How to Get UCC data from 11 states in real time?

Our UCC Filing Data API provides real-time access to crucial UCC data from 11 states, offering an immediate and transparent view of a borrower’s financial landscape. This depth of insight is essential for assessing lending risk and structuring informed credit decisions.

• Speed is the New Currency in Due Diligence: Real-time access means you're seeing financial obligations as they stand now, not weeks or months ago, drastically reducing your exposure to rapidly evolving risk profiles. This ensures that your loan decisions are based on the most current financial picture, giving you a competitive edge.
• Beyond the Snapshot: Primary Source Integrity: This isn't just about speed; it's about veracity. Our API pulls data directly from official sources, ensuring the integrity of the information. While specific screenshots for UCC data are typically included with Secretary of State lookups, the overarching principle of primary source data acquisition ensures that the UCC information you receive is authoritative and reliable for audit trails.
• Granular Detail for Robust Underwriting: Beyond merely identifying the presence of a lien, our API allows you to pinpoint the secured parties involved and understand the specific collateral pledged. This level of detailed insight is indispensable for thoroughly assessing a borrower's encumbrances, determining the true availability of assets for a potential loan, and enabling you to structure more secure and advantageous deals.

Fortifying Your Risk Engine with Superior Intelligence

The integration of real-time UCC data significantly improves the quality of your risk analysis, proving essential for both initial lending assessments and ongoing portfolio management.

• Proactive Fraud Mitigation at the Onset: By instantly detecting existing liens, you can cross-reference this information with a borrower's application, immediately flagging inconsistencies or undeclared encumbrances that could signal fraudulent intent. This proactive approach protects your capital from bad actors from the outset, as seen in the success of Bectran, where real-time SOS data (including UCC data) severely curtailed the risk of approving fraudulent applications.
• Precision Underwriting for Optimal Loan Structuring: UCC filings offer a clear, actionable picture of a business's current debt landscape and collateral pledges. This enables more precise underwriting, allowing you to accurately price risk, determine appropriate loan amounts, and understand your position in the hierarchy of creditors. As General Merchant Funding noted, integrating Cobalt's data transformed their underwriting process by providing verifiable business data from the start.
• A Holistic View for Enhanced Know Your Business (KYB): Integrating UCC data with our other verification services, such as Secretary of State (SOS) entity verification and TIN verification, creates a comprehensive Know Your Business (KYB) profile. This multi-layered approach provides a robust framework for assessing business legitimacy and financial health, far exceeding basic checks and ensuring you have a complete, verified understanding of your borrower.

Operational Excellence Through Seamless Automation

Cobalt Intelligence prioritizes ease of integration, enabling lenders to quickly implement these critical services into their existing systems, often in less than a week.

• Developer-Friendly Integration for Rapid Deployment: Our API is built on a RESTful architecture, accompanied by clear, comprehensive documentation, and is designed for minimal friction for your development team. This means rapid deployment of critical data access without breaking your budget or burning out your engineers, enhancing efficiency without compromising quality.
• Liberating Your Team for High-Value Work: Automating UCC lookups eliminates tedious manual searches that traditionally consume valuable hours, freeing up bandwidth for your processing team. This allows your underwriting and compliance teams to focus on complex cases, strategic analysis, and cultivating client relationships, significantly boosting overall productivity and job satisfaction.
• Scalability and Predictable Costs for Sustainable Growth: Cobalt Intelligence offers a transparent, usage-based pricing model with volume-based discounts and monthly subscription options. As your lending volume scales, the cost per lookup decreases, providing a predictable and cost-effective solution for growth without unforeseen expenses, allowing you to invest confidently in your expansion.

Ready to Elevate Your Lending Operations?

The ability to access real-time UCC data is not just a technical advantage; it's a strategic imperative for alternative business lenders and institutional executives. It empowers you to detect hidden liens, make more informed credit decisions, and streamline your operations, all while significantly reducing risk.

Don't let outdated information dictate your financial outcomes. We invite you to experience the power of real-time UCC data firsthand.

• Schedule a Free Consultation: Speak directly with Jordan Hansen, our founder, to discuss your specific needs and see a personalized demo of how our API can transform your business verification process.
• Access Our API for Free: Dive in and test our API with your actual use cases, allowing you to experience its capabilities without any financial commitment.

Transform your business intelligence today and build a more transparent, efficient, and secure lending ecosystem with Cobalt Intelligence.