# 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.

- URL: https://neurobird.com/ucclien/
- Product: Neurobird UCC Lien Filing Compliance Platform
- Niche: UCC lien filing
- Buyer: secured lenders and lien filing teams
- Status: in development, open for early access
- Updated: 2026-08-21

## What Neurobird UCC Lien Filing does

- 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
- Show the portfolio by lapse date rather than by borrower, because time is what kills perfection

## How it works

1. **Capture the filing once** Jurisdiction, exact debtor name, file number, filing date and collateral description are recorded at acceptance, not at renewal.
2. **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.
3. **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.

## From the source material

> 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.

Source: sos.idaho.gov, https://sos.idaho.gov/ucc/

## Industry context

- **5 years** Effectiveness of a filed financing statement from the date of filing, unless a continuation statement is filed in time. (source: UCC 9-515, Cornell LII, https://www.law.cornell.edu/ucc/9/9-515)
- **6 months** The only window in which a continuation statement may be filed, running before the expiration of the 5 year period. (source: UCC 9-515, Cornell LII, https://www.law.cornell.edu/ucc/9/9-515)
- **30 years** Effectiveness of an initial financing statement filed in connection with a public finance or manufactured home transaction, when it says so on its face. (source: UCC 9-515, Cornell LII, https://www.law.cornell.edu/ucc/9/9-515)
- **9-503** The section tying a sufficient debtor name to the public organic record of a registered organization rather than to a trade name. (source: UCC 9-503, Cornell LII, https://www.law.cornell.edu/ucc/9/9-503)
- **1892** Year the Uniform Law Commission was established, the body that drafts and maintains the Uniform Commercial Code the states enact. (source: Uniform Law Commission, UCC Article 9, https://www.uniformlaws.org/acts/ucc/article9)

## Pricing

- Single lender: $90 per month, up to 500 filings
- Portfolio: $220 per month, up to 2,500 filings
- Institutional: $420 per month, unlimited filings

## Questions

### 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.

## Sources

- [UCC 9-515, duration and effectiveness](https://www.law.cornell.edu/ucc/9/9-515)
- [UCC 9-503, name of debtor](https://www.law.cornell.edu/ucc/9/9-503)
- [California Secretary of State, UCC](https://www.sos.ca.gov/business-programs/ucc)
- [Texas Secretary of State, UCC](https://www.sos.state.tx.us/ucc/index.shtml)

## Contact

- office@neurobird.com
- https://neurobird.com/