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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
April 11, 2024
March 20, 2024
2 Minutes Read

STAX's New Underwriting Automated Platform

Single Business Credit Score = WorthScore

Business
Underwriting
Industry Updates
Risk Assessment
article card imageNews
By
Shela Heramis
April 11, 2024
March 18, 2024
2 Minutes Read

M1 Finance paid $850K FINRA Fine

FINRA has imposed an $850,000 fine on M1 Finance for misleading representations made by social media influencers regarding its margin lending program.

Business
Compliance
Risk Assessment
Fraud
article card imageNews
By
Shela Heramis
April 11, 2024
March 15, 2024
2 Minutes Read

BYJU's $533M Loan Scandal

"untruthful" and "incompetent" says Delaware bankruptcy court

Business
article card imageNews
By
Shela Heramis
April 11, 2024
March 13, 2024
2 Minutes Read

AFS partners with Top 10 Loan Producer 2023 - Metropolitan Commercial Bank

All commercial lines of business are supported

Business
article card imageNews
By
Shela Heramis
April 11, 2024
March 22, 2024
2 Minutes Read

Liberty Savings Bank & Upstart Partnership

Liberty Savings Bank, with over $1.2 billion in assets, has collaborated with Upstart to offer personal loans through an AI-powered lending platform.

Business
Industry Updates
Lending
Compliance
article card imageBusiness Verification
By
Shela Heramis
September 25, 2026
September 24, 2026
16 Minutes Read

Who Is Authorized to Sign for the LLC? What State Records Can and Cannot Show

A closing and compliance guide to what Secretary of State records prove about who is authorized to sign for the LLC, and which governing documents establish that authority.

Underwriting
Alternative Lending
Tutorial
Risk Assessment
article card imageBusiness Verification
By
Shela Heramis
September 25, 2026
September 24, 2026
17 Minutes Read

Fix-and-Flip and Construction Lenders: Reading a Borrower LLC's Secretary of State Record

A guide for fix-and-flip and construction lenders on what a borrower LLC's Secretary of State record proves, what it cannot, and which county and closing records answer the rest.

Underwriting
Alternative Lending
Tutorial
Risk Assessment
article card imageBusiness Verification
By
Shela Heramis
September 25, 2026
September 24, 2026
17 Minutes Read

Does a Secretary of State API Map Parent Companies and Subsidiaries? What Actually Links

A Secretary of State API cannot map parent companies and subsidiaries. What it does link: foreign registrations, assumed names, and officer or agent name matches, graded as evidence.

Underwriting
Alternative Lending
Tutorial
Risk Assessment
article card imageBusiness Verification
By
Shela Heramis
September 25, 2026
September 24, 2026
16 Minutes Read

Data Layer vs Decision Layer: Why a Verification API Should Not Score Your Borrower

A risk-lead guide to the data layer vs decision layer boundary: what a verification API returns, who answers for the decision, and what owning the rules takes.

Underwriting
Alternative Lending
Tutorial
Risk Assessment
article card imageBusiness Verification
By
Shela Heramis
September 25, 2026
September 24, 2026
17 Minutes Read

Embedded Equipment Finance: The Minimum Secretary of State Fields to Route a Deal

Seven Secretary of State fields let an embedded equipment finance broker route deals on time in business and status without a vendor score, with a cache-first read and async live verification.

Underwriting
Alternative Lending
Tutorial
Risk Assessment
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