What We Do
Everything You Need, Under One Roof
From financial services licensing and renewals to surety bonds, insurance, and registered agents, we handle it all so you can focus on what matters.
Talk to an expert
Tell us about your situation. An expert will respond within one business day with next steps.
Licensing regulations by state
Licensing regulations by state
Where you operate shapes what you file
52 of 52 jurisdictions documented. Pick a state to see the regulator, the license rule, and the bond.
Three things that go wrong with licensing providers. Fixed.
Fewer handoffs. A real timeline. One place to see where you stand.
- What usually happens
Most Providers Sell You Filings One at a Time.
You buy a license here, a bond there, an entity formation from someone else. Each one re-asks for the same paperwork. Each one runs its own clock. You end up project-managing your own compliance.
- Then it stalls
Then You Get Handed off Three Times.
Sales rep to onboarding rep to filer to renewals team. Each handoff loses context. By the time an examiner has a question, the person who knows your file has moved on.
- Here, it works differently
One specialist. One timeline. One place to see it.
Every service you need across every state is one workflow with one owner. You see each filing move from drafted to filed to issued in Atlas, and the same specialist owns it from day one through renewal.
Start an application
Filings + Licensing in Every State
Pick a state to see active licensing summaries, regulators, and renewal cadence, straight from our regulatory team's notes.
Licensing Services
Third-Party Collection Agency Licensing
License applications and bond procurement for third-party collection agencies in all 50 states.
Learn MoreFirst-Party Collection Licensing
Identify and obtain first-party collection licenses where state law requires them.
Learn MoreCollection Attorney Licensing
Multi-state attorney exemption analysis and collection-agency licensing where required.
Learn MoreStudent Loan Servicer License
Licensing for federal and private student loan servicers across the rapidly evolving servicer-license landscape.
Learn MorePassive Debt Buyer Licensing
Identify states that license passive debt buyers and manage applications, bonds, and renewals.
Learn MoreActive Debt Buyer Licensing
Full licensing program for debt buyers who collect on their own purchased portfolios.
Learn MoreDebt Settlement Company Licensing
Debt management and debt settlement company licensing, including trust account and fee-cap compliance.
Learn MoreStart a Collection Agency
End-to-end formation and licensing for new ARM industry entrants.
Learn MoreCredit Grantor Licensing
Licensing for businesses extending credit directly to consumers.
Learn MoreConsumer Lending Licensing
Multi-state consumer-lending licensing for installment lenders and credit-grantors.
Learn MoreSupervised Lender Licensing
Licensing for lenders making loans above the small-loan rate caps in supervised-lender states.
Learn MorePayday & Small Dollar Lending Licensing
Payday and small-dollar lender licensing across the patchwork of state regulatory regimes.
Learn MoreCommercial Lending Licensing
Business and commercial lender licensing in states that regulate non-consumer credit.
Learn MoreStudent Loan Lender Licensing
Licensing for private student-loan originators.
Learn MoreMotor Vehicle Sales Finance Licensing
Licensing for indirect auto lenders and motor vehicle sales finance companies.
Learn MoreStart a Lending Business
Formation, licensing, and bond procurement for new lenders.
Learn MoreMortgage Lender & Broker Licensing
NMLS company licensing for mortgage lenders and brokers in all 50 states.
Learn MoreMortgage Servicer Licensing
Servicer licensing across the states that regulate residential mortgage servicing.
Learn MoreMortgage Loan Originator (MLO) Licensing
Individual MLO licensing through NMLS, including pre-licensing education and SAFE testing.
Learn MoreMortgage Note Investor Licensing
Licensing for investors who purchase and hold residential mortgage notes.
Learn MoreStart a Mortgage Business
End-to-end formation, NMLS registration, and state licensing for new mortgage lenders and brokers.
Learn MoreMoney Transmitter License
Multi-state money transmitter licensing for payment processors, fintechs, and crypto businesses.
Learn MoreCryptocurrency Licensing
BitLicense, money transmitter, and crypto-specific licensing across applicable states.
Learn MoreStart a Money Transmitter Business
End-to-end FinCEN registration, BSA/AML build-out, and state licensing for new payment and money services businesses.
Learn MoreStart a Crypto Business
End-to-end regulatory mapping, FinCEN registration, and state-by-state licensing for new cryptocurrency and digital asset businesses.
Learn Moresurety
Contract Bonds
Performance, payment, bid, and maintenance bonds for contractors of every size, backed by A-rated carriers.
Learn MoreFidelity Bonds
ERISA, business services, blanket, and employee dishonesty bonds.
Learn MoreNMLS Surety Bonds (ESBs)
Electronic surety bonds for mortgage lenders, brokers, originators, and servicers via NMLS.
Learn MoreDebt Collector Bonds
Collection-agency bonds satisfying state licensing requirements in every regulated state.
Learn MoreLender Bonds
Surety bonds for consumer, commercial, and supervised lenders.
