{"ok":true,"canonical_url":"https://dealroom.so/glossary/uniform-commercial-code-filing","api_url":"https://dealroom.so/api/public/glossary/uniform-commercial-code-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":"uniform-commercial-code-filing","term":"Uniform Commercial Code Filing","aka":"UCC filing","group":"People and paperwork","definition":"A UCC filing is a public notice of a lender's security interest in a borrower's personal property used as collateral. It establishes the lender's priority claim on those assets.","what_it_means":"In an SBA acquisition, your lender will file a UCC to secure their interest in the business's assets, like equipment, inventory, and accounts receivable. This ensures they have a first lien position on these assets. You'll need to confirm there are no existing UCC liens that would conflict.","url":"https://dealroom.so/glossary/uniform-commercial-code-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":"ucc-lien","term":"UCC lien","url":"https://dealroom.so/glossary/ucc-lien"},{"slug":"lien","term":"Lien","url":"https://dealroom.so/glossary/lien"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"perfect-lien","term":"Perfect lien","url":"https://dealroom.so/glossary/perfect-lien"}],"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":"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":"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":"How does an incorrect NAICS code on SBA Form 1919 impact 7(a) loan eligibility for a borrower?","url":"https://dealroom.so/for-lenders/questions/how-does-an-incorrect-naics-code-on-sba-form-1919-impact-7-a-loan-eligibility-for-a-borrow"},{"question":"How does the SBA determine if a business is considered \"small\" for eligibility based on its NAICS code?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-determine-if-a-business-is-considered-small-for-eligibility-based-on-its-"}]},"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 — Uniform Commercial Code Filing","url":"https://dealroom.so/glossary/uniform-commercial-code-filing","source_type":"DealRoom Data"}}