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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

15 Minutes Read

How to Read Registration Statuses Across States via API

Fifty states, one underlying question: is this entity in good standing where it matters? A normalization workflow for reading statuses across vocabularies.

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

14 Minutes Read

Where Does the SOS Registration Check Fit in a Lender's KYB Stack?

Check order is a cost and fraud-catch decision. Why the SOS record runs first, what routes to each later step, and where every check's evidence lands.

Business Verification

Shela Heramis

August 7, 2026

15 Minutes Read

How to Verify Foreign Qualification and Multi-State Registrations via API

A borrower operating in three states may be registered in one. Detecting where an entity is registered vs qualified, and what the gap does to lien position.

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.

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