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Shela Heramis

May 4, 2026

May 1, 2026

12 Minutes Read

Citadel, Ares Block $500M Spirit Rescue Over 90% Warrant

Unanimous senior consent gives one group full blocking power

News

Shela Heramis

May 1, 2026

April 29, 2026

14 Minutes Read

Aliya Sports, All Pro Capital Hit in $19.8M NFL Fraud

Sentencing set Aug 4, Oct 8; statutory exposure 9 years (54)

News

Shela Heramis

April 29, 2026

April 27, 2026

12 Minutes Read

Treasury Adds Anti-Bias Terms to CDFI Contracts

Annual certifications, records access added to terms

Secretary of State API

Shela Heramis

April 28, 2026

May 12, 2026

12 Minutes Read

Async Webhook Architecture for Long-Running Secretary of State Lookups (CTO Guide, 2026)

Real-time SOS lookups can take 30 seconds to 5 minutes. Synchronous integration blocks onboarding UX. Async webhook architecture is the production pattern. Here is how it works, what breaks, and how to design for the slow-state tail.

Secretary of State API

Shela Heramis

April 28, 2026

May 11, 2026

12 Minutes Read

High-Volume KYB at Platform Scale: Architecture for Infrastructure Companies (2026)

Platforms that embed KYB verification as a feature for downstream customers inherit every verification failure at N times the scale. Here is how the architecture has to change when you go from single-tenant underwriting to multi-tenant verification infrastructure.

Secretary of State API

Shela Heramis

April 28, 2026

May 7, 2026

12 Minutes Read

Verification Waterfall Design: When to Use Cached vs Real-Time Secretary of State Data in 2026

Pure cache verification is cheap but stale. Pure live-ping is current but slow and expensive. A production waterfall routes each application to the right path based on deal risk, entity lifecycle, and state mix. This post is the architecture playbook.

Secretary of State API

Shela Heramis

April 28, 2026

May 5, 2026

12 Minutes Read

How to Verify Newly-Formed LLCs and Sole Proprietors at Onboarding in 2026

Newly-formed businesses and sole proprietors are the hardest segment to verify at onboarding. Static feeds miss them, fraud rings target them, and state lender-licensing policy requires fast decisioning anyway. Here is the verification playbook.

News

Shela Heramis

April 27, 2026

April 24, 2026

13 Minute Read

Pioneer-Targeted Lending Deal Triggers Warehouse Repricing Risk

SOFR+350-450 warehouse paper faces Q4 2026 repricing test

News

Shela Heramis

April 23, 2026

April 22, 2026

15 Minutes Read

CFPB Kills ECOA Disparate Impact, Effective July 21

Reg B Final Rule Hits 482,000 Nondepositories

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