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Cobalt Intelligence

@CobaltIntell

Providing business data for US Secretary of State registered businesses.

 Eagle, ID
CobaltIntelligence.com
Joined November 2015
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Lending Intake: The Routing Rule for Safe Automation Related Reads - Full implementation guide: cobaltintelligence.com/blog/… - 50-state verification guide: cobaltintelligence.com/blog/… API Documentation: documentation.cobaltintellig… Book a Demo: cobaltintelligence.com/lp/de…
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A court case is closed does not tell a reviewer whether the borrower won, lost, settled, paid, or walked away from an obligation, and treating a closed status as a stand-in for any of ... cobaltintelligence.com/blog/…
A Court Case Is Closed: Read the Disposition Before Updating the Credit File

A Court Case Is Closed: Read the Disposition Before Updating the Credit File

Court case is closed: Require the actual outcome before labeling a closed case as a win, loss or ongoing exposure.

cobaltintelligence.com
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Lending Intake: A Five-Step Verification Workflow for Lending Teams - Full implementation guide: cobaltintelligence.com/blog/… API Documentation: documentation.cobaltintellig… Book a Demo: cobaltintelligence.com/lp/de… Free Trial: app.cobaltintelligence.com/c…
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Expiring registry document links are a routine part of automated Secretary of State retrieval, and treating a working URL as permanent storage is a common mistake in loan file assembly. cobaltintelligence.com/blog/…
Expiring Registry Document Links: Keep the Filing Evidence Your Loan File Needs

Expiring Registry Document Links: Keep the Filing Evidence Your Loan File Needs

Expiring registry document links: Prevent a stored link from being mistaken for durable filing evidence.

cobaltintelligence.com
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JPMorgan Accounts for Net Small-Firm Loan Drop cobaltintelligence.com/blog/…
JPMorgan reported 242K fewer small-firm loans

JPMorgan reported 242K fewer small-firm loans

The 2025 CRA data show 217,253 fewer bank loans to firms with $1 million or less in revenue. Bank-level files put more than all of that drop at one bank.

cobaltintelligence.com
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ACH and Wire Risk: Verify the Tax ID Before Funds Move Related reads: - TINCheck for ACH and Wire Compliance: Why It's Required: cobaltintelligence.com/blog/… Schedule a free demo cobaltintelligence.com/lp/de…
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OppFi Pulls Bank Applications Seven Weeks After Enova cobaltintelligence.com/blog/…
OppFi pulls applications for $130M bank deal

OppFi pulls applications for $130M bank deal

The merger agreement is still in effect, and the first lender to withdraw keeps funding through securitization and notes.

cobaltintelligence.com
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When two business names match one EIN, an underwriter still needs to establish which legal entity is borrowing. Cobalt documents that similar names can both pass its IRS name-control check, while the IRS explains that... cobaltintelligence.com/blog/…
Two Business Names Match One EIN: What Should the Underwriter Verify Next?

Two Business Names Match One EIN: What Should the Underwriter Verify Next?

Business names match one EIN: Avoid treating a name-control match as unique entity identification.

cobaltintelligence.com
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UCC Loan Stacking: Hidden Liens Before MCA Funding Related read: blog.cobaltintelligence.com/… Schedule a demo: cobaltintelligence.com/lp/de… #CobaltIntelligence #UCCFilings #CommercialLending #Secretaryofstateapi #finance #lending #Business #Automation #Cobaltintelligence #underwriting
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One Business, Two Platform Customers: Keep Verification Evidence Separate by Tenant and Application cobaltintelligence.com/blog/…
One Business, Two Platform Customers: Keep Verification Evidence Separate by Tenant and Application

One Business, Two Platform Customers: Keep Verification Evidence Separate by Tenant and Application

Keep shared business identity separate from each platform customer, application and verification revision when storing and retrieving evidence.

cobaltintelligence.com
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Federal vs State Court Records: What Lenders Should Check Related read: blog.cobaltintelligence.com/… Schedule a demo: cobaltintelligence.com/lp/de… #CourtRecords #CommercialLending #RiskManagement #Secretaryofstateapi #Finance #Business #API #Automation #Cobaltintelligence #underwriting
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The Contractor Changed Legal Entities: Reconcile the License Before the Next Lending Decision cobaltintelligence.com/blog/…
The Contractor Changed Legal Entities: Reconcile the License Before the Next Lending Decision

The Contractor Changed Legal Entities: Reconcile the License Before the Next Lending Decision

Reconcile a California contractor entity change with the current license record before the next draw, renewal or lending decision.

cobaltintelligence.com
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A Judgment Amount Is Not a Current Payoff Balance: Court Evidence for Credit Review cobaltintelligence.com/blog/…
A Judgment Amount Is Not a Current Payoff Balance: Court Evidence for Credit Review

A Judgment Amount Is Not a Current Payoff Balance: Court Evidence for Credit Review

Keep entered judgment amounts separate from current payoff evidence, and record the missing information needed for a credit decision.

cobaltintelligence.com
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Lookalike DBAs Pass Auto-Approval on a Single Green Flag Related Reads - Full implementation guide: cobaltintelligence.com/blog/… API Documentation: documentation.cobaltintellig… Book a Demo: cobaltintelligence.com/lp/de… Free Trial: app.cobaltintelligence.com/c…
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Fed: 12 of 50 Banks Tighten Nonbank Lender Credit cobaltintelligence.com/blog/…
Fed: 12 of 50 Banks Tighten Nonbank Lender Credit

Fed: 12 of 50 Banks Tighten Nonbank Lender Credit

A net 22% of those banks tightened, and across all nonbank borrowers, collateral and covenants moved more than spreads.

cobaltintelligence.com
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Court Search Results Have Different Detail Levels: Do Not Review Every Hit as a Full Case A court-search response can contain records with different levels of detail. Cobalt's current New York example gives the first... Read more here: cobaltintelligence.com/blog/…
Court Search Results Have Different Detail Levels: Do Not Review Every Hit as a Full Case

Court Search Results Have Different Detail Levels: Do Not Review Every Hit as a Full Case

Review court search hits by their actual detail, party association and source references before drawing conclusions for a credit file.

cobaltintelligence.com
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Business Name Autocomplete: New Cobalt API Feature Related Reads - Full article: cobaltintelligence.com/blog/… Schedule a free demo: cobaltintelligence.com/lp/de… #SameBusinessName #Autocomplete #BusinessVerification #SecretaryOfState #AlternativeLending #Secretaryofstateapi #finance
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First Internet Runs Off $331M of Franchise Loans cobaltintelligence.com/blog/…
First Internet exits its $331M franchise loan book

First Internet exits its $331M franchise loan book

The bank is running off a franchise book that shrank to $331 million from $450 million in a year, and one owner in forbearance has already failed to refinance elsewhere.

cobaltintelligence.com
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TypeAhead for Lending Forms: Less Typing, Fewer Entity Mistakes Related Reads - Full article: cobaltintelligence.com/blog/… Schedule a free demo: cobaltintelligence.com/lp/de… #TypeAhead #LendingForms #Business #MerchantCashAdvance #AlternativeLending"#Secretaryofstateapi #finance
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No Business Monitoring Webhook Arrived: Separate No Change From No Completed Check Read more here: cobaltintelligence.com/blog/… #BusinessVerification #Finance #SecretaryOfState #EntityVerification #Underwriting #FraudPrevention #CobaltIntelligence #alternative #business #Lending
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