What UCC Liens Are & Why They Matter
A UCC (Uniform Commercial Code) filing is a legal notice that a creditor has an interest in your business assets. When an MCA company or lender files a UCC-1 against your business, it tells the world that they have a claim on your receivables, equipment, inventory, or other assets.
The problem? UCC liens make it nearly impossible to get traditional financing. Banks and lenders check UCC filings before approving loans or lines of credit. If they see existing liens - especially from MCA companies - they'll deny your application. Even if the underlying debt has been paid, liens don't automatically disappear.
At Velocity Business, we specialize in identifying, challenging, and removing UCC liens that are holding your business back. We know the legal requirements, the filing procedures, and the negotiation tactics that get results.
Lien Audit & Analysis
We pull your complete UCC filing history, analyze each lien for validity, and identify which ones can be challenged, negotiated, or removed through proper legal channels.
Legal Challenge & Removal
We challenge improperly filed, expired, or invalid UCC liens through formal legal processes. Many liens have technical deficiencies that make them removable if you know where to look.
Negotiated Releases
For valid liens, we negotiate directly with creditors to obtain voluntary UCC-3 termination statements - often as part of settlement agreements or payment arrangements.
Expired Lien Termination
UCC filings expire after 5 years unless renewed. We identify expired liens that creditors failed to renew and file the proper termination paperwork to clear your record.
Post-Removal Verification
After removal, we verify with the Secretary of State that all liens have been properly terminated and provide you with clean documentation for future lenders.
Prevention Strategy
We help you understand how to avoid future UCC filings, structure financing to minimize lien exposure, and protect your assets from unnecessary encumbrances.