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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

News

Shela Heramis

March 7, 2026

March 12, 2026

14 Minutes Read

Court Records Due Diligence for Alternative Lenders: The Judgment Gap Nobody Checks

Most lenders check entity status and credit reports but skip court records. Since 2017, judgments vanished from credit reports, creating a blind spot that costs portfolios millions.

News

Shela Heramis

March 13, 2026

March 11, 2026

12 Minutes Read

JPMorgan, Pimco Converge on Private Credit's Bad Underwriting

JPM's $22.2B exposure just got a haircut. Count your layers.

News

Shela Heramis

March 7, 2026

March 11, 2026

16 Minutes Read

UCC Filing Data for Alternative Lenders: The Collateral Blind Spot That Cost Lenders $160 Million

How UCC filing data prevents collateral fraud for alternative lenders. Covers lien discovery, stacking detection, and the verification blind spot that cost lenders $160M.

News

Shela Heramis

March 9, 2026

March 10, 2026

15 Minutes Read

How Does TIN/EIN Verification Catch Synthetic Identity Fraud Before You Fund?

TIN/EIN verification catches synthetic identity fraud by cross-referencing business names against IRS records in real time, closing gaps SOS checks miss.

News

Shela Heramis

March 10, 2026

March 9, 2026

20 Minute Read

BlackRock, Blackstone, Blue Owl All Gated the Same Quarter

KKR, Carlyle, BlackRock BDCs Are Cutting Dividends in Q1 2026

Alternative Financing

Shela Heramis

February 25, 2026

March 6, 2026

5 Minutes Read

Zocks Raises $45M Series B: Why Agentic AI Is Reshaping Financial Services Automation

Zocks raised $45M for agentic AI in financial services, backed by QED Investors and Lightspeed. The funding signals a shift from AI that analyzes to AI that acts, with direct implications for lending.

Alternative Financing

Shela Heramis

February 25, 2026

March 8, 2026

4 Minutes Read

Upstart Sells $333M Auto Loan Portfolio to Bayview: What AI Lending's Balance Sheet Pivot Means for the Industry

Upstart sold $333 million in auto loan assets to Bayview Asset Management and signed a $200M forward-flow deal with Wafra. Here is what it means for alternative lenders.

Business Verification

Shela Heramis

March 7, 2026

12 Minutes Read

Find Related Businesses: What CTOs Need to Know About Cross-Entity Verification

Find Related Businesses adds cross-entity matching to existing SOS API calls with one parameter. Surface connected businesses by officer and agent across all 50 states.

Alternative Financing

Shela Heramis

February 25, 2026

March 5, 2026

4 Minutes Read

Senator Reed's Predatory Lending Elimination Act: What Alternative Lenders Need to Know About the Proposed 36% APR Cap

Senator Jack Reed introduced S. 3793, the Predatory Lending Elimination Act, proposing a nationwide 36% APR cap on consumer loans. Here is what alternative lenders need to know.

Business Verification

Shela Heramis

March 7, 2026

14 Minutes Read

Why Are Construction Lenders Still Funding Unlicensed Contractors in 2026?

Manual contractor license verification across state portals is slow, inconsistent, and easy to skip. Here is what the enforcement data shows and how to automate it.