UCC & Search
Secured creditor perfection
File a UCC-1 to perfect your secured interest. Same-day filing in 51 jurisdictions.
A UCC-1 financing statement filed with the state SOS perfects a secured creditor's interest in collateral. Without it, your security interest exists between you and the debtor, but it does not protect you against other creditors or in bankruptcy. UCC-1 must be filed in the debtor's state of organization. We file same-day in any of the 51 jurisdictions, confirm receipt, and forward the filing acknowledgement.
How it works
How we handle UCC-1 Filing, end-to-end.
A UCC-1 financing statement filed with the state SOS perfects a secured creditor's interest in collateral.
1
Debtor + collateral identification
We identify the debtor by exact legal name (as registered with the state) and define the collateral (specific goods, inventory, accounts receivable, all-assets blanket, equipment by serial number).
2
Filing state determination
UCC-1 is filed in the debtor's state of organization (for registered entities) or state of residence (for individuals). Wrong state = ineffective filing.
3
Same-day SOS filing
We file electronically with the state SOS same day if received by 3pm ET. State fee passes through at cost (typically $15-$50). Filing receipt forwarded within hours.
4
Continuation reminder
UCC-1 lapses after 5 years unless a UCC-3 continuation statement is filed within the last 6 months. We add the continuation deadline to your compliance calendar.
What we'll set up for you
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
01 · Name + Brand
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
02 · State filing
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
03 · Federal IDs
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
04 · Stay compliant
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Pricing
Transparent ucc-1 filing pricing.
Government fees pass through at cost. No upsells.
Single UCC-1
$149
One UCC-1, one state.
Same-day SOS filing in one jurisdiction. State fee passes through at cost (typically $15-$50). Filing acknowledgement forwarded.
Get startedMulti-state package
$499
Up to 5 states, coordinated.
UCC-1 filings in up to 5 states for the same transaction (e.g., multi-debtor or multi-collateral situations). Coordinated processing. Includes UCC-3 amendment if any debtor name changes mid-filing.
Get startedVolume
$99
$99 per filing at 50+ per year.
For commercial lenders, factors, and leasing companies. Drops to $99 per filing above 50 per year. Includes API integration for direct system feed.
Get started FAQ
About the UCC-1 Financing Statement Filing Service.
What is a UCC-1?
A financing statement filed with the state SOS to perfect a secured creditor's interest in collateral. Without a UCC-1, your security interest exists only between you and the debtor; with it, you have priority against other creditors and protection in bankruptcy.
When do I need to file a UCC-1?
Any time you take a security interest in personal property (not real estate) for a loan, lease, or sale. Common cases: equipment financing, accounts receivable factoring, inventory financing, secured business loans.
How long does a UCC-1 last?
5 years. To extend, file a UCC-3 continuation statement within the last 6 months of the 5-year term. Without continuation, the UCC-1 lapses and your security interest becomes unperfected.
What if I file in the wrong state?
Your security interest is unperfected, which means you have no priority against other creditors and no protection in bankruptcy. The most expensive UCC-1 mistake. We confirm the filing state before submission.
Can I file UCC-1 myself?
Yes - through your state SOS website. But missing collateral descriptions, wrong debtor names, and wrong filing state are common mistakes that void the perfection. Our service is the back-office insurance against these errors.
What does the state filing fee cost?
Varies by state: $5 in some, $50 in others. Average is $25. We pass it through at cost with no markup.
Bundle & save
Recommended add-ons
Most customers add these to keep their business compliant year-round.
Registered Agent
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$99
/year
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Compliance Monitoring
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$19
/month
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Annual Report Filing
RecommendedAuto-file your state annual report. Never miss a deadline.
$99
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Why File.Business
Premium compliance, no service-fee markup.
Trust you can verify
SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.
A compliance partner, not a transaction
Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.
Premium experience competitors cannot match
Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.