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What is a UCC filing?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

A UCC filing (Uniform Commercial Code) is a public legal notice that a lender has a security interest in your business assets. UCC-1 financing statements get filed with state government. They appear on business credit reports and prevent you from using the same assets as collateral for another loan.

Key Details

  • Public notice of lenders security interest
  • UCC-1: financing statement filed with state
  • Shows on business credit reports
  • Prevents using same assets twice as collateral
  • Released after loan repayment (UCC-3)
  • Some lenders file blanket liens (all assets)

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Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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