REAL-TIME BUSINESS VERIFICATION API

Verify Businesses In Real Time
Using Live Government Data

It pulls live Secretary of State data via API, returns current status and a timestamped certificate and approves or rejects applications instantly, even outside office hours.

Try The API 20 free lookups. No credit card.
Book a Demo Includes 80 additional lookups
Uri Sittan

"Cobalt Intelligence helped us solve ongoing data accuracy issues by providing reliable verification we can trust."

Uri Sittan, Co-Founder and CTO, Become

Live business verification demo

Search any business by name and state — get live Secretary of State data back in seconds.

TRUSTED BY LENDING TEAMS

What Our Customers Say

"Adding Cobalt has been a great addition to our onboarding process as it's reduced friction, increased the rate of completed applications, and improved customer satisfaction."

Rich McIver

Rich McIver

CMO, AltruPay

"We were looking for a partner to provide entity status checks for US corporations and LLCs across the US states via an API. Cobalt Intelligence provided exactly what we needed. They are a pleasure to do business with!"

Gary J. Highland

Gary J. Highland

Founder & CEO, EntityScanAI

"Working with the Cobalt team has been a consistently positive experience. They're extremely responsive and proactive about checking in. They're also open to feedback and suggestions, which makes problem-solving collaborative."

Theo Mills

Theo Mills

CTO, Onramp Funds

Works In All 50 States

Use the same API to verify businesses in every US state using local Secretary of State data.

Live Source + 22 Data Points

Each lookup pulls live data from the Secretary of State and returns 22 verification fields plus a timestamped proof.

Full Verification Record

You get a full verification record, not just a status check. Enough data to approve, reject, or flag with confidence.

1-Day Setup

Create an account, get an API key, and integrate. Most teams are live in one day.

TRY IT YOURSELF OR BOOK A DEMO

Turn Your Business Verification
Process Into An Always-On System

Applications are checked using live Secretary of State data, results go straight into your product, and decisions no longer wait for people or office hours.

Process applications as they arrive, even at night
Verify more volume without hiring more people
Make decisions using live data and a full verification record
Try the API 20 free lookups.
No credit card.
Book a demo Get 80 additional lookups and
see how teams use it in practice.

While You're Waiting To Verify A Business,
Someone Else Already Sold The Loan

When verification depends on manual checks or cached data, every application sits in a queue. While your team is reviewing forms and government websites, someone else is already sending the offer.

Manual verification vs API-powered verification timeline comparison
⚠️

Manual checks

Every application is checked by hand.

⚠️

More headcount

Hiring people increases volume, not speed.

⚠️

Outdated records

Some tools use cached, months-old data.

⚠️

Lost deals

The fastest lender usually wins.

Most applicants apply to several institutions at the same time.

The one that approves first usually wins.

Finally, Verify Applications As They
Arrive Or Process Entire Lists At Once

REAL-TIME VERIFICATION
Real-time SOS verification result for Meridian Capital LLC

Approve Or Reject Applications Instantly

Verify each application as it arrives using live Secretary of State data. The result appears directly in your review flow, without manual checks.

Approvals and rejections happen automatically, 24/7
BULK VERIFICATION
Bulk CSV verification results showing 2,847 businesses processed

Verify Entire Portfolios In One Run

Upload a CSV and verify entire lists of businesses in one run using the same live data and the same verification output.

Process thousands of businesses from a single CSV upload

See The Full Legal Profile Using 22+
Live Secretary Of State Data Points

Each lookup returns a complete, timestamped Secretary of State record. Your team gets the identity, legal status, and risk-related data needed to approve, reject, or flag a business, automatically,

DATA RETURNED PER LOOKUP:

Business Identity

  • Entity Name — 50 states
  • Entity ID — 50 states
  • Entity Type — 45 states
  • State of Formation — 35 states
  • Filing Date — 50 states
  • Industry — 6 states

Location & Contact

  • Physical Address — 35 states
  • Mailing Address — 16 states
  • Agent Name — 49 states
  • Agent Address — 48 states
  • Phone Number — 4 states
  • Email — 6 states

Legal Status & Records

  • Status — 46 states
  • Organization Documents — 18 states
  • Secretary of State URL — 18 states
  • Form 5500 Series Data — Coming soon

Search & Discovery

  • Search by Address — 49 states

Risk & Financial Flags

  • UCC Liens — 11 states
  • TIN Verification — 49 states

Ownership & People

  • Officer Information — 28 states
  • Search by Person — 32 states

Cobalt always returns the maximum available data for each jurisdiction.

