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File UCC Financing Statements
The Uniform Commercial Code (UCC) financing statements record and protect a secured party’s interest in the collateral offered by a debtor for a loan. The UCC system gives public notice of the debtor-secured party relationship and the collateral involved.
To record this relationship, you will file a UCC Financing Statement (Form UCC-1). If the conditions change, you may amend the initial filing statement by submitting Form UCC-3. This document will reflect the current relationship including continuation of the maturity date, amendment of the conditions or information in the original filing, termination of the obligation, assignment to another, or partial release of the collateral listed. Filing services are provided for a fee.
Online Filing Service
Our system contains all of the required and optional fields needed to file UCC-1’s and UCC-3’s. With each online filing you will receive electronic confirmation that you have filed, along with a downloadable version of the filed form in the national standard format (as defined by the International Association of Corporate Administrators – IACA). Examples of the forms may be obtained from the IACA homepage or at a local legal stationery store.
Uniform Commercial Code (UCC) filings allow creditors to notify other creditors about a debtor’s assets used as collateral for a secured transaction. UCC liens filed with Secretary of State offices act as a public notice by the “creditor” of the creditor’s interest in the property.
How is a UCC-1 statement assigned a file number?
In most cases, UCC-1 statements are filed with the Secretary of State, which subsequently time-stamps the document and assigns a file number to the associated parties. In industry jargon, the process of issuing UCC-1 notices is referred to as “perfecting the security interest” in the debtor’s property.
What do you need to know about the UCC form?
In addition to creating a public notice of a lien, the financing statement is also used to perfect a security interest or to show priority over third-party creditors. It is a legal document and public record. The UCC-1 serves as evidence in the case of any legal disputes over liability.
How does a UCC-1 form work in real estate?
So, what is a UCC-1 and how does it work? A Uniform Commercial Code form number one (1) is a form creditors use to secure their interest in property. In that sense, the UCC-1 form is to personal property what a mortgage or deed of trust is to real estate. So, creditors use this form to secure collateral for loans, for example.
Where do you file a UCC financing statement?
If a business takes out a loan secured by business property or other assets, such as equipment, a UCC financing statement form is filed. These forms are typically filed with the secretary of state in the state where the business is located. If the loan is secured with real property, such as land or an office building,…
What do you need to know about a UCC filing?
The most basic and well known is the UCC-1. Essentially, a UCC-1 can be described as a financing statement. In fact, it is sometimes called a UCC financing statement. A creditor files a UCC-1 to provide notice to interested parties that he or she has a security interest in a debtor’s personal property.
What does a UCC-1 financing statement mean?
A UCC-1 Financing Statement (an abbreviation for Uniform Commercial Code-1) is a legal form that a creditor files to give notice that it has or may have an interest in the personal property of a debtor.
Where do you find a UCC-1 notice?
Often abbreviated as “UCC-1”, these notices are typically printed in local newspapers, in an attempt to alert the masses of the creditors’ intentions.
Where does a UCC-1 lien need to be filed?
In cases where the collateral is tied to a specific physical property rather than financial assets, the UCC-1 is filed in the county where the physical property is located. The UCC-1 becomes a public record, allowing potential creditors to see whether a given property is already pledged against an existing lien.
File Number Search is a free search by the filing number of the document, and does not require an account. Copies of specified lien records can be ordered through the Minnesota Business and Lien System (MBLS) online for a fee; ordering copies requires an account.
To search by file number:
Go to the UCC/Tax Lien page
By default, “file number” is selected
Type your file number into the search box and hit “search”
Your filing details should display
UCC Debtor Name Look-Ups
Debtor Name Look-Ups provide a quick and easy way to find liens immediately. This functionality is useful when formal search reports are not needed. The results of this kind of search are not permissible in court.
Debtor Name Look-Ups require an account and a subscription. When you purchase a subscription you choose how many Name Look-ups you wish to purchase. Additional subscriptions providing for more look‐ups can be purchased at anytime.
Copies of specified lien records found using this method can be ordered online for a fee.
To search by UCC Debtor Name:
Login or Create an Account in our system. Go here for instructions on how to create an account.
Purchase a subscription for the number of name look-ups you would like to do. Go here for instructions on how to purchase a subscription.
Go to the UCC/Tax Lien page.
Select “UCC Debtor Name” above the search box.
Type the Debtor Name into the search box.
