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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

Business Verification

Shela Heramis

August 21, 2026

August 24, 2026

10 Minutes Read

Why Is an Active Contractor License Not Enough for Construction Lending?

An active contractor license confirms status, not project fit. Learn how lenders compare holder, scope, jurisdiction, time, and coverage before deciding.

Business Verification

Shela Heramis

August 4, 2026

August 24, 2026

14 Minutes Read

Business Address Changes: Relocations, Virtual Offices, and Red Flags

Registered office and principal address are different fields with different meanings. Which address changes are noise and which are worth a call.

News

Shela Heramis

August 24, 2026

August 21, 2026

8 Minutes Read

CFPB pulls 3.8M complaint narratives

A free early-warning surface for partner risk goes dark.

Business Verification

Shela Heramis

July 15, 2026

August 21, 2026

11 Minutes Read

Construction Lender Workflow: License + Bond + UCC Checks

A construction lender workflow that sequences contractor license checks, bond evidence, and UCC lien review before funding a draw.

Business Verification

Shela Heramis

July 15, 2026

August 20, 2026

11 Minutes Read

Top Contractor License Verification APIs Compared

How lending and surety teams should compare contractor license verification APIs on coverage, data freshness, evidence fields, and workflow fit.

News

Shela Heramis

August 22, 2026

August 19, 2026

8 Minutes Read

Clearco caps jump to $10M per merchant

Your upper-ticket ecomm deals just got a bidder

Business Verification

Shela Heramis

July 15, 2026

August 19, 2026

11 Minutes Read

OFAC + EIN + SOS: The Triple-Verification Pattern

A practical triple-verification pattern that layers OFAC screening, EIN validation, and SOS entity evidence into one defensible pre-funding route.

Business Verification

Shela Heramis

July 15, 2026

August 18, 2026

12 Minutes Read

OFAC Screening API Reliability: Handling Treasury Endpoint Outages

How lenders keep OFAC screening defensible when the Treasury endpoint degrades: retry design, evidence capture, and outage-safe review routing.

News

Shela Heramis

August 18, 2026

August 17, 2026

11 Minutes Read

KBRA, Midland Flagged Partner Before Coastal Hit

What your indemnity is worth if payment stops?

Business Verification

Shela Heramis

July 30, 2026

August 17, 2026

20 Minutes Read

Court Records + UCC: Combined Lien + Litigation Pattern

UCC filings and court judgments mean different things together than either does alone. A reading guide for the combinations, including the new filing that lands right after a judgment.