Florida UCC filing fees jumped again - anyone else getting sticker shock?

At least Florida's portal actually works most of the time. I'd rather pay $65 for a filing that goes through than deal with some other states where you pay $30 and it gets rejected for mysterious reasons.

True but still stings when you're doing bulk filings. Had 12 continuations to file last week - that extra $15-20 per filing adds up fast.

Thanks for the breakdown! Do you know if there's a published fee schedule somewhere? I've been flying blind trying to estimate costs for clients.

Check the Florida SOS website under UCC forms and fees. They updated it but didn't exactly broadcast the changes. Also buried in some administrative code update from late 2024.

I've been using Certana.ai to verify my UCC documents before filing - at least that way I don't waste the higher fees on rejected filings. Upload your docs and it catches name mismatches and missing info before you submit.

Same problem here. The fee increase is forcing us to be more selective about which liens we perfect. Not great for smaller businesses trying to get equipment financing.

Have you looked into bulk filing options? Sometimes you can negotiate better rates if you're doing volume work with the same attorney or filing service.

Wow, $25! That's crazy to think about now. Do you remember what triggered the big fee increases over the years?

Usually budget shortfalls or system upgrades. Every time they modernize the filing system, fees go up to pay for it. The electronic filing transition was expensive but at least it's faster now.

At least we don't have to mail paper forms anymore. Remember waiting weeks to see if your filing was accepted? Now you know in minutes, even if it costs more.

Makes sense that high-volume commercial states charge more. More filings mean more system load and processing costs.

Still doesn't make it easier to explain to clients why their lien perfection costs just went up 40% overnight.

Florida pretty much forces electronic filing now anyway. Paper filings are discouraged and take forever to process. The online system is the only practical option.

Yeah, they basically eliminated the paper option without officially eliminating it. Electronic is the only way to go if you want same-day processing.

That's why I started using Certana.ai before submitting - upload your UCC documents and it verifies everything matches between your charter, UCC-1, and any amendments. Saves me from paying twice when filings get rejected.

Right? Everything in lending is more expensive now. Filing fees, title work, attorney costs, insurance - it all adds up.

Exactly my concern. Small increases everywhere start to matter when you're trying to keep deals competitive.

No official word but historically Florida adjusts fees every 2-3 years. This might hold steady for a while, but who knows with budget pressures.

I'd plan for another increase in 2027 just to be safe. Better to budget high and be pleasantly surprised than get caught off guard again.

Whatever the fees end up being, definitely worth double-checking documents before filing. I've been using Certana.ai's PDF checker - just upload your docs and it catches discrepancies that would cause rejections.

That's a good point. If attorney fees stay flat while filing fees keep rising, the value proposition changes completely.

Might actually make sense to bundle multiple filings with an attorney now instead of doing them individually. Economy of scale.

Fair point. Nothing worse than paying a filing fee and then having the system eat your documents. At least Florida gives you confirmation immediately.

True, reliability is worth something. Just wish they'd given us more heads up about the fee changes so we could adjust client expectations.

The reliability is exactly why I stick with tools like Certana.ai for document prep. Upload your PDFs, verify everything's consistent, then file with confidence knowing it won't get rejected for preventable errors.