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Alternative Financing

Shela Heramis

February 12, 2026

March 4, 2026

8 Minutes Read

Colony Ridge Pays $68M: The DOJ Enforcement Path Most Lenders Aren't Watching

DOJ Civil Rights Division secured $68M from Colony Ridge for predatory lending. ECOA enforcement applies to any credit extender, including non-bank lenders and MCA funders.

Alternative Financing

Shela Heramis

February 12, 2026

March 3, 2026

7 Minutes Read

The Non-Bank Lending Boom Is Starting to Crack: What Alternative Lenders Need to Watch

Private credit CRE foreclosures surged 82% and defaults hit 7.4%. The BDCs absorbing these losses provide warehouse lines to alternative lenders, creating cross-vertical contagion risk.

News

Shela Heramis

February 11, 2026

February 10, 2026

6 Mnutes Read

Court Rules $350K Advance Was Equity, Not a Loan

One missing document turned Michigan lender's advance into an equity stake

Business Verification

Shela Heramis

February 9, 2026

February 10, 2026

15 Minutes Read

Delaware Business Entity Verification: What Alternative Lenders Need to Know

Delaware returns 20 distinct entity statuses, the most of any state, and charges $15-$20 per lookup. Only Good Standing is safe to fund. This guide maps all 20 statuses to lending decisions for alternative lenders.

News

Shela Heramis

February 8, 2026

February 6, 2026

6 Minutes Read

$134M CashCall Ruling: What MCA Lenders Can't Ignore

50 State AGs vs. One CFPB: New Enforcement Reality

News

Shela Heramis

February 6, 2026

February 4, 2026

6 Minutes Read

SBA's New Citizenship Rule Blocks 7,000+ Borrowers

March 1 Deadline Pushes Pre-Approved Borrowers to MCAs

Business Verification

Shela Heramis

February 5, 2026

February 2026

18 Minutes Read

Top 10 Business Verification APIs for 2026: The Complete Buyer's Guide

Compare 10 leading business verification APIs for 2026 including pricing, US coverage, and primary vs secondary data sources.

Business Verification

Shela Heramis

February 4, 2026

March 13, 2026

16 Minutes Read

Business Entity Verification Across All 50 States: The Complete Guide for Alternative Lenders

Alternative lenders processing high volumes face a hidden bottleneck: verifying business entity status across 50 different Secretary of State systems. This guide maps 400+ unique status definitions to a universal GREEN/YELLOW/RED risk framework and provides the implementation roadmap lenders need.

Alternative Financing

Shela Heramis

February 4, 2026

March 17, 2026

5 Minutes Read

EntityScanAI: 50-State Entity Verification in One API Integration

EntityScanAI needed comprehensive entity verification across all 50 US states via API without the 6-12 month engineering burden. Cobalt Intelligence provided 50-state coverage through a single API, enabling 3-week integration.

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