Lien Solutions provides complete nationwide filing services for loan- and lease-related documentation. Powered by our award-winning SaaS platform iLien, you can prepare and process Uniform Commercial Code (UCC) and other filings, as well as manage them in your online lien portfolio.
No other service provider does what we do
As the largest processor of Uniform Commercial Code (UCC) filings in the country, we handle thousands of filings every day, providing flexible solutions for clients no matter the scale. We pass the benefits of extensive experience to you — to speed your workflow, increase accuracy, and achieve better results.
A complete menu of filings no matter what you need
UCC-1
As the largest lien services provider in the country, we’re experts in filing accurate UCC-1 financing statements to perfect your interest in debtors’ assets. Our platform has built-in audit controls and pre-programmed templates for each jurisdiction, resulting in the most accurate UCC filings and fewer filing rejections.
UCC-3
When you modify the pledged collateral, acquire a new portfolio, receive payoff from the borrower, or even if you are approaching the lien expiration date, you may need to file a UCC-3. The UCC-3 financing statement continues, amends, terminates, or assigns the original UCC filing and can be necessary in order to collect. Through our platform, you can more easily maintain your perfected interest over time.
Fixture Filings
If you have interest in equipment installed in real property, you may need to file a fixture filing. Unlike a UCC, fixture filings are filed at the county. We work with more than 3,000 jurisdictions and understand their rules and fees to make your filing process as easy as possible.
Purchase Money Security Interests (PMSI)
PMSI filings are a bit more complex than UCC filings. Once you file, you need to perform a post-filing search (also called a search-to-reflect) to reflect your filing position, and finally, you must notify all prior creditors. While this looks different from a standard UCC filing process, our team is equipped and skilled at simplifying your PMSI process and helping you achieve first position on your assets.
Personal Property Security Act (PPSA/Canada)
The Canadian version of the U.S. Uniform Commercial Code is the Personal Property Security Act. PPSA registrations perfect the security interests held by the secured party and are filed at the province or territory. There are several key differences between UCC filings and PPSA registrations, and our team can help you navigate the nuances.
Effective Financing Statement (EFS)
Effective Financing Statements, under the Food Security Act (“FSA”), are an agricultural-specific filing to perfect an interest in agricultural products. An EFS filing can be submitted only after a UCC-1 has been filed. State requirements for EFS filings vary, but our team is knowledgeable on the process and state variations and can help you navigate the process with ease.
Speed and efficiency
Lien Solutions streamlines the entire UCC lien preparation, filing, and management process. We’ve turned our decades of experience into automated tools that help you work smarter and faster. You can take advantage of cutting-edge technology with our iLien platform — without the cost of software and the hassle of upgrades.Focused and flexible
Speed is essential, and our time-sensitive electronic processing helps you meet filing deadlines and close transactions more quickly. With iLien, you get a single access point for everyone involved in a particular transaction, with updates reflected in the portfolio immediately.The benefits of having a responsive, expert partner
Whether you do 100 filings or 100,000, we support you with an expert service team of specialists who understand the legal requirements and administrative procedures of each secretary of state filing and of each jurisdictional filing.Related solutions
Expand your knowledge
Bulk lien filings
Staying up-to-date with your UCC filings is critical to managing your loan portfolio to protect your assets. Learn how bulk lien filings can assist you in securing assets.
UCC filing data is a story that can make or break lending decisions
Learn how data accuracy is important for UCC filings. If your source data is wrong, your filing may not be perfected.
The filings that keep you perfected
Sound lending depends on being fully protected, and that means ensuring lien perfection. Filing a public notice to your interest in an asset can have a big impact on your position for repayment.
FAQs
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What is a UCC (Uniform Commercial Code) filing?
A UCC filing, or UCC-1 financing statement, is a public notice filed with a state’s Secretary of State. The primary purpose of a UCC filing is to perfect a lender's security interest in the collateral offered by a borrower. It establishes the lender's priority claim on that asset over other creditors if the borrower defaults on the loan or declares bankruptcy. Modern solutions often use electronic UCC filing and UCC eFiling platforms to streamline this process in accordance with RA9 filing rules.
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What types of assets can be subject to a UCC filing?
A wide range of property can be used as collateral and listed in a UCC filing. This does not include real estate. Common examples are:
- Inventory
- Business equipment and machinery
- Accounts receivable (money owed to your business)
- Vehicles
- Intellectual property
- General business assets (a blanket lien)
For certain assets attached to real property, UCC fixture filings may be required at the county-level filing stage.
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What is a UCC blanket lien?A UCC blanket lien is a type of filing that gives a lender a security interest in all of a business's assets, rather than specific pieces of collateral. This provides the lender with broad protection and is common in business lending. It means the lender can claim any business asset to satisfy the debt in case of default.
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What are the types of UCC filings?
- UCC-1 Financing Statement: Used to perfect a security interest in collateral.
- UCC-3 Continuation/Amendment /Assignment/ Partial Assignment/ Termination: Updates, continues, or terminates an existing UCC filing.
- Fixture Filings: Filed at the county level for equipment attached to real property.
- Purchase Money Security Interest (PMSI): Requires additional steps like post-filing searches and creditor notifications.
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How long does a UCC filing remain effective?A UCC filing is typically effective for five years from the date of filing. To maintain perfection, a continuation UCC-3 statement must be filed before expiration. Failure to continue can result in loss of priority.
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What is “perfection” and how can it be maintained post-close?
Perfection means a lien is legally enforceable and recognized in priority order. To maintain perfection lenders need to:
- Monitor debtor name changes and status.
- File continuations before expiration.
- Conduct periodic searches-to-reflect to confirm indexing accuracy.
- Use automated tools for alerts and UCC portfolio management.
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Why is data quality critical in UCC filings?Errors in filings—such as incorrect names or outdated information—can cost lenders millions. Up to 20% of UCC filings contain errors, making accurate and timely data essential for UCC filing compliance and risk management.
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What happens if a debtor changes its name or location?Any change in debtor name or jurisdiction can render your UCC filing seriously misleading. Regular monitoring and timely amendments are essential to maintain perfection.
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How can Wolters Kluwer’s iLien platform help with filings?iLien is a comprehensive lien management platform that simplifies UCC filing and portfolio oversight. It offers automated filing and continuation processes, jurisdiction-specific templates to minimize rejections, and a centralized dashboard for nationwide lien management. With real-time portfolio visibility, monitoring tools, and alerts for name changes or expirations, iLien helps reduce manual errors and ensures compliance. Additional features include recurring searches, automatic continuations, and streamlined workflows—all accessible through a single online platform.