{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/if-a-lender-obtains-a-blanket-lien-what-are-the-key-ucc-filing-requirements-for-interstate","api_url":"https://dealroom.so/api/public/questions/if-a-lender-obtains-a-blanket-lien-what-are-the-key-ucc-filing-requirements-for-interstate","question":"If a lender obtains a blanket lien, what are the key UCC filing requirements for interstate operations?","topic":"Collateral & lien requirements","audience":"lender","bot_mode":"lender","short_answer":"For interstate operations, a lender must typically file a UCC-1 financing statement in the state where the borrower (debtor) is legally organized. If the collateral includes real estate or fixtures, additional filings may be required in the state where the property is located.","rule":"Under the Uniform Commercial Code (UCC), the proper place to file a financing statement to perfect a security interest in most types of business collateral (e.g., equipment, inventory, accounts receivable) is the jurisdiction where the debtor is located. For an entity, this is generally its state of organization. For real estate or fixtures, a local filing in the county where the property is situated is necessary. Failing to file in the correct jurisdiction can render the lien unperfected and subordinate to other creditors.","example":"A business incorporated in Delaware (debtor's location) operates its primary facility in New Jersey, with collateral including equipment and accounts receivable. The lender files a UCC-1 in Delaware to perfect its blanket lien. If the loan also involves a lien on the New Jersey facility (real estate or fixtures), an additional filing would be necessary with the appropriate county recorder in New Jersey.","what_lenders_check":"Lenders are highly concerned about the proper perfection and priority of their liens, especially with multi-state operations. Incorrect UCC filings can jeopardize the secured position and lead to a guaranty repair in a default scenario.","required_facts":["Borrower's state of organization","Collateral location","UCC-1 filing","Real estate/fixtures","Lien perfection","Interstate operations"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans"],"official_sources":[{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"related_questions":[{"question":"What are the specific requirements for securing a lien on titled vehicles as collateral for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-are-the-specific-requirements-for-securing-a-lien-on-titled-vehicles-as-collateral-fo"},{"question":"When can a lender justify accepting less than a 100% lien position on available business collateral for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/when-can-a-lender-justify-accepting-less-than-a-100-lien-position-on-available-business-co"},{"question":"How does the SBA require lenders to perfect security interests on accounts receivable and inventory?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-require-lenders-to-perfect-security-interests-on-accounts-receivable-and-"},{"question":"What specific collateral must be taken when a 7(a) loan is under-collateralized by business assets, even with a blanket lien?","url":"https://dealroom.so/for-lenders/questions/what-specific-collateral-must-be-taken-when-a-7-a-loan-is-under-collateralized-by-business"},{"question":"What are the specific lien priority requirements for lenders on both business and personal collateral securing a 7(a) loan, particularly when junior liens exist?","url":"https://dealroom.so/for-lenders/questions/what-are-the-specific-lien-priority-requirements-for-lenders-on-both-business-and-personal"},{"question":"What are the specific triggers for a lender to obtain an independent appraisal of business real estate for a 7(a) loan, based on loan amount thresholds?","url":"https://dealroom.so/for-lenders/questions/what-are-the-specific-triggers-for-a-lender-to-obtain-an-independent-appraisal-of-business"}],"related_terms":[{"term":"Blanket UCC filing","url":"https://dealroom.so/glossary/blanket-ucc-filing"},{"term":"UCC filing","url":"https://dealroom.so/glossary/ucc-filing"},{"term":"Blanket Lien","url":"https://dealroom.so/glossary/blanket-lien"},{"term":"Lien filing","url":"https://dealroom.so/glossary/lien-filing"},{"term":"UCC-1 filing","url":"https://dealroom.so/glossary/ucc-1-filing"},{"term":"UCC lien","url":"https://dealroom.so/glossary/ucc-lien"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/for-lenders/questions/if-a-lender-obtains-a-blanket-lien-what-are-the-key-ucc-filing-requirements-for-interstate","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}