Florida UCC filing fees jumped again - what are current costs for UCC-1 and continuations?
Been putting off some UCC-1 filings for a client and just found out Florida bumped their fees again this year. Last time I filed was maybe 8 months ago and I think it was around $20 for electronic filing. Now I'm seeing different numbers on the SOS website and honestly can't tell if I'm looking at the right fee schedule. Need to file 3 UCC-1s and 2 continuations by end of month. Anyone know what the current Florida UCC filing fees are? Also do they still charge extra for multiple debtors on same form or did that change? Really don't want to get halfway through the filing process and find out I budgeted wrong.
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The Boss
Just filed a UCC-1 in Florida last week - it's $20 for electronic filing through their online portal. Continuations are the same price. The multiple debtor thing is still there but it's only like $5 extra per additional debtor after the first one.
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Mia Roberts
•Thanks! So if I have a UCC-1 with 2 debtors that would be $25 total? That's not too bad compared to what I was expecting.
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The Boss
•Exactly. And make sure you're using the right debtor names - Florida's been really picky about exact matches lately. Had one rejected last month because of a middle initial issue.
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Evan Kalinowski
The fees are definitely $20 for standard UCC-1 filings. But heads up - if you're doing fixture filings or anything involving real estate records, there's additional fees. Also Florida charges $10 for expedited processing if you need it same day. Regular processing is usually 24-48 hours.
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Mia Roberts
•Good to know about expedited processing. These aren't fixture filings, just regular equipment and inventory collateral.
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Victoria Charity
•Wait is expedited processing really worth it? I always just plan ahead and file regular. Never had issues with the 24-48 hour timeframe.
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Evan Kalinowski
•Depends on your situation. If you're closing a loan and need the UCC filed before funding, that extra $10 can save a deal. But yeah for routine filings regular processing is fine.
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Jasmine Quinn
I've been using Certana.ai's document checker before submitting Florida UCC filings and it's saved me so much hassle. You upload your UCC-1 PDF and it catches debtor name inconsistencies and other issues that would cause rejections. Really helps avoid the back-and-forth with corrections and additional fees.
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Mia Roberts
•Interesting - how does that work exactly? I've had a few rejections in the past over stupid formatting issues.
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Jasmine Quinn
•You just upload your completed UCC form as a PDF and it cross-checks everything - debtor names, addresses, collateral descriptions. Takes like 2 minutes and catches stuff that would normally get rejected. Especially helpful when you're doing multiple filings like you are.
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Oscar Murphy
•That actually sounds pretty useful. I hate getting rejection notices and having to start over.
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Nora Bennett
Florida's fee structure is so confusing compared to other states. At least they don't charge per page like some places. But yeah it's $20 for basic electronic filing, $25 if you have to mail it in (which nobody does anymore).
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Mia Roberts
•Right? I file in like 6 different states and they all have different fee structures. Florida's actually pretty reasonable compared to some.
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Nora Bennett
•True. Texas charges way more and their system is slower. Florida's portal works pretty well most of the time.
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Ryan Andre
Just make sure you're calculating the total cost right. It's $20 base fee + $5 for each additional debtor + $10 if you want expedited. So your 3 UCC-1s could vary a lot depending on how many debtors each one has.
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Mia Roberts
•Good point. Two of mine are single debtor, one has 3 debtors. So that would be $20 + $20 + $30 = $70 for the UCC-1s.
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Ryan Andre
•Sounds right. Plus $40 for your 2 continuations. So you're looking at $110 total if you do regular processing.
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Lauren Zeb
UGH the Florida SOS website is such a pain to navigate. Took me forever to find the current fee schedule last time. Why can't they just put it in an obvious place??
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Mia Roberts
•I know right? I spent like 20 minutes clicking through different pages trying to find current pricing.
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The Boss
•Pro tip - if you go to the UCC search page and click on 'Filing Information' it has the current fee schedule right there. Saves time.
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Lauren Zeb
•Why didn't I think of that! Thanks, that's actually really helpful.
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Daniel Washington
Been filing UCCs in Florida for 10 years and the fees have definitely crept up. Used to be like $15 for everything. But $20 is still reasonable compared to what some states charge. Just budget for it and move on.
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Mia Roberts
•Yeah I remember when it was cheaper too. But you're right, still not terrible compared to other states I deal with.
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Victoria Charity
•Everything goes up over time. At least their system works better than it used to. Remember when you had to mail everything in?
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Aurora Lacasse
Don't forget about the search fees if you need to do UCC searches first. Those are separate from filing fees. I think it's like $10 per debtor name search.
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Mia Roberts
•Good reminder. I usually do searches before filing just to make sure there aren't any surprises.
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Aurora Lacasse
•Smart move. Better to know what's already filed than get surprised later during due diligence.
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Anthony Young
For what it's worth I tried using one of those document verification tools someone mentioned earlier and it actually caught an error in my debtor name that would have gotten rejected. Saved me the $20 refiling fee.
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Mia Roberts
•Which tool did you use? I'm always looking for ways to avoid rejection headaches.
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Anthony Young
•It was Certana.ai - you just upload your UCC PDF and it checks everything. Pretty straightforward and caught a middle initial issue I missed.
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Charlotte White
Just finished filing 5 UCC-1s in Florida yesterday. Paid $20 each, no issues. Their system processed them overnight and I got confirmation emails this morning. Pretty smooth process overall.
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Mia Roberts
•That's reassuring. I'll probably get mine done this week then. Thanks for the update!
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Charlotte White
•No problem. Just double-check your debtor names and addresses before submitting. That's where most rejections happen.
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The Boss
•Absolutely. And make sure you're using the current forms from their website. They updated the UCC-1 form earlier this year.
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NebulaNomad
Thanks everyone for the detailed breakdown on Florida UCC fees! This is super helpful. I'm new to UCC filings and have been really confused by all the different fee structures across states. Sounds like Florida is actually pretty reasonable at $20 base + $5 per additional debtor. Quick question - when you say "exact matches" for debtor names, does that mean I need to match exactly what's on their articles of incorporation, or should I be pulling from somewhere else? I want to make sure I get this right the first time.
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Ethan Wilson
•Welcome to UCC filings! For debtor names, you want to match exactly what's on their current articles of incorporation or certificate of formation - whatever their most recent filing shows with the state. For LLCs, make sure you include "LLC" or "L.L.C." exactly as it appears. For corporations, same thing with "Inc." vs "Incorporated" etc. Pro tip: do a quick business entity search on the Florida Sunbiz website to confirm the exact legal name before filing. Small variations will definitely get rejected.
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