Learn MoreInsurance Adjuster Bonds
Public and independent insurance adjuster surety bonds.
Learn MoreCredit Service Organization Bonds
CSO surety bonds for credit-repair and related service organizations.
Learn MoreMoney Transmitter Bonds
MTL surety bonds matching state-specific bond schedules.
Learn MoreNotary Bonds
Same-day notary bonds for every state requiring one.
Learn MoreProbate Bonds
Executor, administrator, guardian, and conservator probate bonds.
Learn MoreInsurance
Errors & Omissions (E&O)
Protect your business from claims of professional negligence, errors, or inadequate work. E&O insurance covers legal defense costs and settlements arising from mistakes or failure to deliver services as expected.
Learn MoreEmployment Practices Liability (EPLI)
Shield your business from employee-related claims including wrongful termination, discrimination, harassment, and retaliation. EPLI covers legal defense and damages.
Learn MoreWorkers' Compensation
Statutory workers' compensation insurance covers medical expenses, lost wages, and rehabilitation for employees injured on the job. Required in nearly every state for businesses with employees.
Learn MoreDirectors & Officers (D&O)
Protect your company's directors and officers from personal liability arising from decisions made in their capacity as leaders. D&O insurance covers legal fees, settlements, and judgments.
Learn MoreEmployee Theft / Fidelity
Cover losses from employee dishonesty, theft, fraud, or forgery. Fidelity bonds and crime insurance protect your business assets from internal threats.
Learn MoreLawyer Professional Liability (LPL)
Specialized malpractice coverage for attorneys and law firms. LPL insurance covers claims of negligence, errors in legal advice, missed deadlines, and conflicts of interest.
Learn MoreUmbrella / Excess Liability
Extend your coverage limits beyond your primary policies. Umbrella insurance provides an additional layer of protection against catastrophic claims that exceed the limits of your underlying liability policies.
Learn MoreErrors & Omissions (E&O) Insurance
Cover the cost of defending and settling claims that you made a mistake, missed a step, or gave bad advice.
Learn MoreTech E&O Insurance
E&O purpose-built for technology businesses, software vendors, and platform operators.
Learn MoreData Liability Insurance
Coverage for claims arising from how you collect, store, and use third-party data.
Learn MoreCyber Liability & Data Breach Insurance
Pay for breach response, notification, regulatory inquiries, and the business interruption that follows a cyber event.
Learn MoreEmployment & Management Liability
The bundle that protects your leaders, your hiring decisions, and your treasury from internal exposure.
Learn MoreEmployment Practices Liability (EPL)
Defense and damages for the most common employee-driven claims.
Learn MoreDirectors & Officers (D&O) Insurance
Personal-asset protection for the people making decisions on behalf of the company.
Learn MoreEmployee Dishonesty & Crime
Cover losses to your own treasury from internal theft, forgery, and fraud.
Learn MoreLawyer Professional Liability (LPL)
Malpractice coverage built around the realities of legal practice.
Learn MoreGeneral Liability Insurance
The third-party bodily injury and property damage policy every business should carry.
Learn MoreGeneral Property Insurance
Coverage for the building, equipment, inventory, and improvements you depend on.
Learn MoreWorkers' Compensation
Statutory coverage for employees injured on the job. Required in nearly every state.
Learn MoreHealth Insurance & Benefits
Group medical, dental, vision, and ancillary benefits packaged for small and mid-size employers.
Learn Morebusiness-services
Business Entity Formation
LLC, corporation, and partnership formation in all 50 states, structured for licensing readiness.
Learn MoreRegistered Agent Services
Registered agent services in all 50 states with regulatory mail handling and digital delivery.
Learn MoreBeneficial Ownership Reporting
FinCEN BOI reporting under the Corporate Transparency Act.
Learn MoreBackground Checks
Compliant, fast, and admissible background-check packages. Authorization links are sent to subjects directly; results route to the right state regulator.
Learn MoreWhat We Do
Licensing, bonds, formation, and ongoing compliance, run by specialists.
Cornerstone Licensing
How we use AI
AI helps our team work faster. Our specialists still own every call.
We use AI as an assistant for the people doing the work, not as a replacement for their judgment. The models run on Cornerstone infrastructure, not public LLMs, so your business information stays with us. Every application and renewal is reviewed by a licensed specialist before it reaches a regulator.
On Our Infrastructure
Our models run on Cornerstone servers, not public chatbots. Your business information is not sent to a third-party LLM or used to train anyone else's product.
An Assistant, Not an Operator
AI helps our licensing team start their research in the right place and surface the resources to look at. Specialists vet what comes back and make the call.
Less Duplicate Work for You
Atlas figures out what data each form needs, then reuses what you have already given us so the same question does not come around twice. That is how approvals come faster.
Explore More From Our Team
Tools and references our customers use most.
What We Do
Talk to an Expert
An expert will respond within one business day.