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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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  • Followers123
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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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NewtekOne Says Its Borrowers Pay From Newtek Bank, and It Reserves 8.1% Against Its Unguaranteed SBA Balances cobaltintelligence.com/blog/…
NewtekOne Gain on Sale Drops to $32K From $9.6M

NewtekOne Gain on Sale Drops to $32K From $9.6M

The lender that says it ranks first in SBA 7(a) loans by count told analysts its borrowers pay from its own bank, and it is reserving 8.1% against the share of each loan it keeps.

cobaltintelligence.com
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Secretary of State API: Replace Manual Checks in Every State Related reads: - What is the Cobalt Intelligence SOS API? cobaltintelligence.com/blog/… - Live SOS Website Screenshots via API: Audit-Ready Documentation cobaltintelligence.com/blog/…
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Manual Business Verification Overrides: Record the Evidence Without Rewriting the Source Result Read more here: cobaltintelligence.com/blog/… #BusinessVerification #Finance #SecretaryOfState #EntityVerification #Underwriting #FraudPrevention #CobaltIntelligence #business #Lending
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How to Search NY and Miami-Dade Court Records Before Funding Links API Documentation:cobaltintelligence.com/docs Book a Demo: cobaltintelligence.com/lp/de…
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Business Verification at Loan Renewal: What Can Be Reused and What Needs a New Check Read more here: cobaltintelligence.com/blog/… #BusinessVerification #Financing #SecretaryOfState #EntityVerification #Underwriting #FraudPrevention #CobaltIntelligence #alternative #Lending
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