The public-record risk layer for underwriting.

Underwriting a commercial loan means knowing what the public record says about the borrower and the collateral. Amalgament returns that risk profile in one call, liens, UCC filings, litigation, and regulatory history, resolved to the right entity, so it feeds your underwriting workflow instead of your analyst's afternoon.

The risk signals underwriting looks for

Liens and UCC financing statements, litigation and judgments, bankruptcy, regulatory and environmental actions, ownership changes, business licenses, property values, permits, and government contracts, joined to one business or property. Enough to answer “what is the public-record risk profile of this commercial property or business.”

Context layer, not the credit decision

Amalgament does not make the lending call; it is the research and context layer feeding it. Pull a borrower's or collateral's full public footprint over the API so your model and your underwriters work from ground truth.

Resolved and current

Signals only matter if they attach to the right entity. Amalgament resolves the borrower across sources and re-pulls the records, so a lien filed under a related LLC still surfaces, and every record carries its date.

What you can ask

UCC filings API · Business records API · Property records API

Common questions

Does Amalgament make the lending decision?

No. It is the public-record research and context layer feeding your underwriting workflow; the decision stays yours.

What collateral signals does it cover?

Property records, liens, UCC financing statements, and the business entities tied to a parcel, so you can research collateral alongside the borrower.

Is this consumer credit data?

No. Amalgament is business-and-place centric and non-FCRA; it serves commercial underwriting research, not consumer credit decisions.

More solutions: Due diligence · KYB & AML · Sales intelligence · Property intelligence · Commercial real estate · Competitive intelligence · Vendor & third-party risk · Construction & development · Site selection · Environmental due diligence · M&A & private equity · Insurance & catastrophe risk · Government contractors · Government & economic development · Investigative research · Law firms