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Business Verification

Shela Heramis

August 18, 2026

4 Minutes Read

How to Scope Business Verification API Usage Before a Quote

Map application volume to actual verification work, then ask the vendor to define how that workflow is treated commercially.

News

Shela Heramis

August 13, 2026

August 12, 2026

10 Minutes

DOJ SCRA settlements hit $916K across three firms

Why 3931 affidavits reach your MCA and factoring book

News

Shela Heramis

August 12, 2026

August 10, 2026

10 Minutes Read

Senate passes bill lifting Sub V cap to $7.5M

Advances and factoring absorb it; secured keeps 1129(b)

News

Shela Heramis

August 9, 2026

August 7, 2026

12 Minutes Read

Massachusetts Took $2.5M Over AI Underwriting, Using a Theory Federal Law Dropped on July 21

Regulation B covers business credit, so the effects test left your merchant files too. New Jersey's statute reaches any loan for whatever purpose, and it did not move.

News

Shela Heramis

August 7, 2026

August 5, 2026

11 Minutes Read

Banks Loosened Business Credit Past Its Historical Midpoint, Citing Nonbank Competition

The Fed's July survey, released August 3, puts every other loan category at the tight end of its range since 2005, including the credit banks extend to nonbank lenders.

Business Verification

Shela Heramis

August 7, 2026

14 Minutes Read

How to Bulk-Verify Business Registration Status Across a Portfolio

When a full-portfolio registration sweep makes sense, how to batch around per-state latency, budget credits, and turn exceptions into a tiering input.

Business Verification

Shela Heramis

August 7, 2026

13 Minutes Read

How Long Does Business Registration Verification Take by State?

Most states answer in seconds; a few take minutes. What latency to plan for by state class, and how slow states should shape SLAs and borrower communication.

Business Verification

Shela Heramis

August 7, 2026

14 Minutes Read

Real-Time SOS Data vs Cached Registry Data: What Goes Stale and When

Status, agent, officers, and address decay at different rates. Which staleness class corrupts which decision, and when a cached record is still the right call.

Business Verification

Shela Heramis

August 7, 2026

15 Minutes Read

SOS API Data Coverage by State: The Buyer's Checklist

Coverage is a matrix of state, field, latency, and freshness. A weighted scoring rubric for evaluating what an SOS API actually returns where you lend.

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