Glossary · People and paperwork
Uniform Commercial Code Filing(UCC filing)
In short
A UCC filing is a public notice of a lender's security interest in a borrower's personal property used as collateral. It establishes the lender's priority claim on those assets.
What it means in a deal
In an SBA acquisition, your lender will file a UCC to secure their interest in the business's assets, like equipment, inventory, and accounts receivable. This ensures they have a first lien position on these assets. You'll need to confirm there are no existing UCC liens that would conflict.
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 Uniform Commercial Code Filing
- Is a UCC-1 filing sufficient to perfect a lien on business assets?
- 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?
- If a lender obtains a blanket lien, what are the key UCC filing requirements for interstate operations?
- How does an incorrect NAICS code on SBA Form 1919 impact 7(a) loan eligibility for a borrower?
- How does the SBA determine if a business is considered "small" for eligibility based on its NAICS code?
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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