Glossary · Doing the deal
Blanket UCC filing
In short
A lien filed under the Uniform Commercial Code (UCC) that covers all or nearly all of a borrower's business assets as collateral. It gives the lender broad security.
What it means in a deal
Your SBA lender will almost certainly make a blanket UCC filing against your new business's assets. This ensures they have a first lien position on all tangible and intangible business property, securing their loan. Understand that this restricts selling significant assets without lender approval.
Official sources
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Blanket UCC filing
- If a lender obtains a blanket lien, what are the key UCC filing requirements for interstate operations?
- Is a UCC-1 filing sufficient to perfect a lien on business assets?
- What if the business assets are located in multiple states, requiring multiple UCC filings?
- How does a recent personal bankruptcy filing affect my eligibility for an SBA 7(a) loan?
- How does the SBA generally treat a 7(a) loan applicant with a prior bankruptcy filing?
- Is a blanket lien on all business assets a standard SBA requirement?
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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