Alternative Lending

Home

Blogs

Alternative Lending

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

19 Minutes Read

UCC Filings + Court Records: The 2-Source Lien Search Pattern

A UCC-only lien search misses judgment liens. A court-only search misses security interests. The implementation pattern for running both, and how to reconcile mismatched name formats.

Alternative Financing

Shela Heramis

July 30, 2026

July 29, 2026

21 Minutes Read

Small Claims Court Patterns in MCA Underwriting

Small claims filings look trivial one at a time. Frequency, recency and repeat plaintiffs are the real signal, and they surface cash-flow stress months before a credit report does.

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

21 Minutes Read

Court Case API + SOS Officer Data: Cross-Reference for Fraud Detection

An entity can look clean while its officers carry judgments. How to use SOS officer data as the search key for court record lookups, and what that cross-reference actually catches.

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

21 Minutes Read

Default Judgments as Lender Red Flags

A default judgment means nobody showed up to contest it. Why that reads differently from a litigated judgment, and how to tell defaults, stipulations and vacated judgments apart.

News

Shela Heramis

July 29, 2026

July 27, 2026

9 Minute Read

SBA Pushes $10M Loans as Defaults Hit a 12-Year High

One borrower can now stack $5M of 7(a) on $5M of 504. The taxpayer guarantee cap never moved

News

Shela Heramis

July 29, 2026

July 24, 2026

8 Minutes Read

Credit Washers Erased $10B. Their Files Score Prime

Suppressed charge-offs default at 12x the clean-file rate; auto fraud losses tripled to $323M

Business Verification

Shela Heramis

July 28, 2026

14 Minutes Read

Can an API Detect Fraudulent Business Applications? What Verification Data Actually Does

A verification API doesn't decide fraud. It supplies the primary-source facts fraud logic runs on: the fields that surface ghost entities, stacking, and DBA masking.

News

Shela Heramis

July 26, 2026

July 24, 2026

8 Minutes Read

Car-Mart Collected $730M and Still Ran Out of Cash

The waterfall kept the cash. 60 of 154 lots closed, then came the going-concern warning

News

Shela Heramis

July 24, 2026

July 22, 2026

8 Minutes Read

Car-Mart Collected $730M and Still Ran Out of Cash

The waterfall kept the cash. 60 of 154 lots closed, then came the going-concern warning

Access Real-Time Secretary of State Data and Automate your underwriting process. We help Alternative Funders work smarter through AI Technology. Get our FREE AI Tools here