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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

Alternative Financing

Shela Heramis

January 7, 2026

January 30, 2026

6 Minutes Read

Beyond Entity Status: Automating Know Your Business and Beneficial Owner Verification

Verifying that a business exists is step one. Verifying who owns and controls that business—the Ultimate Beneficial Owners—is where compliance requirements get serious.

News

Shela Heramis

February 1, 2026

January 30, 2026

6 Minutes Read

Equifax's New Credit Abuse Model Targets Loan Stacking

Real-time detection for prequalification and origination

News

Shela Heramis

January 29, 2026

6 Minutes Read

Fed Holds at 3.5%: Regional Banks Now Chasing Commercial Deals

Where to Compete When Banks Take the Easy Credits

Alternative Financing

Shela Heramis

January 7, 2026

January 29, 2026

6 Minutes Read

Don't Fund a Sanctioned Entity: Integrating OFAC Screening into Your Underwriting

Every loan you fund to a sanctioned individual or entity is a potential enforcement action.

Alternative Financing

Shela Heramis

January 7, 2026

January 28, 2026

4 Minutes Read

Choosing Your Verification Partner: Cobalt vs Middesk vs Trulioo

Business verification isn't one-size-fits-all.

Alternative Financing

Shela Heramis

January 7, 2026

January 27, 2026

6 Minutes Read

The Hidden Math: Calculating Your True Manual Verification Costs

Most lenders underestimate what manual verification actually costs.

News

Shela Heramis

January 27, 2026

6 Minutes Read

Equipment Finance Hits $10.6B: Banks Up 7.7%, Independents -3.7%

ELFA January 2026: 34.6% Expect Improvement, Up From 12.5% in December

Business Verification

Shela Heramis

January 26, 2026

11 Minutes Read

How Real-Time Secretary of State API Verification Prevents B2B Credit Application Fraud

Fraudsters exploit outdated business data to slip through credit application processes. The Bectran and Cobalt Intelligence integration brings real-time Secretary of State verification directly into credit workflows, enabling B2B credit teams to catch inactive entities and verify business legitimacy at the moment of application submission.

News

Shela Heramis

January 25, 2026

January 23, 2026

6 Minutes Read

Credit Key Gets $90M Barings Capital Backing

Net 30 terms at checkout compete with your advance products

Alternative Financing

Shela Heramis

October 19, 2025

October 14, 2025

6 Minutes Read

Top 10 Business Verification APIs for Lenders

They are segmented by their primary function to help institutional executives choose solutions that best fit their operational scope—be it specialized US data depth or comprehensive global compliance.