UCC lien filing software that calculates the lapse date instead of trusting a spreadsheet
A UCC lien filing is a financing statement filed under Article 9 of the Uniform Commercial Code to perfect a security interest in personal property. Under UCC 9-515 an initial filing is effective for 5 years, or 30 years for public finance and manufactured home transactions, and a continuation may only be filed in the 6 months before it expires. Neurobird holds the portfolio and calculates every one of those dates.
| Requirement | Status | Next due | |
|---|---|---|---|
| UCC3 termination, facility repaid | current | in 42d | |
| Search to reflect filing, Texas | due soon | in 9d | |
| UCC3 continuation, lapse in 41 days | current | in 120d | |
| Debtor name change, amendment due | overdue | 3d late | |
| UCC1 initial, Delaware, equipment | current | in 64d |
Tick a requirement to file evidence against it.
Neurobird UCC Lien Filing in short
- Hold every filing with its jurisdiction, file number, filing date and calculated lapse date
- Open the continuation window 6 months before lapse and keep it open until the filing is accepted
- Keep the exact debtor name that was filed, so an amendment is a decision rather than a discovery
- 5 years Effectiveness of a filed financing statement from the date of filing, unless a continuation statement is filed in time. UCC 9-515, Cornell LII
- 6 months The only window in which a continuation statement may be filed, running before the expiration of the 5 year period. UCC 9-515, Cornell LII
- Pricing runs 90 to 420 US dollars per month across 3 tiers. Early access is free.
What secured lenders and lien filing teams actually deal with
Why it stays broken
Perfection is a date problem in a legal costume. The dates are simple, the volume is not, and a portfolio of 1,200 filings across 50 jurisdictions is still tracked in a spreadsheet somebody inherited.
A lapsed filing on a $400,000 facility is not a late fee, it is an unsecured loan.
The raw data extracted from the IDSOS UCC/Liens database consists of all UCC and lien filings of all statuses and is offered in a tab-delimited format.
What Article 9 actually requires
Useful if you are building the calendar or defending a perfection. Each source links out.
Effectiveness of a filed financing statement from the date of filing, unless a continuation statement is filed in time.
UCC 9-515, Cornell LIIThe only window in which a continuation statement may be filed, running before the expiration of the 5 year period.
UCC 9-515, Cornell LIIEffectiveness of an initial financing statement filed in connection with a public finance or manufactured home transaction, when it says so on its face.
UCC 9-515, Cornell LIIThe section tying a sufficient debtor name to the public organic record of a registered organization rather than to a trade name.
UCC 9-503, Cornell LIIYear the Uniform Law Commission was established, the body that drafts and maintains the Uniform Commercial Code the states enact.
Uniform Law Commission, UCC Article 9Neurobird UCC Lien Filing Compliance Platform
Store the filing, calculate the lapse from the filing date, and open the window at lapse minus 6 months. The legal risk stops being an administrative risk.
- 1Hold every filing with its jurisdiction, file number, filing date and calculated lapse date
- 2Open the continuation window 6 months before lapse and keep it open until the filing is accepted
- 3Keep the exact debtor name that was filed, so an amendment is a decision rather than a discovery
- 4Show the portfolio by lapse date rather than by borrower, because time is what kills perfection
What changes with Neurobird UCC Lien Filing?
The same work, read left to right: how it runs today, and how it runs once the record is in one place.
| Today | With Neurobird UCC Lien Filing |
|---|---|
| A filing perfects a security interest for 5 years and the continuation window is 6 months wide, so a missed date makes the lien unperfected as if it never existed | Hold every filing with its jurisdiction, file number, filing date and calculated lapse date |
| Debtor names have to match the public organic record exactly, and the version in the credit file is usually the version the borrower puts on invoices | Open the continuation window 6 months before lapse and keep it open until the filing is accepted |
| Fifty filing offices, fifty fee schedules, fifty rejection habits, and one spreadsheet holding the whole portfolio's lapse dates | Keep the exact debtor name that was filed, so an amendment is a decision rather than a discovery |
Who is this for?
