts Basel III Endgame

Slashes Capital Requirements Across All Bank Tiers

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March 19, 2026

March 18, 2026

10 Minutes Read

JPMorgan Cuts $300B Lending Pipeline to Credit Funds

Default rates sit at 5.8% now. Morgan Stanley's ceiling is 8%.

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Alternative Financing

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February 4, 2026

March 17, 2026

EntityScanAI: 50-State Entity Verification in One API Integration

EntityScanAI needed comprehensive entity verification across all 50 US states via API without the 6-12 month engineering burden. Cobalt Intelligence provided 50-state coverage through a single API, enabling 3-week integration.

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March 18, 2026

March 16, 2026

Shopify Quietly Funded $6.7B in Merchant Loans Last Year

Block's commercial book grew 75%. No broker touched a deal.

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March 15, 2026

March 13, 2026

10 Minutes Read

Stellantis Sued Iowa Dealer for $12.3M Over Double-Pledged Inventory

Double Flooring Fraud: Two OEMs missed it. What is your process catching?

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Business Verification

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February 4, 2026

March 13, 2026

16 Minutes Read

Business Entity Verification Across All 50 States: The Complete Guide for Alternative Lenders

Alternative lenders processing high volumes face a hidden bottleneck: verifying business entity status across 50 different Secretary of State systems. This guide maps 400+ unique status definitions to a universal GREEN/YELLOW/RED risk framework and provides the implementation roadmap lenders need.