See How To Get It Running In 24h Without
Changing Your Verification Workflow

STEP 1: GET API KEY

Create Free Account And Get Access

Create an account and generate your API key. This is all you need to start making requests to the live Secretary of State data sources.

  • Immediate access to the API
  • 20 free lookups to test in your system
  • Access to documentation and examples
Cobalt Intelligence API key dashboard with quick start guide
API request and JSON response with real business verification data
STEP 2: PULL THE DATA

Fetch Live Verification Data

Use a simple request to pull live business data from the Secretary of State. The API returns structured fields plus a timestamped proof.

API Reference

Clear request and response examples for all endpoints.

Predictable output

Same fields and format for every state.

See Full Documentation Here
STEP 3: SHOW IT IN YOUR UI

Get Results Into Your Existing Review Screen
(Directly In Your User Interface!)

Display the verification result inside your existing application review flow, so your team sees the data where they already work.

Map the fields

Choose which data points appear in your review screen and where.

Trigger decisions

Use the response to drive your existing rules or scorecards.

SEE HOW OTHER TEAMS USE IT IN THEIR PRODUCTS:
AccuLend review screen with Cobalt Intelligence verification data mapped
Automated verification scorecard with 91/100 score and rule evaluation
STEP 4: GO LIVE

Start Processing Applications In 24h

Once connected, applications can be verified as they arrive or in bulk. Most teams are live the same day.

NO MORE QUEUES

Applications do not wait for someone to log in.
Verification happens as soon as they arrive.

"

Soon as the file's entered, the system's automatically pulling that information. It's not a manual process anymore. From the door, we know we're dealing with a verifiable business.

Craig Clark

Craig Clark

CEO, General Merchant Funding

Live production dashboard showing 1,247 verifications today with 99.97% uptime
SUPPORT

Get Support From The People
Who Built It

You get a dedicated support manager, and an engineer can jump in when you need help. No ticket queues, no waiting for escalations.

Ask implementation and data questions directly

Get help debugging or handling special cases

Talk directly to engineers, not a support desk

Get onboarding guidance for your specific use case

COMMON QUESTIONS

Frequently Asked Questions

What data does each API lookup return?
Each Secretary of State lookup returns up to 22 data fields, including entity name, status, formation date, registered agent, filing history, and officer names. You also get a timestamped screenshot of the source record as proof of verification. The API returns structured JSON, so every field maps directly into your system without manual parsing.
How does pricing work?
Cobalt uses a credit-based system. Most lookups cost 1 credit each. You start with 20 free lookups to test the API in your own environment. After that, you can choose pay-as-you-go or committed volume tiers. Volume pricing is available for teams processing hundreds or thousands of verifications per month. No long-term contracts are required to get started.
How long does integration take?
Most teams are live within a day. You get an API key immediately on signup, and the API uses standard REST with JSON responses. There is a test mode so you can build and validate your integration without using real credits. For teams that need help, a dedicated support manager walks you through setup for your specific use case.
What happens when a state website is down?
State Secretary of State websites go down periodically for maintenance or outages. When that happens, the API returns a clear status message indicating the source is temporarily unavailable. No credits are consumed for failed lookups. You can use the callback URL pattern to automatically retry and receive results when the source comes back online.
Do you cover all 50 states?
Yes. The Secretary of State API covers all 50 states plus Washington D.C., using the same endpoint and returning a standardized response format. You do not need to build separate integrations for each state. For businesses registered in multiple states, the Full Verification API searches all jurisdictions in a single request.
Can I use this for compliance and audit documentation?
Yes. Every lookup includes a timestamped screenshot of the original Secretary of State record, which serves as a point-in-time verification proof. This gives your compliance team a documentable record that shows what was verified, when it was verified, and what the source data looked like at that moment. Teams use these records for FinCEN, AML, and state exam documentation.
How is this different from D&B or Experian business data?
D&B and Experian aggregate and cache data, which means their records can be weeks or months old. Cobalt pulls directly from each state's Secretary of State website in real time, so you get the current record, not a snapshot from the last time someone else looked it up. Many teams use Cobalt alongside bureau data when they need to confirm that a business is active and in good standing right now.