Secretary of State Database
UCC search and business filing resources for every state, DC, and Puerto Rico. Filter by region, fee, filing method, or form type.
What UCC−1 and UCC−3 forms actually do.
Two forms govern most secured-transaction filings under Article 9 of the Uniform Commercial Code. Knowing which one you need before you visit the Secretary of State portal saves time and filing fees.
Financing Statement
The initial filing a creditor records to perfect a security interest in a debtor's collateral. Filing the UCC−1 publicly puts other creditors on notice that the secured party has rights in the listed collateral.
- Perfect a new security interest in business assets, equipment, inventory, or accounts receivable
- Identify the debtor, secured party, and the specific collateral covered
- Establish priority over later creditors (first to file generally wins under Article 9)
- Verify whether a particular asset is already encumbered before extending credit
Effective for 5 years unless continued via a UCC−3 continuation.
Amendment / Continuation / Termination
A follow-up filing that modifies, extends, or releases an existing UCC−1. The same form covers four distinct purposes — the secured party indicates which one applies on the form itself.
- Continuation — extends the UCC−1 for another 5 years (must be filed within 6 months before the original expires)
- Amendment — adds, deletes, or restates collateral or party information
- Assignment — transfers the secured party's interest to a different creditor
- Termination — releases the lien once the debt is satisfied (the filing the borrower usually wants)
Always filed in the same state where the original UCC−1 lives.
Why this matters for SBA borrowers: COVID EIDL loans over $25,000 are typically secured by a UCC−1 on business assets. When you pursue subordination, collateral release, or full payoff, the SBA may need to file a UCC−3 amendment or termination. Knowing which form applies lets you ask the right question of the right Secretary of State office. SmallBiz Recon™ is not a law firm and does not file UCC documents on behalf of borrowers.
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