{"ok":true,"canonical_url":"https://dealroom.so/glossary/ucc-filing","api_url":"https://dealroom.so/api/public/glossary/ucc-filing","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"ucc-filing","term":"UCC filing","aka":"UCC-1 financing statement","group":"People and paperwork","definition":"A UCC filing is a legal notice filed by a creditor to publicly declare their security interest in a borrower's personal property, like equipment or inventory. Your SBA lender will file a UCC-1 to perfect their lien on your business assets.","what_it_means":"The UCC-1 financing statement is filed with the Secretary of State in the relevant jurisdiction. It establishes the lender's lien priority on collateral under the Uniform Commercial Code. Before closing, your lender will conduct a UCC search to ensure no prior claims exist on your business assets.","url":"https://dealroom.so/glossary/ucc-filing","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"uniform-commercial-code","term":"Uniform Commercial Code","url":"https://dealroom.so/glossary/uniform-commercial-code"},{"slug":"perfect-lien","term":"Perfect lien","url":"https://dealroom.so/glossary/perfect-lien"},{"slug":"lien","term":"Lien","url":"https://dealroom.so/glossary/lien"},{"slug":"lien-search","term":"Lien Search","url":"https://dealroom.so/glossary/lien-search"}],"related_questions":[{"question":"Is a UCC-1 filing sufficient to perfect a lien on business assets?","url":"https://dealroom.so/for-lenders/questions/is-a-ucc-1-filing-sufficient-to-perfect-a-lien-on-business-assets"},{"question":"If a lender obtains a blanket lien, what are the key UCC filing requirements for interstate operations?","url":"https://dealroom.so/for-lenders/questions/if-a-lender-obtains-a-blanket-lien-what-are-the-key-ucc-filing-requirements-for-interstate"},{"question":"What if the business assets are located in multiple states, requiring multiple UCC filings?","url":"https://dealroom.so/for-lenders/questions/what-if-the-business-assets-are-located-in-multiple-states-requiring-multiple-ucc-filings"},{"question":"How does a recent personal bankruptcy filing affect my eligibility for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/how-does-a-recent-personal-bankruptcy-filing-affect-my-eligibility-for-an-sba-7-a-loan"},{"question":"How does the SBA generally treat a 7(a) loan applicant with a prior bankruptcy filing?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-generally-treat-a-7-a-loan-applicant-with-a-prior-bankruptcy-filing"},{"question":"What are the specific requirements for a lender to obtain a valid first lien position on UCC collateral when prior liens exist?","url":"https://dealroom.so/for-lenders/questions/what-are-the-specific-requirements-for-a-lender-to-obtain-a-valid-first-lien-position-on-u"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — UCC filing","url":"https://dealroom.so/glossary/ucc-filing","source_type":"DealRoom Data"}}