Lending

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

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

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.

August 7, 2026

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.

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.

August 7, 2026

15 Minutes Read

What Fields Does a Secretary of State API Return? A Developer Reference

Every field a Secretary of State API returns, what each one means for underwriting, and how to model the ones a state declines to provide.

August 7, 2026

How to Test an SOS API Before Buying: The Sandbox Evaluation Checklist

Vendor sandboxes reward happy-path demos. A procurement checklist that tests failure paths: slow states, error shapes, expiry behavior, and support response.

August 7, 2026

The US Corporate Registry API, Explained: One Call, 51 Separate Registries

There is no single US corporate registry. How 50-plus Secretary of State systems work, and how an aggregating API turns them into one integration.

August 7, 2026