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Automate & integrate SOS, court, and other public data into your MCA underwriting process — so you can move forward quickly & confidently

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FREE UP YOUR OVERWHELMED UNDERWRITERS

Check, collect, & integrate live business data

Funders large and small use Cobalt for...

Business verification

Discover if a business is registered with the Secretary of State and if it is in good standing. All in seconds.

Business owner information

Find principal owner and officer information, plus mailing address, phone number, and more.

Accurate data

Because Cobalt accesses LIVE Secretary of State data, you're guaranteed to get the most up—to—date information.

Know Your Business compliance

Along with expediting the business verification process, Cobalt helps you automate your KYB compliance.

Take the pressure off your underwriters & protect against fraud with
22+ SOS data points

With Cobalt working behind the scenes for you, your team can process applications much faster (even outside of business hours!)

Entity Name

50 states

Status

46 states

Search By Address

49 states

Search By Person

31 states

State of Formation

35 states

Filing Date

50 states

Entity Type

45 states

Industry

6 states

Officer Information

28 states

Organization Documents

18 states

Entity Id

50 states

Agent Name

49 states

Agent Address

48 states

Physical Address

35 states

Mailing Address

16 states

Secretary of State URL

18 states

Phone Number

4 states

Email

6 states

Screenshot

50 states

UCC Liens

11 states

Tin Verification

49 states

Form 5500 Series Data

Coming soon

"This has freed up a ton of bandwidth..."

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"Before this, we were checking it all manually. We have a processing team and this has freed up a ton of bandwidth for them. Cobalt helps us verify the file data that the customer is giving us on the applications. It helps reduce fraud for our lending partners."
— Kunal Bhasin

Seamlessly make Cobalt part of your process via API

Automatically integrate SoS data into your decision—making process. With the Cobalt API, you can pull the data points you need directly into your software of choice (yep, even proprietary tools). Setup and onboarding with our friendly developers usually takes less than 1 day.

CONNECT VIA API
"The integration with the API was seamless and quick, allowing us to verify the status of potential applicants with their respective Secretary of State easily for expedited underwriter review."
— Nick Mates
lendr
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Easily Get Data via Batch Upload

Have a list of businesses but don't have a development team ready to build an integration? No problem! Use the Batch Upload tool to upload your CSV file of businesses, and get all of the SoS data you need delivered back to you in CSV format.

COBALT CUTS THROUGH BUSYWORK LIKE BUTTER

Access up-to-date data

from all 50 states

Every Secretary of State office collects different data points and uses its own formatting — which makes manually accessing SoS data expensive, tedious, and time—consuming for alternative funders. Cobalt pulls the information you need from any state in seconds

"I've worked with Cobalt Intelligence for some time now and I'm consistently impressed… The Secretary of State data they provide integrates seamlessly with our proprietary software, making it easy to access the information we need. Overall, I highly recommend Cobalt Intelligence to anyone looking for reliable and high—quality data services."
- Jessi Roesch
LeasePoint Funding Group

WHY COBALT?

Helping de—risk the alternative business finance space

Defaults suck. But so does losing deals because the business verification process took too long. Cobalt gives you the accurate data you need with speed.

Plenty of businesses are barred from traditional financing for perfectly innocent reasons. You see it every day, and it's up to your team to do the research and decide whether or not to offer those businesses funding.

But your business verification process isn't perfect:

  • Maybe you're using a patchwork of different background—check, identity verification, and skip—tracing tools (which can be expensive or worse, inaccurate)
  • Or maybe you're spending hours manually digging through records to find trustworthy info on court judgments, default histories, UCC liens, or even simply the business owner's legal name
  • No matter your process, you want to quickly disqualify bad—fit businesses and efficiently vet promising candidates

See the whole picture with Cobalt

Expedite the business verification process so you can make financing decisions with confidence.

Your underwriting team will thank you.

LET COBALT DO THE WORK Cobalt could save your underwriting team hours a day