When you lend into distress, litigation is expected. The question is whether it changes your recovery position, and who already holds a perfected lien ahead of you.
In manufacturing, a contract dispute names the counterparty your borrower's revenue depends on. How litigation reveals customer concentration the financials obscure.
Trucking carries catastrophic tail risk, so a pending case can matter more than a closed judgment. How court data and FMCSA safety scores answer different questions.
A landlord nonpayment proceeding is usually the earliest hard signal a restaurant is failing. Which case types predict distress and which ones are just noise.
A malpractice suit and a payer dispute are not the same credit signal. How to weight healthcare litigation by case type, and why the borrower entity often is not the defendant.
Franchise lending has a two-entity problem. Why the franchisor's litigation posture matters to your franchisee borrower, and how to resolve the legal name before searching.
Bankruptcy, ERISA and securities actions are federal only. What the two court systems each cover, and why a state-court search is not a substitute for a federal one.
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.
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.
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