Form UCC1 - UCC Financing Statement 2025

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The document provides detailed instructions for completing the UCC Financing Statement (Form UCC1), emphasizing the importance of accuracy and legibility. It outlines the necessary information to be included, such as debtor names, secured party details, collateral descriptions, and optional items. The document also advises against including sensitive personal information and suggests consulting legal counsel for any questions.

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Why would the IRS file a UCC?

If the IRS wants to file a statewide tax lien against a taxpayers personal property, the document evidencing the lien will be filed with the secretary of states office. Most states (if not all) index the IRS liens along with the UCC-1 financing statement liens.

Is a UCC filing good or bad?

In general, a UCC filing is not a bad thing or a good thing. It simply notifies other institutions that there is a lien on the business ahead of them (if they are going to fund your company).

When must a UCC-1 financial statement be filed?

A UCC-1 statement is a creditors public notification of interest in a borrowers property. Its purpose is to allow a creditor to claim collateral on financing with a debtor. The creditor will have the right to the property if the debt is not repaid.

What is the UCC-1 initial financing statement?

A creditor files a UCC-1 to provide notice to interested parties that he or she has a security interest in a debtors personal property. This personal property is being used as collateral in some type of secured transaction, usually a loan or a lease.

What does UCC on title mean?

UCC means the Uniform Commercial Code as adopted in this state.

Key Facts About UCC Financing Statement (Form UCC1)

Legibility Requirement

Legal Advice Disclaimer

Personal Information Restrictions

Debtor Name Specification

Collateral Description

Alternative Designation Option

Acknowledgment Request

Legibility Requirement

The form must be typed or printed clearly; handwritten entries may lead to rejection.

Legal Advice Disclaimer

Filing offices cannot provide legal advice; consult an attorney for any questions regarding the form.

Personal Information Restrictions

Do not include sensitive personal information such as social security numbers or financial account numbers unless required by state law.

Debtor Name Specification

Only one Debtor name should be entered, either an organization or an individual, and it must be the exact legal name without abbreviations.

Collateral Description

Item 4 is used to indicate the collateral covered by the financing statement; additional pages can be attached if necessary.

Alternative Designation Option

Filers can choose alternative designations like lessee/lessor or consignee/consignor instead of using 'Debtor' and 'Secured Party'.

Acknowledgment Request

Item C allows filers to request an acknowledgment of their filing to be sent back to them.

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