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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

article card imageNews
By
Shela Heramis
August 19, 2026
August 14, 2026
8 Minutes Read

Nvidia offers 25% residual support in AI finance push

Separate supplier's risk from borrower's cash flow

Alternative Lending
Business
Credit
Financing
Lending
article card imageBusiness Verification
By
Shela Heramis
July 30, 2026
August 14, 2026
19 Minutes Read

How Court Case API Speeds Up Loan Decisions

Manual court lookups turn a same-day decision into a next-day one. How async court checks move from a blocking step to a parallel one, and how to design the concurrency.

Underwriting
Lending
Alternative Lending
Risk Assessment
Business
article card imageBusiness Verification
By
Shela Heramis
July 30, 2026
August 13, 2026
19 Minutes Read

UCC Filings + Court Records: The 2-Source Lien Search Pattern

A UCC-only lien search misses judgment liens. A court-only search misses security interests. The implementation pattern for running both, and how to reconcile mismatched name formats.

Underwriting
Risk Assessment
Alternative Lending
Lending
Business
article card imageNews
By
Shela Heramis
August 13, 2026
August 12, 2026
10 Minutes

DOJ SCRA settlements hit $916K across three firms

Why 3931 affidavits reach your MCA and factoring book

Alternative Lending
Business
Financing
Credit
Lending
article card imageAlternative Financing
By
Shela Heramis
July 30, 2026
August 12, 2026
21 Minutes Read

Small Claims Court Patterns in MCA Underwriting

Small claims filings look trivial one at a time. Frequency, recency and repeat plaintiffs are the real signal, and they surface cash-flow stress months before a credit report does.

Underwriting
Alternative Lending
Risk Assessment
Lending
Business
article card imageBusiness Verification
By
Shela Heramis
July 30, 2026
August 11, 2026
21 Minutes Read

Court Case API + SOS Officer Data: Cross-Reference for Fraud Detection

An entity can look clean while its officers carry judgments. How to use SOS officer data as the search key for court record lookups, and what that cross-reference actually catches.

Fraud
Business
Underwriting
Risk Assessment
Alternative Lending
article card imageNews
By
Shela Heramis
August 12, 2026
August 10, 2026
10 Minutes Read

Senate passes bill lifting Sub V cap to $7.5M

Advances and factoring absorb it; secured keeps 1129(b)

Alternative Lending
Business
Financing
Lending
Underwriting
article card imageBusiness Verification
By
Shela Heramis
July 30, 2026
August 10, 2026
21 Minutes Read

Default Judgments as Lender Red Flags

A default judgment means nobody showed up to contest it. Why that reads differently from a litigated judgment, and how to tell defaults, stipulations and vacated judgments apart.

Underwriting
Risk Assessment
Lending
Alternative Lending
Compliance
article card imageNews
By
Shela Heramis
August 9, 2026
August 7, 2026
12 Minutes Read

Massachusetts Took $2.5M Over AI Underwriting, Using a Theory Federal Law Dropped on July 21

Regulation B covers business credit, so the effects test left your merchant files too. New Jersey's statute reaches any loan for whatever purpose, and it did not move.

Business
Alternative Credit Data
Alternative Lending
Credit
Financing
article card imageBusiness Verification
By
Shela Heramis
August 4, 2026
August 7, 2026
14 Minutes Read

Officer and Member Changes as an Early Business Fraud Signal

States record no filing when ownership changes, and US entities no longer report beneficial owners. What officer monitoring can and cannot tell a lender.

Fraud
Business
Risk Assessment
Underwriting
Alternative Lending
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