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Shela Heramis

December 3, 2025

December 4, 2025

4 Minutes Read

Performance & Reliability of Cobalt Intelligence API

What to Expect When You Scale to 10k Loan Applications Per Month?

Alternative Financing

Shela Heramis

December 3, 2025

4 Minutes Read

The Competitive Advantages of the Cobalt Intelligence API (And Why "Good Enough" Data is Costing You Deals)

Most data providers build for "general business intelligence." They sell to sales teams looking for leads, marketing teams cleaning email lists, and procurement teams vetting vendors.

Alternative Financing

Shela Heramis

December 3, 2025

December 2, 2025

4 Minutes Read

Who should use the Cobalt Intelligence API?

There is a specific breaking point where manual processes go from "manageable" to "margin-killing."

Alternative Financing

Shela Heramis

December 3, 2025

December 1, 2025

4 Minutes Read

What is the Cobalt Intelligence SOS API?

You’re staring at a queue of 50 loan applications at 4:30 PM on a Friday. Your underwriting team is bottlenecked because the California Secretary of State

Alternative Financing

Shela Heramis

November 30, 2025

November 26, 2025

6 Minutes Read

How to Streamline Verifying Contractor Licenses Across Different States: A Risk Manager's Guide to Multi-State Compliance

Executive Summary: Risk managers face mounting pressure to verify contractor licenses across multiple state jurisdictions—a process that consumes time, increases liability exposure, and creates compliance gaps.

Alternative Financing

November 28, 2025

November 25, 2025

6 Minutes Read

How to Access Real-Time Business Status Data from Multiple States: A Risk Manager's Guide to SOS API Integration

For Risk Managers overwhelmed by manual ownership research across multiple jurisdictions, Secretary of State (SOS) API integration offers automated access to real-time business status data from all 50 states and DC.

Alternative Financing

Shela Heramis

November 19, 2025

November 24, 2025

10 Minutes Read

How to Automate Secretary of State Lookups for Business Verification: A Risk Manager's Guide to Eliminating Manual Ownership Research

A Risk Manager's Guide to Eliminating Manual Ownership Research

Alternative Financing

Shela Heramis

November 9, 2025

November 08, 2025

6 Minutes Read

Experian and Lendflow Embedded Lending Marketplace

Experian Cashflow Score: 25% better predictions than credit scores

Alternative Financing

Shela Heramis

November 9, 2025

October 31, 2025

6 Minutes Read

Why is inactive LLC is a classic component of a synthetic identity?

Fraudsters weaponize speed and surface legitimacy, betting your systems won’t triangulate fast enough.

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