See credit risk sooner
See credit risk sooner
Identify lien signals before extending capital.
UCC lien API for credit and risk decisions
UCC lien API for credit and risk decisions
Find UCC and tax lien signals, review filing details, and use lien data in underwriting or business verification workflows.
Trusted by teams that need lien data before extending credit or approving higher-risk businesses.
Trusted by teams that need lien data before extending credit or approving higher-risk businesses.
What is a UCC API?
What is a UCC API?
A UCC API helps teams search Uniform Commercial Code filings tied to a business. These filings can reveal secured debts, collateral claims, and existing creditor relationships that matter for underwriting and credit risk. Lien data is most useful when it is connected to the right business. Middesk attaches UCC and tax lien results to the business profile, where teams can review identity, registration, bankruptcy, litigation, and monitoring context before making a decision.
How the UCC API works
How the UCC API works
Step 1:
Verify or retrieve the business. Start with the business record so lien results attach to the right entity.
Step 2:
Order lien data. Request UCC liens, tax liens, or combined lien packages.
Step 3:
Review filing details. Evaluate debtor, secured party, filing date, lapse date, collateral, state, and status.
Step 4:
Monitor or file when needed. Track new lien events or use lien filing workflows where appropriate.
Information you can get with the UCC API
Information you can get with the UCC API
[need to update]
01
UCC liens
Secured-party filings connected to the business.
02
Tax liens
Federal or state tax lien signals when available.
03
Filing details
Debtor, secured party, collateral, filing date, lapse date, state, and status.
04
Addresses
Registration and filing addresses.
05
Related risk data
Bankruptcy, litigation, registration, identity, and monitoring context.
06
Registered agent
Agent details and addresses when available.
07
Monitoring events
New or terminated lien activity after approval.
Applications of the UCC API
Applications of the UCC API
Companies in a variety of different industries need to verify business to effectively manage their B2B relationships.
Fintechs
Verify business customers quickly while meeting KYB, AML, and fraud-prevention requirements.
Insurance
Assess business identity and risk before underwriting commercial customers.
Commercial banking
Confirm a business is real, registered, and safe to serve before opening an account.
Lenders
Understand business identity and risk before extending capital.
Marketplaces
Keep fraudulent or non-compliant sellers out while reducing friction for legitimate businesses.
Payments
Screen merchants before enabling payment activity and monitor for risk after onboarding.
Accelerated business verification
Accelerated business verification
Reduce fragmented searches
Avoid separate state portal and lien searches.
Support faster underwriting
Return structured lien data that teams can review.
Monitor changes
Trigger review when new liens appear after approval.
What makes Middesk's UCC API different?
Middesk connects UCC and tax lien data to business identity and underwriting context. Teams can review lien results beside registration, bankruptcy, litigation, and monitoring data instead of reconciling records across tools.
Edge cases make KYB hard. We had significant fraud at the end of last year because our previous solution missed basic signals.
For example, the applicant name didn't match the officer name on the state registration, and the applicant email didn't match what was publicly listed on the business website. We were auto-approving businesses that should have gone to manual review. It cost us tens of thousands of dollars.
Head of Risk
Fintech Company
Frequently asked questions about the UCC API
Frequently asked questions about the UCC API
A UCC lien is a public filing that can document a secured interest in a debtor’s collateral. Lenders and underwriters use it to understand credit risk.