Label
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Surface deal-killing
signals immediately

Label resolves the borrower against credit, state business registries, secured filings, court records, and any connectors you use already.

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See how it works

Same name. Different merchant.

Entity resolution is the part of KYB funders skip — and the part that catches synthetics, reused EINs, and stacked positions attributed to the wrong shell. Label runs the disambiguation before scoring, with a reviewer on every close call.

Match Candidate A

Acme Holdings LLC

EIN ••-•••5821 · NY · Formed Mar 2018

  • Officer match Guarantor on filing
  • Address trail Credit · registry agree
  • Domain provenance Aged 4yr
  • Default-DB screen Not listed
Confidence 0.93
Reject Candidate B

Acme Holdings LLC

EIN ••-•••8203 · DE · Formed Sep 2021

  • Officer match No overlap
  • Address trail No registry record
  • Domain provenance Registered 4mo ago
  • Default-DB screen Listed · 2023
Confidence 0.12

Both files come back from the registry under the same legal name. Only one of them is the merchant on the submission. Picking the right one is the part funders quietly get wrong.

What Label resolves and verifies.

Pulling data is the easy part. Resolving it — making sure the John Smith on the credit pull is the same John Smith named on the UCC filing — is the part funders get burned on.

Featured

Identity verification

Guarantor SSN, date of birth, and address triangulated against consumer credit. Identity-trail scoring catches synthetics and stale records the way a seasoned reviewer would — but in seconds, and with the receipts attached.

Sample identity trail

  • SSN trail 94
  • Address (24mo) 100
  • Phone provenance 88

  • Business legitimacy

    Entity status pulled from state business registries — formation date, jurisdiction, registered officers, and dissolution check. Shell companies and reactivated husks surface immediately.

  • Lien & litigation discovery

    Active secured filings classified by funder type, plus federal and state court history for the business and its principals. Stacked positions and open judgments are surfaced, not buried.

  • Default-database screening

    Every submission cross-referenced against the MCA industry default database before it ever reaches an underwriter. A first-pass screen no funder should be skipping.

Seven independent sources. One verdict.

Every submission runs against all of these in parallel. Coverage isn't a single API call — it's a fan-in with reconciliation, and a reviewer on every adverse signal.

Source coverage

Live verification

  • Consumer credit

    Guarantor identity & credit profile

    Matched

  • State business registries

    Entity status, jurisdiction, officers

    Active · 6yr

  • Secured filings

    UCC-1 liens classified by funder type

    3 active

  • Federal court records

    Bankruptcy & federal civil/criminal

    Clean

  • State court records

    Civil judgments & criminal history

    1 civil

  • Industry default database

    MCA default consortium

    Not listed

  • Domain & web presence

    Registrar age, domain provenance

    Aged 4yr
7 sources reconciledRisk surface · low–medium

What underwriters see.

Identifiers resolved, the entity record on file, and every adverse signal collected in one place — with a confidence score on each match so reviewers know what to look at first.

Identity match

guarantor

Every identifier triangulated against credit and registry data, scored by reliability of the trail.

  • SSN trail Consistent
  • Date of birth Match
  • Address (24mo) 2 of 2
  • Phone provenance Aged 6yr
  • Email · domain Aged 4yr
Identity confidence 0.93

Entity record

State registry truth — formation, jurisdiction, officers, and active status, reconciled against the submission.

Legal name
Northbridge Auto Service LLC
Jurisdiction
New York
Formed
Mar 2018 · 8yr
Status
Active
Registered agent
On file
Officers (2)
Match guarantor
Registry match 0.97

Risk surface

Adverse signals from every source, ranked. Reviewer attention, never a silent rejection.

  • Active secured filings

    3 UCC-1s, 2 classified as MCA · combined daily ACH visible

  • Civil judgment

    State court · open balance, 14mo old, principal-named

  • Officer change (recent)

    Registry update 4mo ago — new managing member added

Reviewer queue 1 high · 1 med

See it on your deal flow.

A 30-minute walkthrough on real submissions. We resolve them alongside your underwriters and you keep the output.

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