How the UCC Debtor Name Look-up handles personal names:
First Name: (not required): Results will contain all names starting with whatever is entered plus everything that follows in the string of the name; plus any similar first names
Example: If first name of “Ron” is entered, the look‐up will include results where the first name field contains: R, Ron, Ronald, Ronda, and so on. Name Equivalency Example: If the first name of “Kurt” is entered the look‐up will include results where the first name field contains: K, Kurt, Curt, Curtis, and Kurtis. For the most results, do not enter a first name.
Middle Name: (not required) Results will contain names including whatever is entered plus everything that follows in the string of the name and no middle name or initial. If no middle name is entered the results will include liens with no middle name or any middle name or with initials that match the first and last name logic
Example: If middle name of “Ron” is entered the look‐up will include results where the middle name field contains: No middle name or initial, middle initial of R, or Ron, Ronald, Ronda, and so on. If no middle name is entered, and the first name “Scott” and Last name “Gerdes” is entered, the look-up will return liens with “Scott M Gerdes” or “Scott Marshall Gerdes” or “Scott Gerdes”.
Last Name: Results will contain only exact matches as to what is entered.
How the UCC DEBTOR Name Look-up handles organization names:
Results contain names including whatever is entered plus everything that follows in the string of the name. (see details about how names are normalized, equivalencies and noise words are matched.)
Example: If the organization name of “PPL Service Corporation” is entered, the search will strip “Service Corporation”, leaving “PPL” as the search criteria. Results will include “PPL Investors LLC”; “PPL Fremont Flats LLC”; “PPL Louisiana Court Limited Partnership” and “PPL Service Corporation”.
Example: If the organization name of “Farm” is entered the results will bring back Farm, Farmers, Farmington Hardware, and so on. Example: If “980 Aldrin” is entered the results will include “980 Aldrin LLC A Minnesota Limited Liability Company” and “980 Aldrin LLC” and “980 Aldrin Company” and “980 Aldrin”.
Example: If “First National Bank” is entered, the normalization process will strip noise words “National Bank”, leaving the word “First” as the search criteria. Results will include “First National Bank”; “First National Bank of Grand Forks”, “The First District Association” and “ First Impression Litho, Inc.”. Example: If “First National Ban” is entered results will include “First National Bank”; “First National Bank in Grand Forks”; “First National Bank of Cold Spring”; “First National Bank and Trust”.
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Metro Area: 651-215-1440
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MN Relay Service: 711
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Safe At Home Mailing Address:
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Business, Lien & Notary Information Phone Line:
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The Uniform Commercial Code Division operates a filing and retrieval center for UCC financing statements at the state level. If a secured party wishes to perfect a security interest in a collateral when the proper place to file is the Office of the Secretary of State, they must submit a UCC-1 form to the UCC Division with the appropriate fees.
Download our UCC brochure for information about available downloads, fees, and more.
All filings submitted to the UCC Division are given an exclusive filing number. To comply with federal and state law, financing statements are filed alphabetically and numerically. In the event that a secured party wishes to terminate, continue, release part of the collateral, assign a new secured party or amend the original financing statement, a UCC-3 form is filed with reference to the original file number. A UCC-5 form may be used to put information on the index – this will not make changes to the information filed on a UCC-1 or a UCC-3. Requests for information on UCC filings require a UCC-11 to be filed. In recent years, the UCC Division began accepting state and federal tax liens for filing. State and federal tax liens are handled in the same manner as the UCC-1 financing statements.
If attachments are required for forms UCC-1 or UCC-3, please use forms UCC-1AD or UCC-3AD respectively.
Filers are encouraged to use the national forms which may be downloaded to the right under “Downloads”.
There are more than 500,000 documents on file in the UCC office. Approximately 300-500 statements are received daily. Any citizens who want to determine if the stated collateral has been previously perfected may conduct an Advanced Search (to the left under UCC) online OR submit a UCC-11 request for information form and a search will be conducted by the debtor’s name. Copies of individual filings or all filings in a given debtor’s name are available upon request.
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Below is a list of links to simplify filing and searching UCC documents with the Arkansas Secretary of State's Office. Online services are provided by the Arkansas Secretary of State's Office in conjunction with the Information Network of Arkansas. Filing tips along with UCC fees are also listed below. For more information email [email protected] or call 1-888-233-0325.
Helpful Filing Tips
- Be sure to present names as individuals or organizations. Include mailing address and organization information if applicable.
- Debtor and Secured Party names will be entered into the Commercial Services system exactly as they are presented to the filing office.
- Mark only one (1) action per UCC-3 form submitted with the proper filing fee. This service is available online.
- Check the Frequently Asked Questions (FAQs) section for answers to those questions we get asked most often.
