A UCC filing is a public notice, filed under the Uniform Commercial Code, that a lender uses to declare a security interest in a borrower's assets as collateral. The initial filing is called a UCC-1 financing statement. It names the debtor, the secured party (the lender), and the collateral, and it is recorded with a state, usually the Secretary of State.
A UCC-1 reveals that a business has borrowed against its assets and who the lender is. Read across a company's filings, UCC records sketch its financing history: which lenders it works with, what collateral is pledged, and whether liens are still active or have been terminated (a UCC-3). For diligence and lending, that is a direct signal of financial obligations that registries never show.
Because filings are recorded state by state under debtor names entered as free text, a single company can have UCC records scattered across several states under slightly different names. Searching them well means resolving those names to one real entity, so a lookup returns every filing that actually belongs to the business rather than a pile of near-matches.
Related on Amalgament: UCC filings API · Business records API
A UCC-1 is the initial financing statement that establishes a security interest. A UCC-3 amends it, often to continue, assign, or terminate the original filing. A terminated UCC means the lien is no longer active.
Yes. UCC financing statements are public records filed with state offices, which is why they can be searched and used for business due diligence without any private data.
More terms: KYB (Know Your Business) · APN (Assessor's Parcel Number) · MCP server · Entity resolution · Business registry (Secretary of State filing) · UEI and SAM.gov · Non-FCRA (business-purpose) data · Context layer (for AI)