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Shela Heramis

January 12, 2026

January 6, 2026

4 Minutes Read

Verifying "Formation Date": The Secret to Spotting Shell Companies

Every loan application tells a story—but the formation date tells you whether that story is true.

Alternative Financing

Shela Heramis

January 9, 2026

January 5, 2026

6 Minutes Read

The Lender's Guide to Automating KYB with an SOS API

For alternative lenders processing hundreds or thousands of applications monthly, manual Know Your Business (KYB) verification has become the "Achilles heel" of scaling operations.

Alternative Financing

Shela Heramis

January 7, 2026

January 27, 2026

6 Minutes Read

The Hidden Math: Calculating Your True Manual Verification Costs

Most lenders underestimate what manual verification actually costs.

Alternative Financing

Shela Heramis

January 7, 2026

January 28, 2026

4 Minutes Read

Choosing Your Verification Partner: Cobalt vs Middesk vs Trulioo

Business verification isn't one-size-fits-all.

Alternative Financing

Shela Heramis

January 7, 2026

January 29, 2026

6 Minutes Read

Don't Fund a Sanctioned Entity: Integrating OFAC Screening into Your Underwriting

Every loan you fund to a sanctioned individual or entity is a potential enforcement action.

Alternative Financing

Shela Heramis

January 7, 2026

January 30, 2026

6 Minutes Read

Beyond Entity Status: Automating Know Your Business and Beneficial Owner Verification

Verifying that a business exists is step one. Verifying who owns and controls that business—the Ultimate Beneficial Owners—is where compliance requirements get serious.

Alternative Financing

Shela Heramis

January 6, 2026

January 2, 2026

6 Minutes Read

The Complete Picture: Connecting Entity Verification to Financial Health Data

Entity verification confirms a business exists. Cash flow analysis confirms it's operating.

Alternative Financing

Shela Heramis

January 6, 2026

December 29, 2025

4 Minutes Read

The "No-Match" Signal: Why Finding Nothing Is Finding Something

When automated entity validation returns "no match found," most lenders see a failed verification.

Alternative Financing

Shela Heramis

January 6, 2026

December 30, 2025

4 Minutes Read

Ghost Businesses: How Fraudsters Create Entities That Don't Really Exist

The application claims five years in business.

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