Risk Assessment

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Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Top Court Records APIs Compared for Lenders

Court records APIs compared for lenders on the axes that matter: coverage, search method, latency, integration model, and audit trail, with where a targeted state-court API fits.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Judgment Lien Searches via Court Records API

How lenders use court-records data to surface judgment liens against a borrowing business, route by judgment count, amount, and recency, and connect judgments to repayment and collateral risk.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Federal Court Records vs State Court Records: What Lenders Should Check

Federal court records versus state court records explained for lenders: what each covers, when to check which, and where a targeted state court-records API fits in underwriting diligence.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Professional License Check for Marketplace Lending

How marketplace lenders run a professional license check at intake to confirm a borrowing contractor holds a valid, active license, with honest coverage limits and fallback routing.

Business Verification

Shela Heramis

June 3, 2026

7 Minutes Read

Contractor License Verification by State: Coverage and Verification Speed

How lenders verify contractor licenses by state, with a coverage matrix for the states Cobalt supports, async verification speed, and fallback handling for states outside coverage.

Business Verification

Shela Heramis

June 2, 2026

11 Minutes Read

OFAC Screening for Syndicated MCA and Participation Deals

Each participant in a syndicated MCA deal carries its own OFAC liability. How to screen entity, owners, and counterparties, what the syndication agreement must require, and audit per funder.

Business Verification

Shela Heramis

May 27, 2026

7 Minutes Read

OFAC Screening + Beneficial Ownership: BOI-Era Compliance

How alternative lenders handle OFAC beneficial ownership BOI with API screening, match-score routing, owner checks, and audit-ready evidence.

Business Verification

Shela Heramis

May 27, 2026

7 Minutes Read

OFAC Compliance for Equipment Finance + Asset-Based Lending

How alternative lenders handle OFAC equipment finance asset based with API screening, match-score routing, owner checks, and audit-ready evidence.

Business Verification

Shela Heramis

May 27, 2026

7 Minutes Read

How to Audit OFAC Screening for Regulatory Examinations

How alternative lenders handle OFAC audit regulatory exam with API screening, match-score routing, owner checks, and audit-ready evidence.

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