PACER and the Cobalt Court Case API compared for lenders: federal nationwide access versus targeted programmatic state-court business signals, and why the two are complementary, not substitutes.
A three-year forward flow for 5-to-10% fixed-fee paper, terms undisclosed
Court records APIs compared for lenders on the axes that matter: coverage, search method, latency, integration model, and audit trail, with where a targeted state-court API fits.
How SBA 7(a) and 504 lenders use business litigation and judgment signals from court records to support eligibility and character diligence under SBA SOP 50 10, with honest coverage limits.
One borrower can now stack $5M of 7(a) on $5M of 504. The taxpayer guarantee cap never moved
How lenders use court-records data to surface judgment liens against a borrowing business, route by judgment count, amount, and recency, and connect judgments to repayment and collateral risk.
Suppressed charge-offs default at 12x the clean-file rate; auto fraud losses tripled to $323M
Federal court records versus state court records explained for lenders: what each covers, when to check which, and where a targeted state court-records API fits in underwriting diligence.
How marketplace lenders run a professional license check at intake to confirm a borrowing contractor holds a valid, active license, with honest coverage limits and fallback routing.
The waterfall kept the cash. 60 of 154 lots closed, then came the going-concern warning
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