All filings must be submitted on letter size paper with all information showing on the front of the papers only.
Charging Application instructions.
Pursuant to Act 622 of 2019:
Upon the filing of a charging application by a judgement creditor and the recording of the charging application in the UCC register of the Secretary of State, a temporary lien shall be created in favor of the judgment creditor against the member’s membership interest of the limited liability company interest until a ruling by a court is entered on the record or the application is dismissed. To file a charging application with the Secretary of State’s office, click the link below.
Note: A court order must accompany all charging applications.
Learn what a UCC Statement is and how to search state databases to look up business debts.
The UCC or Uniform Commercial Code refers to laws that govern the sale of certain commercial transactions when a lender is involved.
A UCC filing (sometimes referred to as a UCC-1, UCC lien or financing statement) is a notice filed by a creditor when they make a loan to a borrower to purchase business assets. This filing provides the creditor with the security that if the debtor defaults on the debt, the creditor can foreclose on the asset.
The UCC filing is made with the Secretary of State. Each state has laws on the rules and regulations over secured transactions, the UCC is used across the United States to ensure reporting consistency and safety for lenders. These rules provide lenders the knowledge of whether an asset that is being pledged is available to use as collateral.
UCC liens can be filed on just about any asset. Some of the more common assets include: real estate, vehicles, equipment, inventory, accounts receivable and more. A UCC lien does not generally impact the day-to-day operations of a business, but may make it more difficult in getting additional funding, depending on the type of UCC filed.
Why is a UCC Filed?
A Uniform Commercial Code filing on business assets serves as a notice to any potential creditors of assets that are pledged. This provides security to a lender as that borrower can’t pledge those assets for another loan. A large part of the loan making process is the lender is able to take the asset back should the borrower not be able to pay on the debt. This collateral is then able to be sold to recoup a portion of the debt. A UCC-1 establishes the lender as a secured party, so even if the borrower goes bankrupt, the lender is paid before unsecured creditors.
Even though every state has commercial transaction laws, lenders often provide business financing across state lines and it’s not practical for a lender to search each state’s records when making a loan. The UCC gives a lender assurance that their collateral is protected.
A UCC also keeps the borrower from selling the asset and keeping all the proceeds. Any remaining debt would be paid to the secured party first. The only way to remove the lien is by paying off the debt.
Types of UCC Liens
There are two ways UCC are commonly used.
UCC Lien on Specific Collateral
A lender can write a UCC-1 against a particular asset. This is common when a loan is being requested for a specific purpose, like a piece of equipment, real estate or inventory.
UCC Blanket Lien
A UCC-1 blanket lien, sometimes referred to as a general lien, is a lien placed on all business assets. Blanket liens are commonly used for commercial and SBA loans and while this type of lien makes it easy for the bank to collateralize a loan, it can cause issues for a business because they lose the ability to pledge assets for additional funding later on or to sell equipment. The lien holder has to file and release assets which may be a challenge for some borrowers to get them to do.
When do UCC Filings Expire?
A UCC-1 filing automatically expires within five years of filing unless the creditor extends it.
Once the debtor pays off the lien, the creditor should file a UCC-3 to remove the lien from the asset.
How is a UCC-1 Statement Filed?
- The borrower’s name and address
- The lender’s name and address
- A description of the asset being secured
Since UCC liens are filed with the Secretary of State, these records are made public so they are available for anyone to look up. Most states allow for the search to look these filing up online without a fee, however some states restrict the amount of information provided.
UCC liens will typically show up on a business credit report.
Search for UCC Liens by State
Every state is different in how one would search the UCC database. Click on a state below to see how to do a UCC lien search in each state.
|District of Columbia||Montana||Texas|
|Idaho||New Jersey||Virgin Islands|
|Indiana||New York||West Virginia|
An Illinois UCC (Uniform Commercial Code), also known as a UCC-1 Financing Statement, is a lien filed by a creditor to protect their interest when making a loan. This lien exists until the debt is paid for and can be placed on any personal property such as vehicles, equipment and more. A UCC filing does not apply for real estate. UCC filings protect lenders should the borrower stop paying on the debt or declare bankruptcy. The UCC provides documentation for the lender and allows the ability to foreclose or force the sale of the property to pay back the debt.
UCC filings are public record and in Illinois, the Secretary of State has an online UCC database. This database includes both the state UCC and Federal Tax Lien index. Since some UCC images contain personal information such as social security numbers, federal identification numbers and bank account numbers, images of the UCC documents are only available by completing a UCC-11 information request.
