Business Verification

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Business Verification

Shela Heramis

January 27, 2026

February 2, 2026

10 Minutes Read

Arizona Business Entity Verification for Alternative Lenders

Arizona returns one of the simplest entity status sets of any state: just Active or Inactive. While this simplifies decisioning logic, it also means lenders receive less context about why a business may be inactive. With over 600,000 registered business entities and a growing small business lending market centered in Phoenix, Maricopa County, and Tucson, Arizona verification requires strategies that account for limited status granularity.

Business Verification

Shela Heramis

January 27, 2026

February 5, 2026

10 Minutes Read

Kansas Business Entity Verification: What Alternative Lenders Need to Know

Kansas offers alternative lenders a moderately complex Secretary of State status system with 8 distinct categories, including uniquely descriptive status names like 'Forfeited - Failed to Timely File I/R' that explicitly explain the reason for adverse action. For lenders processing Midwest and Plains state deal flow, Kansas's transparent status naming provides clearer risk signals than states with more opaque terminology.

Business Verification

Shela Heramis

January 27, 2026

February 2, 2026

18 Minutes Read

California Business Entity Verification: What Alternative Lenders Need to Know

California represents the largest state market for alternative business lending in the United States, with over 4.2 million active business entities registered with the California Secretary of State as of 2024. For alternative lenders, California verification presents a unique challenge that no other state shares: a dual-agency suspension system where both the Franchise Tax Board (FTB) and Secretary of State (SOS) can independently suspend an entity's powers.

Business Verification

Shela Heramis

January 26, 2026

11 Minutes Read

How Real-Time Secretary of State API Verification Prevents B2B Credit Application Fraud

Fraudsters exploit outdated business data to slip through credit application processes. The Bectran and Cobalt Intelligence integration brings real-time Secretary of State verification directly into credit workflows, enabling B2B credit teams to catch inactive entities and verify business legitimacy at the moment of application submission.

Business Verification

Shela Heramis

January 24, 2026

January 21, 2026

15 Minutes Read

New York Business Entity Verification: What Alternative Lenders Need to Know

New York returns less entity data than any other top-10 state for business formations. With only Active and Inactive statuses available, alternative lenders must implement multi-state verification to compensate for NY's data limitations.

Business Verification

Shela Heramis

January 23, 2026

January 22, 2026

15 Minutes Read

Florida Business Entity Verification: What Alternative Lenders Need to Know

Florida ranks among the top states for business entity formations. For alternative lenders, Florida verification offers unique advantages: the state provides more data fields than most jurisdictions, including public access to Tax Identification Numbers through the Secretary of State portal.

Business Verification

Shela Heramis

January 23, 2026

January 20, 2026

14 Minutes Read

California Business Entity Verification: What Alternative Lenders Need to Know

California has over 4.2 million active business entities and a unique dual-agency suspension system where both the Franchise Tax Board and Secretary of State can independently suspend entities. This guide explains California's entity statuses, the critical difference between single-agency and dual-agency suspensions, and how to automate verification.

Business Verification

Shela Heramis

January 23, 2026

14 Minutes Read

Texas Business Entity Verification: What Alternative Lenders Need to Know

Texas ranks among the top states for business entity formations, with over 3.2 million active entities. For alternative lenders, Texas verification presents unique challenges with terminology like Suspense and Involuntary Termination. This guide examines which statuses trigger automatic decline versus manual review.

Business Verification

Shela Heramis

December 3, 2025

December 5, 2025

4 Minutes Read

Cobalt Intelligence Implementation Guide: From Sandbox to Production in <1 Week

Most third-party integrations in fintech are 6-week slogs involving extensive compliance reviews, complex OAuth flows, and opaque documentation.

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