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Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Foreclosure History Checks for Real Estate Lending

How real estate and bridge lenders check a borrowing entity's foreclosure and litigation history in court records, route by severity, and fall back to county records where coverage ends.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

PACER vs Cobalt Court Case API: A Lender's Comparison

PACER and the Cobalt Court Case API compared for lenders: federal nationwide access versus targeted programmatic state-court business signals, and why the two are complementary, not substitutes.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Top Court Records APIs Compared for Lenders

Court records APIs compared for lenders on the axes that matter: coverage, search method, latency, integration model, and audit trail, with where a targeted state-court API fits.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Court Records for SBA Lending Compliance

How SBA 7(a) and 504 lenders use business litigation and judgment signals from court records to support eligibility and character diligence under SBA SOP 50 10, with honest coverage limits.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Judgment Lien Searches via Court Records API

How lenders use court-records data to surface judgment liens against a borrowing business, route by judgment count, amount, and recency, and connect judgments to repayment and collateral risk.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Federal Court Records vs State Court Records: What Lenders Should Check

Federal court records versus state court records explained for lenders: what each covers, when to check which, and where a targeted state court-records API fits in underwriting diligence.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Professional License Check for Marketplace Lending

How marketplace lenders run a professional license check at intake to confirm a borrowing contractor holds a valid, active license, with honest coverage limits and fallback routing.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Contractor License Verification by State: Coverage and Verification Speed

How lenders verify contractor licenses by state, with a coverage matrix for the states Cobalt supports, async verification speed, and fallback handling for states outside coverage.

News

Shela Heramis

June 3, 2026

June 1, 2026

7 Mnutes Read

Axiom Tests Bank Speed In SMB Credit Fight

Bank Intake Is Coming For Cleaner SMB Files

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