The ability to do a UCC search is important because if multiple creditors have a lien on the same property and the debtor fail to pay, those creditors would be looking at a loss as the collateral would likely not have enough value to satisfy the debts.
How does the UCC filing process work?
Once approved for secured financing, a creditor files a UCC-1 Financing Statement with the Illinois Secretary of State which creates a lien against the collateral.
All UCC filings in Illinois will go through the Secretary of State’s office except for collateral that is timber to be cut or extracted minerals. These filings are done through the county recorder’s office in the county where the collateral is located.
UCC filings are active in Illinois for 5 years from the date of filing in most cases. Filings are renewable for long-term debts and filings can be amended to update lender’s position of the secured collateral.
How much does an Illinois UCC search cost?
A UCC-1 Financing Statement search is free if a simple search is done. If you want an image of the statement, the cost is $20.
Most forms may be filled out on your computer, printed and submitted for filing with the Department of State.
Certain space(s) for information not applicable under Article 9 of the New York State Uniform Commercial Code have been completed as “Not Applicable.”
NOTICE: UCC documents filed with the Department of State are public records that are subject to disclosure under the Uniform Commercial Code. The Department also provides copies of UCC documents upon request and payment of the applicable fee.
Please do not provide any Social Security Numbers on any UCC document submitted to this office.
UCC Financing Statement (Form UCC1)
Notification from creditor to debtor of interest in personal property of debtor.
UCC Financing Statement Addendum (Form UCC1Ad)
Financing Statement Addendum is used for additional information not included in the initial filing of Uniform Commercial Code Financing Statement.
UCC Financing Statement Additional Party (Form UCC1AP)
Uniform Commercial Code Financing Statement Additional Party is used add additional debtor and secured party names as needed when filing a Uniform Commercial Code Financing Statement.
UCC Financing Statement Amendment (Form UCC3)
Uniform Commercial Code Financing Statement Amendment is for used for the termination, continuation, and/or transfer changes to Financing Statement.
National UCC Financing Statement Amendment Addendum (Form UCC3Ad)
Uniform Commercial Code Financing Statement Amendment Addendum is used to add additional information not included on Financing Statement Amendment.
UCC Financing Statement Amendment Additional Party (Form UCC3AP)
Uniform Commercial Code Financing Statement Amendment Additional Party is used to add additional debtor or secured party names when filing Financing Statement Amendment.
New York UCC Financing Statement Cooperative Addendum (Form UCC1CAd)
(Not Fillable Online) Uniform Commercial Code Financing Statement Cooperative Addendum is used to provide contact information to the filing office to communicate with filer.
National Correction Statement (Form UCC5)
Fill if Financing Statement was inaccurate or wrongfully filed.
National Information Request (Form UCC11)
To obtain searches and/or copies of Uniform Commercial Code records on file with the Secretary of State’s office.
UCC Credit Card Authorization Form
UCC Public e-Filing System
UCC documents filed with the Department of State are public records that are subject to disclosure under the Uniform Commercial Code. The Department provides copies of UCC documents upon request and payment of the applicable fee.
Due to public nature of UCC documents PLEASE DO NOT PROVIDE ANY SOCIAL SECURITY NUMBERS on any UCC document submitted to this office.
Please exercise caution:
Review your Electronic UCC Financing Statement and/or the Electronic UCC Financing Statement Amendment carefully prior to filing be sure to review and copy your UCC E-Filing Acknowledgment.
Select Filing Type:
The template used in this electronic filing system is similar, but not identical to the current paper form. Please be careful when completing the electronic template.
Effective March 21, 2007, an e-mail address is a required field. This modification allows us to send an acknowledgment receipt and copy of filed image.
Fee for filing Electronically: $20
Payment for E-Filing is limited to MasterCard, Visa or American Express Cards Only.
The UCC e-Filing Acknowledgement screen contains your filing information (date, time and filing number) along with the card confirmation code. This is the confirmation that a filing has been processed. You should print this screen for your records.
If you have questions or comments about the UCC online services, please contact:
Office of Uniform Commercial Code
The Uniform Commercial Code Public Inquiry System allows the public to search the complete UCC database. The database includes Financing Statements and Financing Statement Amendments filed under Article 9 and Revised Article 9 of the Uniform Commercial Code and Notices of Federal Tax Liens and notices and certificates affecting such liens filed under Article 10-A of the Lien Law. Search results are provided in the form of a printable data report and/or viewable images of the filed record(s).
Contact Division of Corporations, State Records and Uniform Commercial Code
Contact the Division of Corporations, State Records, and Uniform Commercial Code