(800) 949-0401 Apply Now
If you’re involved in secured lending, asset protection, or simply want to understand how liens and security interests are publicly recorded, then understanding the primary difference between a UCC‑1 Financing Statement and a UCC‑3 Amendment/Continuation/Termination is critical.
If you’re seeking a business loan, you may wonder: do all lenders require UCC filings? The short answer is no, but the topic is nuanced. When a lender uses a security interest in collateral, they typically file a UCC‑1 Financing Statement under the Uniform Commercial Code (UCC) to protect their rights. This blog will walk you through: what a UCC filing is, why lenders use it, when it’s required (and when it isn’t), and how you can negotiate or prepare for one.
When you borrow money to grow your business or invest in equipment, you may see a term called a UCC filing. In this article, we’ll explain exactly what a UCC filing is, how it affects your ability to get future financing, and what you can do to stay in control of your business credit and collateral.
If you’re asking “can UCC liens be removed early?” you’re likely dealing with a lien filed under the Uniform Commercial Code (“UCC”) and wondering if there’s a way to clear it before the standard expiration or without waiting passively. The short answer is: yes—but with conditions. In this article, we’ll walk you through how early removal works, when it’s possible, what steps to follow, and how to avoid common pitfalls.
When a lender asks you to sign a security agreement and then files a UCC statement, they’re not doing it to be difficult — they’re protecting their interests. Understanding why lenders file UCC statements can help you negotiate smarter, avoid surprises, and run your business with greater clarity.
When you’re exploring business financing, understanding how liens work in small business lending is crucial. A lien is a lender’s legal claim to an asset to secure repayment. In the world of small business loans, liens play a pivotal role—both for the lender’s risk protection and the borrower’s obligations. This article walks you through what liens are, how they affect financing options, how to negotiate them, and the pitfalls to avoid.
When you're borrowing money—especially for a business—the term “UCC filing” comes up for a reason. It may not sound exciting, but it plays a big role in how lenders view your collateral, your risk profile, and how future loans might be handled. In this article we’ll break down what a UCC filing means, how it works, and how it can affect your loans in real terms.
When you’re refinancing a loan, one of the biggest financial traps to watch out for is the dreaded balloon payment. A balloon payment is a large lump-sum payment due at the end of the loan term.
When you’re dealing with borrowed money, you often have two major options to adjust your debt situation: debt restructuring and debt refinancing. Understanding the difference matters — it can affect your credit score, cost of debt, and long-term financial health. In this article we will explain debt restructuring vs refinancing, so you can make a smart decision.
If you’re running a company and thinking of replacing one business loan after another, you may ask: what happens if you refinance too often business loan? This article walks you through the full picture—why refinancing can make sense, how doing it too often can undermine your financial health, and what smarter alternatives you should consider.
Your Privacy Choices