All Blogs

September 11, 2026

15 Minutes Read

The State Registry Has the Business but the API Does Not: A Lender Escalation Checklist

State registry: Give reviewers a reproducible route when direct state evidence conflicts with a lookup result.

Secretary of State API

September 11, 2026

15 Minutes Read

Several SOS Records Look Right: How to Review Alternative Matches Before Funding

SOS records: Prevent the first returned business from becoming the borrower by default.

September 11, 2026

14 Minutes Read

Two Business Names Match One EIN: What Should the Underwriter Verify Next?

Business names match one EIN: Avoid treating a name-control match as unique entity identification.

September 9, 2026

An OFAC Search Returned No Matches: Check the Query Scope Before Closing Review

Preserve the names, source lists, entity type and threshold behind an OFAC no-match result before closing the screening review.

September 9, 2026

11 Minutes Read

One Business, Two Platform Customers: Keep Verification Evidence Separate by Tenant and Application

Keep shared business identity separate from each platform customer, application and verification revision when storing and retrieving evidence.

September 9, 2026

The Contractor Changed Legal Entities: Reconcile the License Before the Next Lending Decision

Reconcile a California contractor entity change with the current license record before the next draw, renewal or lending decision.

September 9, 2026

11 Minutes Read

A Judgment Amount Is Not a Current Payoff Balance: Court Evidence for Credit Review

Keep entered judgment amounts separate from current payoff evidence, and record the missing information needed for a credit decision.

September 9, 2026

Court Search Results Have Different Detail Levels: Do Not Review Every Hit as a Full Case

Review court search hits by their actual detail, party association and source references before drawing conclusions for a credit file.

September 9, 2026

EIN Input Validation for Lending APIs: Preserve Leading Zeros Before TIN Matching

Preserve leading zeros through EIN intake, CSV import and serialization before submitting the name and TIN for verification.