Alternative Lending

Home

Blogs

Alternative Lending

Business Verification

Shela Heramis

May 18, 2026

June 2, 2026

6 Minutes Read

State-by-State EIN Verification: Where the IRS Doesn't Reach

State records help explain business identity, but they do not replace IRS-backed name and TIN matching. This guide separates what each layer can and cannot pr

Business Verification

Shela Heramis

May 18, 2026

June 1, 2026

8 Minutes Read

EIN Verify: Your First Step to Fraud-Proof Lending

EIN verification belongs at the front of the lending waterfall because a name and tax ID mismatch is one of the fastest ways to stop fraud before expensive un

Secretary of State API

Shela Heramis

May 18, 2026

May 29, 2026

19 Minutes Read

Is Manual Underwriting Dead? No, But Manual Verification Should Be

Is manual underwriting dead? No. The strategic shift is to automate business verification while keeping underwriters focused on judgment, exceptions, and risk policy.

News

Shela Heramis

May 18, 2026

May 15, 2026

17 Minutes Read

HSBC Pauses $4B Private Credit Push, FT Reports

FSB, Bowman, HSBC align. Watch CLO senior spreads.

News

Shela Heramis

May 14, 2026

May 13, 2026

13 Minutes Read

Truist, Medalist Back Credibly's $260M Debt Refi

Securitization plus warehouse plus mezz refi. Allocation TBD.

Secretary of State API

Shela Heramis

May 13, 2026

May 28, 2026

11 Minutes Read

How to Use the Cobalt CLI: Install, Authenticate, and Run KYB Verification in 5 Minutes

A step-by-step guide to installing the Cobalt CLI, authenticating against the Cobalt Intelligence API, and running real Secretary of State, OFAC, and TIN verification from your terminal or CI pipeline.

Business Verification

Shela Heramis

May 13, 2026

May 27, 2026

12 Minutes Read

Court Case API: Slash Underwriting Risk in Seconds (2026)

A 2026 guide to integrating court records data into real-time underwriting for alternative lenders. Vendor comparison, build-vs-buy math, and the 5 RFP questions that expose data resellers.

News

Shela Heramis

May 12, 2026

14 Minutes Read

Bowman: Capital Rules Pushed $1.4T to Nonbanks

What the 65% risk weight does to your 2027 line renewal?

News

Shela Heramis

May 11, 2026

May 8, 2026

16 Minutes Read

Block Borrow Up 175% as Lender Fraud-Loss Survey Hits 93%

Payment-data underwriting beats bureau-pull through cycle

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