Enabled by our award-winning SaaS product iLien, we deliver fast due diligence searches, intelligent, automated filing, and lien management services not found anywhereelse — to help protect your security interests.
You benefit from ease and automation in conducting lien searches, retrieving Uniform Commercial Code (UCC) and corporate records, creating UCC-1, UCC-3, and other filings, tracking business entity and debtor status, and conducting recurring post-closing due diligence.
iLien provides a comprehensive, one-stop solution that easily can be tailored to your business processes and workflow. By signing up for the complete iLien Solution, you gain access to the full suite of file and search capabilities. You have the flexibility to use capabilities that support different types of loans and manage varied collateral.
With iLien, you’re able to conduct public record searches, retrieve and view actual UCC and corporate records, create filings, and keep track of your entire portfolio. It’s all made possible by a single Web-based application customized to your company’s workflow and needs — and delivered at your fingertips.
iLien is a single point of access for those responsible for the credit-to-cash cycle — whether they’re across the hall or across the country. By giving users varying levels of access to match their roles, we heighten productivity while providing greater security.
We have more than 40 years of experience and back you with proven expertise and innovative tools. Our deep subject matter and industry expertise translates into better results for you. The ultimate benefits of this complete solution are greater efficiency, accuracy, savings, and — most importantly — peace of mind in your lending activities.
Work with a trusted partner
A UCC filing is a public financing statement used to give notice that a secured party may have an interest in specific collateral. Lenders use UCC filings in secured lending to help establish and protect their claim against borrower assets.
A strong UCC filing process includes verifying debtor names, selecting the correct filing jurisdiction, describing collateral accurately, confirming secured party information, and tracking continuation deadlines. Post-filing monitoring is also important to help reduce avoidable filing defects and lien priority risk.
A UCC search is a review of public filing records to identify existing financing statements, secured parties, debtor names, and potential collateral claims. Lenders use UCC searches during due diligence to understand whether another party may already have a security interest in the borrower’s assets.
UCC searches can help identify prior liens, debtor name variations, filing jurisdiction issues, collateral conflicts, and potential risks that may affect lien priority or secured lending decisions.
Public records searches support lending due diligence by helping lenders understand existing claims, collateral risks, borrower-related records, and potential lien priority issues before making or renewing a secured loan.
A UCC search can reveal existing financing statements and secured parties, while broader public records searches may identify liens, judgments, bankruptcies, tax liens, or other records that could affect credit or collateral risk. Together, these searches help lenders make more informed underwriting, documentation, and collateral management decisions.
Lenders can reduce UCC filing errors by verifying debtor information, confirming the correct jurisdiction, reviewing collateral descriptions, checking secured party details, and validating that the filing was accepted and indexed correctly. They should also use standardized review steps before and after submission.
Common filing errors include incorrect debtor names, wrong filing locations, incomplete collateral descriptions, missed continuations, and failure to amend filings after debtor or collateral changes. Automated workflows, quality checks, and deadline tracking can help reduce these risks.
UCC monitoring workflows help protect collateral position by tracking filing status, continuation deadlines, debtor changes, competing liens, amendments, and potential filing defects. Monitoring gives lenders visibility into events that may affect perfection or priority after the initial filing.
Strong monitoring workflows help teams act on exceptions, file timely continuations, correct records when needed, and maintain documentation across the lien lifecycle. This reduces reliance on manual tracking and supports stronger secured lending risk management.
A UCC filing is a financing statement submitted to provide public notice of a secured party’s interest in collateral. A public records search is a due diligence activity used to identify existing records that may affect a borrower, collateral, or transaction.
Public records searches may include UCC records, tax liens, judgments, bankruptcies, litigation records, or other filings depending on the transaction. Lenders often use both UCC filings (add internal link) and public records searches to manage secured lending risk.
Public records searches are important because they help lenders identify risks that may not appear in the loan application or internal records. These searches can reveal existing liens, judgments, bankruptcies, tax liens, and other records that may affect collateral value, borrower risk, or lien priority.
By reviewing public records before and during the lending relationship, lenders can make better-informed credit decisions and reduce the risk of unexpected claims against collateral.
How can we help
