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Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

21 Minutes Read

Court Records Monitoring for Portfolio Defaults

A borrower clean at funding can be sued in month three. How to build a portfolio re-screening cadence on a request/response API, and diff results to catch new filings.

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

18 Minutes Read

Court Case API: Reducing Manual Underwriter Hours

Manual court searching burns senior analyst hours on files that should have been screened out at intake. What automating the check changes, and what it does not replace.

Business Verification

Shela Heramis

July 30, 2026

July 29, 2026

20 Minutes Read

Court Records + License + UCC: Construction Lender Triple Check

Construction lending needs license, lien and litigation checks. Coverage for the three differs by state, and New York is where all three overlap from a single provider.

Business Verification

Shela Heramis

July 30, 2026

August 14, 2026

19 Minutes Read

How Court Case API Speeds Up Loan Decisions

Manual court lookups turn a same-day decision into a next-day one. How async court checks move from a blocking step to a parallel one, and how to design the concurrency.

Business Verification

Shela Heramis

July 30, 2026

August 13, 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

August 12, 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

August 11, 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.

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

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