Same filing, three different exposures.
You file on every deal
Volume is the risk. You need the lapse list to be a report rather than a search through 1,400 rows.
You file occasionally
Low volume means no routine. You need the continuation to find you rather than the other way round.
You file for others
You answer to clients about their perfection. You need the record and the evidence per client, per jurisdiction.
How does Neurobird UCC Lien Filing work?
Capture the filing once
Jurisdiction, exact debtor name, file number, filing date and collateral description are recorded at acceptance, not at renewal.
Let the dates calculate
The 5 year lapse comes from the filing date, and the continuation window opens 6 months out and stays open until acceptance is recorded.
Work the portfolio by date
Sort by lapse rather than by borrower, so the next 90 days of exposure is a list instead of a search.
Ucc lien filing software questions, answered
Key terms
- What is a UCC lien filing?
- A UCC lien filing is a financing statement filed under Article 9 of the Uniform Commercial Code to perfect a security interest in personal property. The common forms are the UCC1 initial financing statement and the UCC3 amendment, which carries continuations, terminations and changes to the debtor or the collateral.
How long does a UCC1 last?
Five years from the date of filing under UCC 9-515. Public finance and manufactured home transactions run 30 years if the filing says so on its face. A transmitting utility filing stays effective until a termination statement is filed.
When can a continuation statement be filed?
Only within the 6 months before the filing expires. File it early and it is not effective, file it late and the filing has already lapsed, and on lapse the security interest is treated as never having been perfected against a purchaser of the collateral for value.
Why do debtor names cause so many problems?
Because UCC 9-503 ties a sufficient debtor name to the public organic record of a registered organization, not to the trade name on the invoice. A filing against the wrong version of the name can be seriously misleading and therefore ineffective, and the fix is an amendment filed while there is still time.
Does this file with the states for us?
Not at first. It holds the portfolio, calculates the dates and prepares the filings. Filing routes stay yours, whether that is a state portal or a service company, and the accepted file number comes back onto the record.
Why we are building this
Article 9 is unusually clear. A financing statement lasts 5 years, a continuation can only be filed in the last 6 months, and the debtor name has to match the public organic record. None of that is ambiguous.
The failures are almost never legal. They are a date typed into the wrong row, a name copied from an invoice, a filing office rejection nobody chased. The law is precise and the tooling is a spreadsheet.
We would rather build this with people who file for a living. Tell us how your portfolio is tracked, and where we have got it wrong.
Where the requirement comes from
The Article 9 sections and the state filing offices behind the process.
- UCC 9-515, duration and effectiveness The 5 year period, the 30 year exceptions, lapse, and the 6 month continuation window.
- UCC 9-503, name of debtor What counts as a sufficient debtor name, including registered organizations, trusts and estates.
- California Secretary of State, UCC A representative state filing office: forms, acceptance rules, fees and search.
- Texas Secretary of State, UCC A second filing office with its own fee schedule and filing practice, showing how far the process varies.
How much does Neurobird UCC Lien Filing cost?
Priced by portfolio size because the work scales with filings, not headcount. Unlimited users on every tier.
- Filing record and file numbers
- Automatic lapse calculation
- Continuation queue
- Exact debtor name capture
- Email support
- Everything in Single lender
- Multi jurisdiction fee notes
- Amendment and termination tracking
- Search to reflect log
- Named contact
- Everything in Portfolio
- Loan system sync
- Audit export by lapse date
- Service company handoff
- Onboarding included
Get free early access
If you file UCCs, tell us how your lapse dates are tracked today and what has slipped.
Straight answer on where this is: In development. Early access gets the working preview, influence on what ships first, and early access pricing. It does not get you a login today.
Prefer email? Write to office@neurobird.com and a person will reply. No autoresponder.