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Alternative Financing

Shela Heramis

December 3, 2025

4 Minutes Read

The Competitive Advantages of the Cobalt Intelligence API (And Why "Good Enough" Data is Costing You Deals)

Most data providers build for "general business intelligence." They sell to sales teams looking for leads, marketing teams cleaning email lists, and procurement teams vetting vendors.

Alternative Financing

Shela Heramis

December 3, 2025

December 2, 2025

4 Minutes Read

Who should use the Cobalt Intelligence API?

There is a specific breaking point where manual processes go from "manageable" to "margin-killing."

Alternative Financing

Shela Heramis

December 3, 2025

December 1, 2025

4 Minutes Read

What is the Cobalt Intelligence SOS API?

You’re staring at a queue of 50 loan applications at 4:30 PM on a Friday. Your underwriting team is bottlenecked because the California Secretary of State

News

Shela Heramis

December 3, 2025

December 02, 2025

6 Minutes Read

Gibraltar's $12.5MM ABL Workout: Starco Brands Unravels

What a $12.5MM forbearance structure looks like inside

Alternative Financing

Shela Heramis

November 30, 2025

November 26, 2025

6 Minutes Read

How to Streamline Verifying Contractor Licenses Across Different States: A Risk Manager's Guide to Multi-State Compliance

Executive Summary: Risk managers face mounting pressure to verify contractor licenses across multiple state jurisdictions—a process that consumes time, increases liability exposure, and creates compliance gaps.

News

Shela Heramis

November 30, 2025

November 29, 2025

6 Minutes Read

Fed Report: $500B+ Warehouse Capacity for Lenders

30% YoY growth in bank commitments to securitization vehicles

News

Shela Heramis

November 28, 2025

November 27, 2025

6 Minutes Read

UMB Bank: First Brands Abandons $55M in Assets

SPE lenders say $55M collateral being pooled improperly

Alternative Financing

November 28, 2025

November 25, 2025

6 Minutes Read

How to Access Real-Time Business Status Data from Multiple States: A Risk Manager's Guide to SOS API Integration

For Risk Managers overwhelmed by manual ownership research across multiple jurisdictions, Secretary of State (SOS) API integration offers automated access to real-time business status data from all 50 states and DC.

News

Shela Heramis

November 26, 2025

November 25, 2025

6 Minutes Read

Fat Brands Hit With $1.3B Debt Acceleration

WBS structure collapses as royalty cash flow evaporates

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