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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

September 11, 2026

18 Minutes Read

Repeated UCC Search Hits: Group Filing Records Before Counting Encumbrances

UCC search hits: Avoid counting the same filing returned in multiple searches as separate evidence.

Business Verification

Shela Heramis

September 11, 2026

17 Minutes Read

OFAC's 50 Percent Rule: Trace Indirect Ownership Beyond a Business-Name Search

OFAC's 50 Percent Rule: Explain the separate ownership investigation that a name screen cannot complete.

Business Verification

Shela Heramis

September 11, 2026

14 Minutes Read

A Contractor License Does Not Show Project Workload: Separate Credential Checks From Project Evidence

Contractor license: Prevent a credential result from standing in for evidence of current jobs and commitments.

Business Verification

Shela Heramis

September 11, 2026

15 Minutes Read

Adding Existing Borrowers to Monitoring: Review the Baseline Against the Origination File

Existing borrowers: Surface differences already present when monitoring begins.

Business Verification

Shela Heramis

September 11, 2026

14 Minutes Read

A Field Disappeared From a Monitoring Result: Verify the Source Before Escalating

Monitoring result: Keep a removed response field separate from a proven real-world change.

Business Verification

Shela Heramis

September 11, 2026

14 Minutes Read

A Court Case Is Closed: Read the Disposition Before Updating the Credit File

Court case is closed: Require the actual outcome before labeling a closed case as a win, loss or ongoing exposure.

Business Verification

Shela Heramis

September 11, 2026

14 Minutes Read

Your Borrower Is the Plaintiff: Check Court Party Roles Before Flagging Litigation Risk

Court party roles: prevent a business that brought a lawsuit from being treated automatically as its defendant.

Business Verification

Shela Heramis

September 11, 2026

16 Minutes Read

Disregarded LLCs and W-9s: Reconcile the Owner Name With the Borrower Entity

Disregarded LLCs and W-9s: Explain a legitimate owner/entity naming difference before labeling it an application error.

Secretary of State API

Shela Heramis

September 11, 2026

14 Minutes Read

Expiring Registry Document Links: Keep the Filing Evidence Your Loan File Needs

Expiring registry document links: Prevent a stored link from being mistaken for durable filing evidence.

Secretary of State API

Shela Heramis

September 11, 2026

14 Minutes Read

Batch Business Verification: Preserve the Applicant Name and the Name Actually Searched

Batch business verification: Make name cleanup reproducible and auditable across a batch.