UCC leads, without the parts that make them useless
A UCC-1 is filed when a business finances equipment. It names the business, the lender, and what was pledged. That is a buying signal with a date on it — which is why everyone sells lists of them, and why most of those lists disappoint.
Three things go wrong with a bought UCC list, and all three are fixable:
- The same lead, again. Row volume is what gets quoted, so files are padded with what you were sent last month. We keep a delivery ledger per buyer and per filing; a row you have received is never in a later file.
- The lender is a string.If “exclude bank captives” or “MCA funders only” cannot be expressed, you are sorting the file by hand. Ours are resolved entities, so the segment is a filter rather than an afternoon.
- Collateral is an unreadable blob. State collateral text runs from “all assets” to three pages of serial numbers. We parse it into a type, make, model and year where the text supports it, and leave it alone where it does not.
What a row contains
- Filing number, filing date, state
- Debtor, both canonical and exactly as filed
- Full debtor address
- Secured party, canonical and as filed
- Collateral summary and parsed type / make / model
- Lapse date, and our first-seen date
Segment it by state, collateral type, lender or lender class, and include or exclude blanket liens. If a lien is inside its lapse window, the row says so.