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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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December 3, 2025

December 4, 2025

Performance & Reliability of Cobalt Intelligence API

What to Expect When You Scale to 10k Loan Applications Per Month?

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December 5, 2025

December 04, 2025

Seek Capital Banned from Business Financing by FTC

D&O insurance doesn't cover conduct bans. RCG, Yellowstone, Seek execs all named.

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Alternative Financing

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December 3, 2025

December 3, 2025

The Competitive Advantages of the Cobalt Intelligence API (And Why "Good Enough" Data is Costing You Deals)

Most data providers build for "general business intelligence." They sell to sales teams looking for leads, marketing teams cleaning email lists, and procurement teams vetting vendors.

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Alternative Financing

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December 3, 2025

December 2, 2025

Who should use the Cobalt Intelligence API?

There is a specific breaking point where manual processes go from "manageable" to "margin-killing."

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December 3, 2025

December 02, 2025

Gibraltar's $12.5MM ABL Workout: Starco Brands Unravels

What a $12.5MM forbearance structure looks like inside

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Alternative Financing

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December 3, 2025

December 1, 2025

What is the Cobalt Intelligence SOS API?

You’re staring at a queue of 50 loan applications at 4:30 PM on a Friday. Your underwriting team is bottlenecked because the California Secretary of State

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November 30, 2025

November 29, 2025

Fed Report: $500B+ Warehouse Capacity for Lenders

30% YoY growth in bank commitments to securitization vehicles

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November 28, 2025

November 27, 2025

UMB Bank: First Brands Abandons $55M in Assets

SPE lenders say $55M collateral being pooled improperly

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Alternative Financing

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November 30, 2025

November 26, 2025

How to Streamline Verifying Contractor Licenses Across Different States: A Risk Manager's Guide to Multi-State Compliance

Executive Summary: Risk managers face mounting pressure to verify contractor licenses across multiple state jurisdictions—a process that consumes time, increases liability exposure, and creates compliance gaps.

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November 26, 2025

November 25, 2025

Fat Brands Hit With $1.3B Debt Acceleration

WBS structure collapses as royalty cash flow evaporates